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About GAP and Auto Advantage (ADR)

Protect yourself from unexpected expenses if your vehicle is stolen or totaled.

What is GAP coverage?

Guaranteed Asset Protection, or GAP, is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances your standard insurance coverage. GAP waives the difference between your primary insurance carrier’s settlement and the payoff of your loan.* In other words, it protects the “gap” between your vehicle’s value and the amount you still owe in the case it is totaled or stolen.

To thank you for purchasing GAP, we will provide you with the Auto Advantage Program which includes the Auto Deductible Reimbursement (ADR) benefit and other valuable services.**

What is Auto Advantage (ADR)?

Auto Deductible Reimbursement (ADR) pays up to five hundred dollars ($500) per loss (unlimited losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases, and insures under an auto insurance policy designating the member as the named insured.

If you would like to add GAP and Auto Advantage to your auto loan, please contact us at 1.800.258.3115 or stop by your local branch.


* Less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges. Subject to other applicable exclusions and limitations, including a loan-to-value maximum.

** Auto Deductible Reimbursement (ADR) is one benefit of the Auto Advantage Program. Other benefits include Personal ID Resolution Consulting and WarrantyVault™.