GAP Protection

ARC’s Guaranteed Asset Protection Plans (GAP) are designed to help dealerships protect customers from financial exposure in the event of a total vehicle loss. By covering the difference between a vehicle’s actual cash value and the remaining loan balance, ARC's GAP programs reduce risk for customers while supporting stronger F&I performance and dealership confidence.

Offered to independent and franchise dealerships across the United States, ARC's automotive GAP protection programs help dealers customers avoid significant financial hardship. With no deductible, flexible coverage terms, and availability across most states, ARC’s GAP Insurance Agreement is a must-have for dealerships.

By mitigating loan deficiency risk, GAP protection helps dealerships support cleaner transactions and more predictable outcomes. Protect your customers from total loss and enhance your F&I service offerings with us — Partner with ARC today!  

What is GAP coverage and why do dealerships offer it?

• • GAP (Guaranteed Asset Protection) coverage helps protect customers from financial exposure if a vehicle is declared a total loss and the insurance settlement is less than the remaining loan balance. Dealerships offer GAP coverage to reduce loan deficiency risk for customers while strengthening F&I performance and delivering more complete financial protection at the point of sale.

How does ARC’s GAP protection support F&I profitability?

• • ARC’s GAP protection programs are designed to integrate seamlessly into the F&I process, helping dealerships improve product presentation, increase attach rates, and drive consistent F&I revenue. By addressing a common financial risk, GAP coverage adds tangible value that supports stronger close rates and customer confidence.

What makes ARC’s GAP plans different from other GAP providers?

• • ARC’s GAP plans are built specifically for dealership operations, offering clear coverage structures, consistent administration, and alignment with ARC’s broader warranties, reinsurance, and consulting services. This integrated approach helps dealerships manage risk, maintain compliance, and support long-term program performance. Learn more...

How does GAP coverage work in a total loss situation?

• • In a total loss event, GAP coverage helps cover the difference between the vehicle’s actual cash value and the remaining loan balance, after the primary insurance settlement is applied. This protection helps prevent customers from carrying unexpected financial obligations after a loss.

Why should dealerships partner with ARC for GAP protection programs?

• • Dealerships partner with ARC for GAP protection because of our dealer-first program design, nationwide support, and focus on long-term F&I performance. Our customized protection solutions support cleaner transactions, predictable outcomes, and stronger customer relationships across your store.  Just as important, ARC provides essential hands on training, workshops, 20 groups, and consulting services to grow PVR and guide F&I departments along the way.  Learn more...