GAP Coverage (Guaranteed Car Value Protection)

Members gain access to some of the lowest-priced GAP Coverage options available. GAP Coverage protects you financially if your vehicle is totaled or stolen and the insurance payout is less than what you still owe on your auto loan or lease. This optional coverage helps bridge the difference between your car’s depreciated value and your remaining loan balance, giving you peace of mind in unexpected situations.

Why GAP Coverage Matters

Because vehicles depreciate quickly, many drivers owe more on their loan than their car is worth—especially during the early years of ownership. GAP Coverage helps prevent out-of-pocket expenses by covering this financial “gap,” ensuring you’re not left paying for a vehicle you can no longer use.

Benefits :

Protect Your Finances After a Total Loss

Avoid paying thousands out of pocket if your vehicle is totaled or stolen.

Pay Off Your Remaining Loan Balance

GAP Coverage helps cover the difference between what you owe and what insurance pays.

Smart Coverage for All Drivers

Ideal for new drivers, newer vehicles, and long-term auto loans.

Exclusive Member Savings

Access some of the lowest GAP Coverage pricing available through your membership.

Benefit is not associated with Alliance Direct Benefits – offered by LAC

What did the customers say to us

Pedro

Business Owner

We love LAC. It has been very helpful for our family; my husband Pedro owns a small business and comes home late in the afternoons, usually when most doctors' offices are closed, so if the kids get sick, I have to take them to urgent care: $400-$900 for a visit. Well, now our whole family can use the TelaDoc service to talk to a doctor for FREE within 10-15 minutes. There are no crazy fees, and the doctor gives us a prescription directly to a pharmacy that uses the LAC discount card. We love this service.

Jessica Marley

Doctor

It's about time someone came up with a product that helps people save money! Seriously, I was paying over $3,000 a month for my family's health insurance? And we never used it. But every time we did, I paid a $40 copay? Now I only pay $20 a month for the whole family! What a savings!

If you haven't signed up yet, you're crazy. Do it now and save thousands of dollars a month!

Marley

Car Owner

My wife was driving the kids home from school and the car had a flat tire, not knowing that she had purchased LAC Motor Club for our family. She called me frantically asking if I could come help her replace the tire. I was over 2 hours away. With traffic, I would have arrived to her rescue over 3 hours after her call. Well, I asked her to call the 24/7 hotline, and within 20 minutes, an LAC tow truck showed up. Home - Thank you, LAC

Issica

Student

So we are a young family and we travel often. My wife is here on DACA and does not have a license. However, she has a license from her country. LAC provided us with an international license so she could drive legally, which she has never done before. She had a driver's license in the USA. In addition, she got sick but could not get health insurance unless we paid $400 a month. LAC saved our lives.