Guaranteed Auto Protection

GAP keeps you covered.

Whether you are leasing or financing, GAP can help protect you from coming out of pocket to pay expenses you may face with a total loss.1

Total Loss Protection

If your car is declared a total loss through theft, fire, or accident and you still owe more on your finance or lease contract, GAP may lessen or even eliminate your remaining balance.2

Deductible Coverage

GAP will cover up to $1,000 of your auto insurance deductible (if applicable) in most states.3

Note: GAP is optional, cancellable (see terms of Agreement) and not required to obtain credit.

1Less any delinquent payments, taxes, auto insurance deductibles over $1000, if applicable, and past-due charges. See agreement, certificate, or waiver for complete details. Some restrictions may apply.

2Type and availability of GAP vary by state. GAP may not be available on finance and lease contracts in some states. Please discuss with your dealer and refer to your agreement at time of purchase.

3GAP typically waives or pays the deficiency balance (minus certain fees and charges) between the amount still due on your finance or lease contract and your auto insurance settlement at the time of total loss.

Vehicle Eligibility4

Vehicles are eligible for a “New Vehicle” VSA for 3 years or 36,000 miles, whichever comes first. Coverage is effective from date of first use as a new vehicle and zero miles. Vehicle is considered new at date of first use even if vehicle has 799 miles or less on the date vehicle was first placed into service. Coverage expires at maximum time or mileage of the selected plan, whichever comes first.

Roadside Assistance5

Coverage is effective throughout the life of the Agreement, 24 hours a day, 365 days a year within the continental US and Canada. Includes towing, flat tire, lockout, jump start and fuel delivery services (up to 3 gallons, excluding Fuel Cell and Electric vehicles).

Substitute Transportation6

Up to $35 per day for a maximum of 5 days per occurrence. Requires prior approval from TFS.

Benefits: Travel Protection Lodging and Meals6

Up to $50 per day for lodging and meals if you’re more than 150 miles from home. Call us at 1-800-228-8559 prior to incurring expenses to obtain approvals. Maximum of 4 days over the life of your agreement.

Deductible Options7

$0 or $100 disappearing deductible per eligible repair visit.


One-time, no-cost transferability from original owner is available. Between private parties only. Excludes dealers.


You can cancel your VSA within 30 days for a full refund, less a $50 processing fee. Pro-rata refund is applied after 30 days or if claim is paid. See Mel Grata Toyota for state-specific cancellation policies.

Coverage is subject to exclusions and limitations set forth in the Vehicle Service Agreement.
Note: VSAs are optional, cancellable (see terms of Agreement) and not required to obtain credit. The benefits and covered operations stated here are subject to change or may vary slightly based upon the purchase date of the Agreement.

4Time and mileage coverage periods are measured from the date the vehicle was first delivered into service as a new vehicle and zero miles. Coverage expires upon reaching the maximum time or mileage of the coverage period selected, whichever occurs first. Ineligible vehicles include taxis, shuttle, commuter, municipal, professional, medical, emergency or police vehicles, salvage vehicles, all vehicles used or to be used for competitive driving or racing, vehicles used or to be used for plowing snow or towing a trailer in a manner exceeding manufacturer’s recommendations, and all vehicles to be held by the purchaser or lessee for hire to the public or for hire to any persons not affiliated with the vehicle purchaser or lessee.

5 Roadside Assistance services provided by and through Cross Country Motor Club Inc. and Cross Country Motor Club of California Inc.

6 Available if vehicle is inoperable due to the mechanical failure of a covered component. Valid receipts will be required for reimbursement.

7 Plans feature $0 or $100 deductible options. Deductible applies to each eligible repair visit. The deductible is the dollar amount you pay for authorized claims related to a single repair visit. If the Disappearing Deductible option is selected and the selling dealer of the VSA performs covered repairs, the $100 deductible will be waived. Otherwise the full deductible amount applies.

To purchase or discuss financing options, please contact Mel Grata Toyota at (724)-347-7702.