Protect your vehicle investment with Guaranteed Asset Protection (GAP) 

If your car is totaled or stolen, insurance usually pays only the car's market value. If you owe more than that, you’re stuck paying the difference out of pocket—leaving you with a car payment and no car.

GAP coverage waives the unpaid balance after your insurance payout (minus your deductible), protecting you from financial hardship and damage to your credit score.

Auto coverage for just $499

Call us at 541-714-4000 or visit your local branch to learn more and get started with GAP coverage.

More benefits of GAP coverage GAP Insrance car

  • 100% refundable period for 60 days after purchase.
  • Covers loans up to 96 Months.
  • $2,000 toward a replacement vehicle with Gap Advantage on qualifying loans.
  • Complimentary Auto Deductible Reimbursement (ADR).

$2,000 with GAP Advantage

With GAP Advantage, if your car is totaled and you finance your next vehicle with Oregon State Credit Union, you may qualify for $2,000 towards the purchase of your replacement car. This benefit is available if your new loan is funded within 90 days of the total loss.

GAP coverage comes with Auto Deductible Reimbursement (ADR)

When you buy GAP with Oregon State Credit Union, you also get Auto Deductible Reimbursement (ADR) as a free benefit. 

  • Up to $500 per loss with unlimited claims per year.
  • Covers cars you own or lease, as long as they’re insured in your name and supported by title, registration, or loan documents.
  • Coverage starts immediately upon enrollment and lasts up to three years.

To qualify for Auto Deductible Reimbursement (ADR), you must meet specific eligibility requirements:

  • Be the primary borrower or co-borrower.
  • Own or lease the vehicle.
  • Have an auto insurance policy naming you as the insured.
  • File an approved claim that exceeds your insurance deductible.

Note: Certain exclusions apply. For example, ADR doesn’t cover commercial vehicles, recreational vehicles (RVs), or vehicles not insured at the time of loss. See terms and conditions for full details.

Get started with GAP coverage today

GAP can cover your Auto, RV, Motorcyles and more, call or visit a branch for a quote today and protect yourself from unexpected expenses and financial stress.

Auto coverage for just $499

Call us at 541-714-4000 or visit your local branch to learn more and get started with GAP coverage.

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