For some misfortune event, I was involved in a car accident last week. It was my first ever car accident in my entire life. What’s even worse is that it was a hit and run. It was totally not my fault. I have comprehensive coverage on that vehicle. However, I don’t have collision. Will my GAP coverage be able to pay for the damage on my vehicle? I am from Sioux Falls, South Dakota.

Val

Sioux Falls, SD

This is really a very unfortunate event in your life and I’m really sorry to hear what had happened to you.

I am assuming that the reason why you’re asking that is because your primary auto insurance did not cover for the damages incurred on your vehicle. If that is the case with you, then you GAP insurance would not be able to pay for the damages also.

For a GAP auto insurance to cover you, your primary auto insurance company should pay for the actual cash value (ACV) of your car first. However, since you’ve already mentioned you don’t have collision coverage then, it’s only expected that you insurer would not pay for your claims. Because, this kind of accident falls under the collision coverage.

For more information about auto insurance claims, feel free to ask your auto insurance agent in Sioux Falls, South Dakota.