Does GAP Insurance cover uninsured vehicles in a wreck?

Answer 1

How can you have GAP insurance on an uninsured car? You have to have a basic policy to add this.

actually the terms of my GAP insurance stipulate coverage of a total loss even without primary coverage. that surprised me, but it states "if there is no primary insurance at the time of loss, actual cash value shall mean the retail value of the vehicle...". this raises some interesting issues about not carrying collision, but as GAP only covers the difference between book value and loan balance under the condition of a total, and in NJ at least, to have a car loan you must carry collision, the point seems rather moot. maybe other states don't require collision with a car loan [but I doubt it]...in any event, GAP wouldn't cover anything less than a total loss.

A little twist to your question.

What is the answer to the following question.

Does GAP Insurance cover insured vehicles (comprehensive) in a total wreck, when the claim is denied?