Vehicle age, mileage, condition, and depreciation are all factors insurance companies use to determine your car’s value if your vehicle is totaled. Insurance will pay the cash value at the time of loss, which means in certain scenarios you may owe more than your car is worth, leaving you with outstanding debt. Buick GAP can provide added financial protection by waiving some or all of the difference if your insurance settlement is less than what you owe, including the deductible.

GAP Protection offers terms of up to 8 years and is available for any finance amount on new or pre-owned vehicles at the time of purchase. There is no maximum dollar amount on covered losses that are waived and the plan includes a waiver for your primary insurance deductible up to $1,000.

• Losses occurring prior to the date of the GAP Addendum

• Amounts owed for vehicle late fees; due date changes; or missed, delinquent, deferred or skipped payments

• Total losses resulting from dishonest, fraudulent, or illegal acts (DUI) by customer, family members or persons acting under customer’s authority

• Vehicles used for competitive racing or for a prohibited commercial purpose

• If the customer has refinanced the vehicle finance agreement

• Deductions taken by the primary insurer such as prior damage, salvage, missing items, excess towing, custom equipment and storage

To initiate a GAP/GAP Plus claim, you should submit a written Waiver Benefit request or submit at least one of the required documents to the Administrator within 90 days of the insurance settlement date (or date of loss if there is no primary insurance). Customer can email documents or utilize the Administrator’s self-service GAP Portal found at sggap.com The Waiver Benefit may be denied if the claim is not properly initiated within the time frame

GAP may be transferred within 30 days of the transfer of the underlying finance agreement associated with the covered vehicle, subject to a $50 transfer fee. Transfer to a dealership is not allowed. Please see Agreement for complete transfer rules.

Coverage is cancellable for a full refund within 30 days. For cancellation after 30 days, a pro rata refund will be given, less any applicable cancellation fee, unless otherwise required by law. All refunds will be made to the financial institution/lender. Please see Agreement for complete cancellation rules.