Does Gap Insurance Cover Dui?

When you purchase a car, gap insurance is often recommended as an added form of protection. Gap insurance covers the difference between the amount owed on a car loan and the actual value of your vehicle in the event that it’s damaged or stolen. But what happens if you get into an accident while under the influence? Does gap insurance cover DUI? In this blog post, we will explore whether gap insurance covers DUI and other related scenarios that could leave you vulnerable on the road. We’ll also discuss what to look for when purchasing gap insurance so that you can make sure you’re getting the best coverage for your needs.

Does gap insurance cover DUI?

There are many misconceptions about gap insurance, and one of the most common is that it covers DUI. Unfortunately, this is not the case. Gap insurance only covers the difference between what you owe on your car loan and what your car is worth in the event of a total loss. It does not cover any damage that may occur as a result of impaired driving. If you’re concerned about protecting your investment in case of a DUI, we recommend purchasing comprehensive and collision coverage in addition to gap insurance.

How to get gap insurance

If you’re looking to get gap insurance, there are a few things you need to know. First, what is gap insurance? Gap insurance is an optional coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than its depreciated value.

There are a few different ways you can get gap insurance. You can add it to your existing auto insurance policy, purchase it from the dealership when you buy your car, or get it through a standalone insurer.

If you’re adding it to your existing auto policy, check with your insurer to see if they offer gap coverage and how much it would cost to add it to your policy.

If you’re buying it from the dealership, be sure to shop around and compare prices before making a decision. Be sure to read the fine print and understand the terms of the coverage.

If you’re getting gap insurance through a standalone insurer, be sure to research the company thoroughly before buying a policy. Make sure they’re reputable and have a good financial rating.

No matter how you choose to get gap insurance, be sure to compare prices and coverage options before making a decision.

How much does gap insurance cost?

Gap insurance is an important type of coverage for anyone who finances a car. It protects you from owing money on your loan if your car is totaled or stolen and can’t be replaced.

The cost of gap insurance varies depending on a few factors, including the value of your car and your loan amount. However, it typically costs between $20 and $100 per year.


Gap insurance is a great way to protect yourself against the financial burden of uninsured drivers, but unfortunately, it may not cover DUI incidents. This doesn’t mean that you can’t get coverage for DUI related damages; there are other forms of auto insurance such as comprehensive coverage which offer protection in these cases. Ultimately, if you are considering driving after drinking or taking drugs make sure you know the risks and have adequate auto insurance coverage in place.