什么是GAPpp王者电子官网?它的pp王者电子官网范围是什么?
GAP insurance can make sense, especially if the loan balance exceeds the car value.
如果你通过经销商买车, you may be offered "GAP insurance" as part of a range of options provided when you buy the car. Although dealers are legally required to explain it, t在这里's still a lot of misinformation about GAP (Guaranteed Asset Protection) insurance, which is often now included in many comprehensive 汽车pp王者电子官网政策.
很多人都知道, 你开着新车回家的那一刻, it begins to lose value — very quickly in some cases. 在…的不幸事件中 由于意外事故造成的全部损失 or 盗窃, many standard insurance policies pay the actual cash value of the car at the time of the incident.
That means if you still owe more on your loan, you'll be on the hook to pay it. 这就是GAPpp王者电子官网发挥作用的地方.
What does insurance cover if your car is totaled or stolen?
如果你有 碰撞 or 全面的覆盖, your auto insurance policy may cover a totaled or stolen car. 在承保损失的情况下, you will typically be paid the actual cash value of your car minus your 可扣除的.
GAPpp王者电子官网包括什么?
GAP insurance typically covers the difference between the remaining value of your 车辆 loan or lease and your 车辆’s actual cash value at the time of the incident. 更具体地说, GAP insurance will cover that difference in the case of a total loss and 盗窃, 但它不包括免赔费用. 除了, it cannot be used to cover costs associated to 车辆 repairs and bodily injuries as a result of an incident.
GAPpp王者电子官网是如何运作的?
假设你买了一辆4万美元的车. 两年后, 你出车祸了, and your car is declared a total loss by your insurance carrier.
The market value of your car at this point may be $22,000, yet you still owe $26,000 on your loan. 这4美元,000 “gap” is money you would still owe your lender, GAPpp王者电子官网弥补了差额.
什么时候买GAPpp王者电子官网
GAP insurance may make sense under some conditions, especially those w在这里 the loan balance is likely to exceed the 汽车折旧价值 为大部分或全部贷款期限. This might be the case in the following situations:
- 你付了20%或更少的首付款, so the depreciated value will be less than the loan amount still due for most of the loan.
- You've financed your car for a relatively long period of time — such as 60 months or more — so in later months when the car is worth much less than at the time of purchase, 你还有一大笔贷款余额.
- You've bought a new car that has a record of depreciating quickly and your payments don't reduce the loan as fast as the declining value of the car.
It's good to note that once the amount that you owe on your car is less than the actual cash value of the car, 你将不再需要GAPpp王者电子官网.
Many dealers — and some banks and insurers — offer some type of GAP insurance as part of the 车辆 loan, 但费率和覆盖范围可能会有很大差异. It’s important to figure out the total cost and read the fine print, as it can add a significant amount to your monthly payment.
联系 状态 Farm®pp王者电子官网代理 如果你有关于不同的问题 汽车pp王者电子官网范围 或者如果你有兴趣得到一个 pp王者电子官网报价.
