$8,412
The average gap between what your insurance pays out and what you still owe your lender — after a total loss.
10-minute consultation · No obligation
The Timeline You Weren't Shown at the Dealership
Your loan doesn't fall
as fast as your car.
The moment you finance a vehicle, two numbers start moving in opposite directions. Your lender's clock doesn't stop for totals, theft, or bad luck.
The Handshake
You finance $34,500 on a new sedan. The dealer smiles. The depreciation clock starts the second you leave.
The Collision
Eighteen months later, a driver runs a red light. Total loss. Your insurer values the car at $24,200.
The Bill
Your remaining loan balance: $31,800. The check your insurer sends: $24,200. You owe $7,600 on a car that no longer exists.
Your Number, Right Now
Stop guessing.
Calculate your gap.
Enter two numbers. We'll show you exactly how much you'd be on the hook for if your car was totaled today — no email required.
1 in 6
Financed cars are underwater at any given time
72 mo
Average loan term — gap exposure lasts the whole ride
Instant Gap Calculator
Claims Paid — Real Numbers, Real People
The bridge we built
while they were drowning.
These aren't hypotheticals. Every number below is a claim Shield paid in the last 18 months.
0+
Claims paid
$0
Average gap covered
0%
Claims approved
0 days
Average payout time
Marcus T.
2022 Honda CR-V
$11.2k
paid
T-boned at an intersection, total loss declared on day 19 of ownership.
Priya S.
2023 Toyota Camry
$7.8k
paid
Hail storm totaled the vehicle. Insurance paid ACV. Lender wanted full balance.
Darnell W.
2021 Ford F-150
$9.4k
paid
72-month loan, 14 months in. Rear-ended on I-35. Gap was nearly $10K.
Jennifer M.
2022 Chevy Equinox
$6.2k
paid
Lease vehicle stolen. Standard insurance covered market value, not lease payoff.
Carlos R.
2023 BMW 3 Series
$13.7k
paid
Luxury vehicle depreciated 28% in 18 months. Flood total loss.
Aisha B.
2022 Hyundai Tucson
$8.3k
paid
Head-on collision. Insurer paid $19,400 against $27,720 loan balance.
Close The Gap Today
The coverage costs less
than the gap costs you.
A 10-minute call is all it takes. Tell us your vehicle, your loan, your carrier — and we'll lock in your rate before you leave the page.
No credit check · Cancel anytime · 10 minutes