Transaction eligibility
Vehicle class, use, amount financed, advance, term, lender requirements, state, and program rules can determine whether GAP is available.
Commercial GAP protection
Commercial GAP protection for eligible vehicle transactions.
Learn how commercial GAP may address an eligible financed vehicle balance after a covered total loss, subject to the actual agreement.
Request a Commercial GAP Program Review →
Commercial GAP is a transaction-based protection product—not mechanical breakdown coverage and not a substitute for commercial auto insurance. For an eligible financed or leased vehicle, the agreement may address some or all of the difference between the primary insurer settlement and the amount owed after a covered total loss, subject to its terms, limits, exclusions, and settlement method.
Program focus
- Eligible commercial vehicle purchases and leases
- New and used vehicle transactions where available
- Primary-insurance settlement review
- Commercial-use and vehicle eligibility requirements
- Dealer enrollment and document process
What matters
A program should fit the operation—not just the vehicle.
Insurance comes first
GAP generally depends on a covered total loss and settlement under the required primary physical-damage insurance. It does not replace that insurance.
Read the calculation
Deductibles, prior damage, late charges, skipped payments, negative equity, add-on products, loan-to-value limits, and maximum benefits may affect the amount considered.
Understand what each product is designed to do.
| Product | Primary purpose | Trigger |
|---|---|---|
| Commercial GAP | May address an eligible balance difference after the primary insurer settles a covered total loss | Covered total loss plus an eligible finance or lease agreement |
| Vehicle service contract | May pay for eligible repairs after a covered mechanical breakdown | Covered component failure under the service contract |
| Commercial auto insurance | Addresses insured risks such as collision, comprehensive loss, and liability | Covered insured event under the policy |
Dealer review checklist
- Confirm the vehicle and commercial use are eligible before presenting the product.
- Match the buyer, lender, amount financed, term, and vehicle information across every document.
- Explain cancellation, refund, claim-notice, documentation, and maximum-benefit provisions from the actual agreement.
Frequently asked questions
Is commercial GAP the same as commercial auto insurance?
No. Commercial auto insurance is the primary policy for insured losses. GAP is a separate agreement that may address an eligible remaining balance after the primary insurer settles a covered total loss.
Does commercial GAP pay for mechanical repairs?
No. GAP is not mechanical breakdown coverage. Eligible repair costs may instead fall under a vehicle service contract, manufacturer warranty, insurance policy, or the vehicle owner’s responsibility.
Can every commercial vehicle qualify for GAP?
No. Eligibility varies by program, state, vehicle class, commercial use, transaction structure, lender, amount financed, term, and other underwriting requirements.
Does GAP always pay the full remaining balance?
No. The agreement controls the calculation. Limits and exclusions may apply to items such as overdue payments, late fees, prior damage, negative equity, add-on products, deductibles, and amounts above a maximum benefit or loan-to-value limit.
The GAP agreement controls the benefit.
Commercial GAP availability and benefits vary by state, provider, vehicle, use, lender, amount financed, term, insurance settlement, and agreement. GAP is not insurance or a vehicle service contract. It does not eliminate the obligation to maintain required insurance and may not pay the full remaining balance. Review the signed agreement before enrollment.
Start the conversation
Build the right commercial GAP pathway.
Tell us about your commercial inventory, vehicle classes, lenders, monthly volume, and current GAP program. We will identify the eligibility and implementation questions that deserve review.