Guaranteed Asset Protection

Understanding Ford GAPCoverage

Your vehicle is a worthwhile investment. When you buy a new Ford from Courtesy Ford, you'll embark upon a more satisfying driving experience. Our cars, trucks, and SUVs represent the pinnacle of automotive ingenuity.

GAPCoverage provides financial protection for you in the event your vehicle is stolen or considered a total loss due to an accident. It's no secret that the value of your vehicle changes as you drive it. If you find yourself in the aforementioned situation and you have a "gap" between what you owe on your vehicle and what your insurance plan covers, GAPCoverage offers a helping hand.

We can all use a friend in our corner. With GAPCoverage and Courtesy Ford, you're never alone. Let us help you discover some of the important aspects this program provides.


  • Covers the GAP deficiency on new and used vehicles
  • Terms up to 96 months
  • Covers up to $1,000 for your insurance deductible
  • Fully refundable for up to 60 days
  • Up to 12,500 pounds GVWR
  • Coverage limit lesser of $125,000 or 150% of MSRP for new vehicles and 150% of NADA "Retail" Value for used vehicles
What causes a gap to occur?
In the event of a total loss of your vehicle, a gap between your insurance settlement and the payoff on your loan may occur for one or more of the following reasons:
  • The rate of depreciation on your vehicle exceeds the rate at which you repay the principal portion of your loan
  • Used car values are relatively low at the time of loss
  • You "rolled over" the remainder of your previous auto loan into the financing of your current vehicle
  • You put down little or no down payment at the inception of the loan
If one or more of the above applies to you, you should consider purchasing GAP coverage.


GAPCoverage does not offer benefits when the following loss or damage occurs:

  • Due to fraud or intentional damage by you
  • Prior to the total loss date
  • Outside the U.S. or Canada
  • After the redemption period following a repossession
  • Due to legal confiscation by a public official
  • If licensed, registered/titled in a business name
  • If used for business purposes
  • Has a salvaged title
  • It does not cover late charges, delinquent or deferred payments
  • Various refundable amounts due to you for early cancellation of financed products
  • Termination and disposition fees

Contact Courtesy Ford for More Information

Learn more about GAPCoverage when you contact Courtesy Ford. Our knowledgeable and dedicated sales team is here to help. Let us serve you.

How can we help?

* Indicates a required field

  1. Courtesy Ford Lincoln

    401 Pleasant Valley Blvd.
    Altoona, PA 16602

    • Sales: (814) 942-3000
Loading Map...

Get in Touch

  • Contact our Sales Department at: (814) 942-3000
  • Monday9AM to 9PM
  • Tuesday9AM to 9PM
  • Wednesday9AM to 9PM
  • Thursday9AM to 9PM
  • Friday9AM to 9PM
  • Saturday9AM to 6PM
  • SundayClosed