Gap insurance may help you cover the “gap” between what you owe on your car and your car’s actual cash value. Uninsured motorist If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passenger (s). In the event of an accident in which you've badly damaged or totaled your car, gap insurance covers the difference between what a vehicle is currently worth ...Home » FAQ » Gap Insurance vs. Loan/Lease PayoffIf you've recently purchased a car using financing, you're probably looking at these types of insurance. 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