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Vehicle Service Contracts

​Vehicle service contracts help protect car buyers from vehicle repair costs. They provide coverage for covered parts and labor costs to repair or replace most major vehicle components.


Total Loss Protection (GAP)

​In the event of a total loss, insurance typically pays the vehicle’s actual cash value rather than the amount remaining on the loan, which could leave a financial “gap” of thousands of dollars the car owner is responsible for covering. GAP offers coverage that helps close that gap if a vehicle is stolen and not recovered or damaged beyond repair.


Environmental Protection

​Environmental protection provides interior and exterior protection for painted, fabric, vinyl and leather surfaces from hazards such as stains, weather-induced fading, loss of gloss shine, acid rain, and bird droppings.


Road Hazard

Tire & Wheel

​Most tire and wheel repairs are not covered by the manufacturer’s warranty. Tire & wheel protection helps offset out-of-pocket expenses to repair or replace damaged tires and/or wheels, as well as the cost of mounting, balancing, valve stems and taxes.


Gaines Financial Services

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