What Does Gap Insurance Do?

car-finance

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!

More from Kearny Mesa Kia

  • What is the 2021 Kia Forte GT 0 to 60 Time?

      Offering striking style and lightning-fast performance, the 2021 Kia Forte GT-Line and GT series offer two exhilarating ways to experience the Chula Vista roads. But, just what is the Kia Forte GT 0 to 60 time? In this guide, we walk you through the performance features and premium amenities onboard the latest Forte lineup. Get…

  • 2021 Kia Telluride Configurations

    What do the various 2021 Kia Telluride configurations have to offer El Cajon and La Mesa drivers? The Kia Telluride trim levels vary in features. Explore the 2021 Kia Telluride configurations and check out some of the top optional features on this SUV. Check out the available Telluride trim levels, then contact us to learn more and…

  • 2021 Kia Sportage Towing Capacity & Accessories

    Shopping the market for a tough SUV that can handle your towing needs? The 2021 Kia Sportage is renowned for its agility, powerful specs, and fuel efficiency. Upgrade to the Kia Sportage, and you can rest assured that you’ll enjoy the innovative technology features and vast cargo space available throughout the interior. Ready to learn…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

844-824-9673

Call Now

7303 Clairemont Mesa Blvd • San Diego, CA 92111

Get Directions

Today's Hours:

Open Today! Sales: 8:30am-8pm

Open Today! Service: 7am-5pm

Open Today! Parts: 7am-5pm

Kearny Mesa Kia 32.831858, -117.161401.