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Guaranteed Auto Protection (GAP)

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If you're still making payments on your Toyota, GAP can minimize or even eliminate your financial obligation if your vehicle is declared a total loss. A primary auto insurance settlement is generally based on vehicle market value, which could be less than what you still owe on your finance or lease contract.

So who pays the remainder? You do - unless you have Guaranteed Auto Protection.

Toyota Financial Services’ GAP program is designed to protect you and your family from an unexpected financial burden if your vehicle is declared a total loss from causes such as theft, accident, fire, or flood. GAP will pay the difference (or deficiency) between your vehicle's market value and the balance on your finance or lease contract, including up to $1,000 of your auto insurance deductible (if applicable) in most states.

How GAP Works (for illustrative purposes only):

Finance or lease contract payoff amount$23,000 
Minus total auto insurance settlement-$20,0001
 $3,000 
Plus auto insurance deductible+$1,0002
Total out-of-pocket expense$4,0003
Minus Toyota GAP payment4-$4,000 
Total owed to financial institution to pay off finance or lease contract$0 

Ask Your Toyota Dealer

GAP is available only at the time of vehicle purchase or lease on new Toyota vehicles and on used Toyota vehicles. Ask your Toyota dealer for GAP5. To locate the Toyota dealer nearest you, use our dealer locator.

 

To obtain a program brochure, please see your Toyota dealer or call 1-800-GO-TOYOTA.

For GAP customer service, call 1-800-255-8713.

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1 Total auto insurance settlement before deductible is applied.

2 GAP includes up to $1,000 of your auto insurance deductible (if applicable) in most states.

3 Deficiency balance at time of total loss.

4 Less any delinquent payments, taxes, and past-due charges. See agreement, certificate, or waiver for complete details. Some restrictions may apply.

5 Type and availability of GAP vary by state. GAP may not be available on finance and lease contracts in some states.