What Does Gap Insurance Do?


When you purchase a new car from Kearny Mesa Kia, you will have to go through various financing and insurance options. Of the many optional insurance coverages to choose from, one you will come across is gap insurance. You may be wondering: what does gap insurance cover? Gap insurance is designed to cover the amount owed on the car and the true cash value of the car at the time of an accident. Kearny Mesa Kia will walk you through the details of gap insurance and how this type of coverage can benefit you in El Cajon.

What Does Gap Insurance Cover?

Gap insurance covers a wide variety of problems related to your Kia vehicle. One thing La Mesa drivers should keep in mind is that gap insurance is meant to cover vehicle damage, not property damage or bodily injuries. Take a look at what gap insurance does and does not cover:

Gap Insurance Covers:

  • Accidents
  • Acts of nature (tornado, hurricane, flood, etc.)
  • Fire
  • Theft
  • Vandalism

Gap Insurance Does Not Cover:

  • Death
  • Deductible (though some gap insurance policies allow this)
  • Engine failures and other mechanical repairs/malfunctions
  • Extended warranties

The main thing to take away from the question, ‘what does gap insurance do?’ is that it’s meant to cover the total loss in the event of an accident. While gap insurance is optional for Chula Vista commuters, it is worth discussing whether or not this insurance is beneficial for you with your insurance company.

Do I Need Gap Insurance?

While gap insurance is not mandatory, it is recommended that you opt for this coverage when purchasing a new car. Gap insurance can be extremely helpful, especially if your dealership offers a plan that includes deductible coverage. Also, you can enjoy peace of mind while out on San Diego roads knowing that you can save money in the unfortunate event of an accident. Contact our finance department to inquire further about the benefits of gap insurance. 

Visit Kearny Mesa Kia to Know All of Your Insurance and Finance Options 

When you’re ready to buy a new Kia, or simply in the beginning phases of finding the right vehicle for you, it’s good to know what your insurance options are. Kearny Mesa Kia is here to make sure you are covered while driving in and around San Diego. Contact us with any questions you may have about gap insurance, or check out our car buying tips so you can be fully prepared when purchasing your new Kia!

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