Does gap insurance work if the accident is my fault?
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Does gap insurance work if the accident is my fault?
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I haven't been in an accident yet, but my line of work definitely puts me at risk for being in one (delivering newspapers). I'm frequently on the wrong side of the road putting papers in the boxes, sometimes in blind spots. I've got full coverage and GAP insurance. I just need to know whether or not GAP insurance will cover me in the case that a car hits me when I'm on the other side of the road and my car gets totaled.
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Fred C
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As long as you have the PROPER insurance and registration. My wife delivers a country route of home delivery, vending boxes, and stores.
Her car is registered and insured as what is called here "Common Carrier Local". If she had a GAP policy it would definitely cover. Mind you, as an insurance broker I never sold a GAP policy, they were normally sold by car salesmen with the loan. What I sold was a Price Protection Plus Policy. The difference is, GAP only pays to the level of the loan balance if the insurance settlement is less on a total loss. A PPP policy pays to the original cost, and, on the second year, adds an inflation factor
So what you need to do is check your registration and insurance to ensure you are registered for the proper usage, and insured to cover that usage.
If you have just registered and insured as if you were driving to a regular job, you may end up with a bigger worry than GAP coverage. Check with your insurance broker, he is an expert on what you have, and what you need, in your state or province. |
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shjf47
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You will need to speak to a representative from your insurance company regarding this matter. Coverage varies among insurance companies with regards to what you are asking. No one on this forum can give you the answer you are looking for with the information you proveded. |
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Coast Cowboy Bill
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Yes. |
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Butters leopold S
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dude, ask the agent or company you have it through. my instinct is yes, it will always cover you no matter who is responsible for the accident. your risk and the payment you make should be taken into account so that it would cover the gap while you're upside down for any total loss. but call the insurance company and find out for sure. |
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