{"id":15210,"date":"2026-02-22T18:44:31","date_gmt":"2026-02-22T18:44:31","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15210"},"modified":"2026-02-24T21:51:24","modified_gmt":"2026-02-24T21:51:24","slug":"gap-protection","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/gap-protection\/","title":{"rendered":"GAP Protection"},"content":{"rendered":"<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_img  cmsmasters_image_n\"><img decoding=\"async\" src=\"https:\/\/poefcu.org\/wp-content\/uploads\/2026\/02\/lending-services-banner.jpg\" \/><\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_cbry6b0q58\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_iiuoh0cbrm\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">GAP PROTECTION<\/h4>\n<\/div><div id=\"cmsmasters_fb_694xv1th5g\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_ju3rsysjtt\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Insurance Has It&#8217;s Limits. <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p data-start=\"296\" data-end=\"533\">GAP Protection is a non-insurance product that covers the \u201cgap\u201d by paying the difference between your primary carrier\u2019s insurance settlement (with exceptions) and your loan or lease balance, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges.<\/p>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>&nbsp;<\/p>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_febc6l12sd\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_kmypgz5pz\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nnrj4uvoi9\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4r0coi0gfe\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">GAP Closes The Distance<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>Most insurance policies only cover the actual value of your vehicle-a value that declines rapidly during the first few years of ownership and begins as soon as you leave the dealership. As a result, there can be a substantial \u201cgap\u201d between your loan or lease balance and the amount that your insurance will pay to replace it. Why? Your insurance will only cover the actual value of your vehicle \u2013 regardless of what you owe.<\/p>\n<\/div>\n<div id=\"cmsmasters_fb_qbhauja8d\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_jbktd1h1vl\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Going The Extra Distance<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>Guaranteed Asset Protection (GAP) helps cover the \u201cgap\u201d between what you owe on your auto loan or lease and what your primary insurance will pay if your vehicle is <strong data-start=\"473\" data-end=\"494\">totaled or stolen<\/strong>. Because regular insurance only pays the vehicle\u2019s actual cash value\u2014which depreciates quickly\u2014GAP can prevent you from owing more than the settlement amount.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_0qnsh5l3s4\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_t1fdptdij\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<p data-start=\"2019\" data-end=\"2180\">For more information, inquire with a loan officer at <a class=\"local\" href=\"tel:318-222-1979\">(318) 222-1979<\/a> or <a class=\"local\" href=\"tel:318-742-1912\">(318) 742-1912<\/a>, or drop by one of our locations.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15210","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15210"}],"version-history":[{"count":1,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15210\/revisions"}],"predecessor-version":[{"id":15212,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15210\/revisions\/15212"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}