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Gap and Extras terms
Gap, rental, roadside and riders worth having.
Accident forgivenessA policy feature that stops your premium from rising after a first at-fault crash, either earned through loyalty or bought as an add-on.Agreed valueCoverage where you and the insurer set a car's value when the policy is written, and that amount is paid if the car is totaled, with no depreciation.Custom parts and equipment coverageOptional coverage for aftermarket add-ons and modifications, such as custom wheels, stereos and lift kits, beyond a standard policy's small allowance.EndorsementA written amendment to an insurance policy that adds, removes or changes coverage, such as rideshare use, rental coverage or OEM parts.Gap insurancePays the difference between a totaled car's actual cash value and the larger balance still owed on its loan or lease.Loan/lease payoff coverageOptional coverage that pays part of what you still owe on a financed or leased car if it is totaled or stolen and the payout falls short of the loan.New car replacementOptional coverage that pays for a brand-new car of the same make and model if a recent car is totaled, instead of its depreciated value.Rental reimbursementOptional coverage that pays for a rental car or other transportation while your car is repaired after a covered claim, up to daily and total limits.Roadside assistanceOptional coverage or service that sends help for breakdowns, such as towing, jump-starts, flat-tire changes, lockouts and fuel delivery.Towing and labor coverageOptional coverage that reimburses towing and on-the-spot repair labor when your car breaks down, up to a set amount per incident.