GAP INSURANCE (Guaranteed Asset Protection) is available at your credit union at really reasonable rates. When you have an accident and your vehicle is "totaled", your Auto Insurance Company pays their fair share first. You are left with a balance that you must settle before you can borrow for a new vehicle. Instead, if you would have been covered with GAP, your insurance would have paid this deficit balance and you could have started over fresh and at zero. This coverage is a very cost-effective one-time fee added to your loan. It is available for most vehicles. Check with Vickie or any staff member about adding this coverage to your new vehicle loan. It's a win/win deal. A few dollars up front may save you thousands later on should an accident happen. Check with us about this coverage before you shop for your new vehicle.