ARC’s GAP policy is designed to help customers avoid unexpected financial burdens in the event of a total loss or theft.  This means dealerships can offer customers added protection, financial relief, and increased confidence in their vehicle purchase.

ARC GAP coverage includes:

• • New Vehicles: Financing coverage up to 150% Loan-to-Value (LTV) for independent dealerships and 150% LTV for franchised dealerships.
  • Coverage Terms: Flexible terms available up to 96 months, ensuring long-term financial security.
  • Deductible Coverage: May cover the customer’s insurance deductible up to $1,000, depending on certain state regulations.
  • Financial Protection: Helps waive up to $50,000 in remaining loan balance, depending on lender terms.
  • No Deductible Required: Ensuring customers receive full GAP coverage without additional out-of-pocket costs.

For many vehicle owners, traditional insurance isn’t enough to fully cover outstanding loan balances after a total loss. The moment a customer drives off the lot, their vehicle’s market value depreciates, sometimes leaving them owing more than their car is worth. 

By offering Automobile GAP Insurance, dealers can:

• • Provide financial protection – Protect customers from paying thousands out of pocket.
  • Boost customer satisfaction – Builds trust and a safety net for unforeseen losses.
  • Increase revenue opportunities – A valuable F&I product to improve dealership profitability.
  • Protect customer credit ratings – Prevents unpaid loan balances from negatively impacting customers’ financial stability.

With ARC’s GAP Insurance, dealerships can provide their customers with an essential safety net that prevents financial strain while increasing long-term customer retention.

ARC's GAP Insurance Coverage is available for both franchise and independent car dealerships, as well as RV/Camper and Powersport dealers with lender-specific eligibility and approval options. ARC’s GAP policy is cancelable, ensuring flexibility for dealerships and customers.

• • Lender Availability: Currently offered through top lenders such as Ally, Capital One, Bank of America (BOA), Chase, Ford Motor Credit, Toyota Financial Services, Mazda Financial Services, Volkswagen Financial, and more.
  • Coverage for a Wide Range of Loans: Includes financing for installment contracts, traditional auto loans, and dealership-backed loans.
  • All-States Availability: Offered in all states except Louisiana (LA) and New York (NY).