GAP eases crushed sense of security

Nick Detlaff

Nick Detlaff never figured he would need something like American 1’s Guaranteed Asset Protection (GAP). He’s a good driver, never been in an accident – why would he need to protect his vehicle?

Then a semi made a right turn that crushed Nick’s 2002 Nissan Altima, and changed his thinking.

The accident happened when Nick was taking his family to the airport for a vacation. He pulled up to an intersection and saw a semi waiting to make a left turn at the light. Nick pulled into the right lane, but things went horribly wrong when the big rig swung right, into Nick’s lane, smashing his Altima against the highway concrete.

“Luckily he stopped, or we would’ve been crushed,” Nick said. “It was a mess.”

With the vehicle totaled, the insurance company’s settlement left about $2,500 left on Nick’s auto loan.

“We weren’t thrilled,” he says. “We thought we would have to eat that payment.”

Thankfully, Nick opted for GAP on his loan. GAP covered the remaining balance on the loan, and gave him $1,000 toward his next vehicle purchase. Nick says it was like a down payment toward his next vehicle.

The ordeal taught him a good lesson: your driving skills can’t always protect you from other drivers. That’s where GAP can help.

“Just because you’re a good driver doesn’t mean everyone else is,” Nick says. “GAP is worth it. It ended up paying for itself.”

Nick now plans on getting GAP on his vehicle loans from here on out.

“Not that you plan on getting into another accident,” he says. “But anything can happen.”

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