Optional Vehicle Coverage

If your vehicle is totaled or stolen and not recovered, your primary auto insurance settlement may be less than the amount you still owe on your loan. Guaranteed Asset Protection (GAP) is designed to help cover the difference between your outstanding loan balance and the vehicle's value, subject to applicable terms, limitations, and exclusions.

GAP can help:

• Reduce or eliminate an eligible remaining loan balance after an insurance settlement

• Protect you from having to carry a deficiency balance into your next vehicle loan

• Reduce the financial hardship associated with a total loss

• Cover up to $1,000 of your primary insurance deductible when an eligible GAP balance remains

Even a reliable vehicle can experience an unexpected mechanical or electrical failure. Mechanical Breakdown Protection (MBP) extends beyond the manufacturer's factory warranty and helps cover eligible repairs, including labor, subject to the terms of the contract and any applicable deductible.

Depending on the applicable protection plan, benefits can include:

• Coverage for eligible mechanical and electrical repairs

• Nationwide coverage

• 24/7 emergency roadside assistance

• Towing and rental car assistance

• Battery and flat tire assistance

• Trip interruption benefits

• The flexibility to use a licensed repair facility in the U.S. or Canada

Sometimes it's the little things that become big expenses. Auto Essentials® bundles several vehicle protection benefits together to help with common driving incidents and out-of-pocket expenses that typically aren't covered by auto insurance, manufacturer warranties, or extended warranties.

Coverage benefits include:

• Key or Remote Replacement – Help replacing lost, stolen, or destroyed keys or remotes

• Tire & Wheel Road Hazard Protection – Repair or replacement for eligible tire and wheel damage caused by road hazards or potholes

• Paintless Dent Repair – Repair of minor dents and dings while preserving your vehicle's factory finish

• 24/7 Roadside Assistance – Including towing, flat tire assistance, jumpstarts, essential fuel delivery, and lockout service

Auto Essentials® also features no deductible for covered services and unlimited claims, although benefit limits and other restrictions apply.