When would I use my GAP insurance?

EXAMPLE:

Three months ago, you purchased a new Subaru Forester for $31,000. As you are coming home from dinner, another driver runs a red light and totals your new car. Your insurance company assesses the damage and decides your vehicle was worth $26,000 at the time of the crash. The insurance money, as well as the payments you've made on the vehicle, equal $28,000. But now you have no vehicle and you still owe $3,000 on your auto loan.

The purchase of GAP Insurance would mean that the extra $3,000 is covered, and that you will not have to pay out of pocket for the difference between your auto loan balance and the amount your insurance provider is willing to cover. Whether your car is stolen or totaled from a collision or natural disaster, GAP has you covered!

When would I use my Road Hazard Tire and Wheel Coverage?

EXAMPLE:

You purchase a new construction home and move in while the developers are still finishing construction on adjacent neighborhoods. While the subdivision is being completed, unfortunately, more and more construction debris finds its way onto the roads you drive to work everyday. Over the course of six months, you get two nails and a screw stuck in your tires

Fortunately, with Road Hazard Tire and Wheel protection, tire/rim repair and replacement is completely covered and you avoid the costly expense of three back-to-back tire replacements.

How could a select protection package help me?

EXAMPLE:

You have parked your car in the long-term lot at the airport while you fly out of town for a work conference. Upon returning from your trip, you notice someone has parked too closed and opened their car door right into yours, leaving a dent in your vehicle. Already frustrated, you dig for your keys, racking your brain to remember where you stored them during your travels. After emptying your purse and suitcase, you realize the keys must be lost.

Fortunately, you chose to bundle protections for your car at the time of your purchase. Instead of paying for the cost of dent removal, a replacement key, a locksmith, or a towtruck, you are able to use your 24/7 roadside assistance to tow your car home from the airport. There, you simply use your spare key to take your car to the dealership, where the dent repair and key replacement are completed at no cost to you.

When would I use Zurich Shield?

EXAMPLE:

You left your car parked at the port as you and your family embarked on a 10-day cruise. When you return from your vacation, you find that your vehicle is covered in droppings from sea gulls and water birds. You drive home and take your car through the wash, only to discover that the droppings have damaged the finish of your paint. As it turns out, many insects, bird droppings, ash, salt, and other common environmental factors can actually be corrosive to your car's exterior!

With Zurich Shield, an added layer of protection is applied to the vehicle's exterior, which would have served as a barrier to protect the exterior from the corroding due to the acidity of bird droppings baking onto the paint in the summer heat. In the event that the Zurich Shield coating did not fully protect the vehicle, the included warranty would have paid to restore the paint job.

When would I use a Maintenance Plan?

EXAMPLE:

While everyone is capable of exercising at home, you may choose to pay for a gym membership because prepaying keeps you accountable and motivates you to exercise. A maintenance plan is very similar. Paying up front for service visits provides peace of mind and eliminates some of the perceived hassle of a visit to the dealership (since you don't have to pay as you go or have to worry about the price of inflation). It also helps serve as motivation to keep up with the routine maintenance visits that keeps your vehicle in good health.