The 2026 Texas GAP Insurance Guide
Reading Time: 5 minutesTexas Gap Insurance at a Glance Gap insurance covers the difference between what you owe and what your car is worth after a total loss. If you’re upside-down on your loan or lease, gap coverage prevents you from writing a check to your lender for a car you no longer have. Texas doesn’t require gap […]
Basics & Definitions: What Is Gap Insurance? Complete Guide
Reading Time: 7 minutesWhat Is Gap Insurance? A Complete Beginner’s Guide (2025) Quick Insights on Gap Insurance Gap insurance (Guaranteed Asset Protection) in 2025 is a type of auto insurance coverage that pays the difference (“gap”) between a vehicle’s actual cash value (ACV) at the time of a total loss and the remaining loan or lease balance still […]
How AI Is Changing Insurance: Underwriting, Claims & Policy Reviews in 2026
Reading Time: 2 minutesArtificial intelligence is reshaping how insurance companies underwrite risk, process claims, detect fraud, and review policies. For mid-market businesses, the practical impact is faster quotes, more granular pricing, and automated claims decisions that can work for or against you depending on how your data looks to the algorithm. The shift is accelerating in 2026 — […]
Supplemental Life Insurance: What It Is, What It Costs, and How Employers Design It (2026)
Reading Time: 9 minutesSupplemental life insurance is additional excess liability coverage employees can purchase through their employer beyond the basic group life policy. Most employers provide a base policy of 1–2× annual salary for free; supplemental coverage lets employees buy additional protection — typically in $10,000–50,000 increments up to 5–10× salary — paid through payroll deductions at group […]
Health Insurance Deductibles Explained: How They Work and How to Choose the Right Plan Design
Reading Time: 7 minutesHealth Insurance Deductibles Explained: How They Work, What Employers Pay, and How to Choose the Right Plan Design Key Takeaways What it is: The amount employees pay out of pocket for covered medical services before the plan starts paying its share 2026 averages: Individual deductibles average $1,787 for PPO plans and $2,825 for HDHPs. Family […]
Providers: Does Progressive Offer Gap Insurance?
Reading Time: 7 minutesDoes Progressive Offer GAP Insurance? A Deep and Detailed Guide Quick Answer No, Progressive doesn’t offer traditional GAP insurance. What they offer is Loan/Lease Payoff Coverage, which functions similarly but has a notable cap—typically 25% of your vehicle’s Actual Cash Value (ACV).(Progressive, Progressive: Loan Lease Payoff Coverage). Our breakdown of monthly gap insurance costs shows […]
Comparisons: Gap Insurance vs. Loan/Lease Payoff Coverage
Reading Time: 5 minutesAbout the cost figures and examples in this article: Any premium ranges, cost figures, or pricing factors discussed here are general market estimates drawn from publicly available industry data and are provided for educational context only. They are not quotes, offers, or guarantees of cost, and they do not reflect the price Hotaling Insurance Services […]
Providers: Does State Farm Offer Gap Insurance?
Reading Time: 6 minutesYou may also find our guides on Progressive gap insurance options and gap insurance refunds and cancellation helpful. For a detailed pricing comparison, see our analysis of gap insurance costs by provider and vehicle type. Does State Farm Offer GAP Insurance? Short Answer: No—State Farm does not offer traditional GAP insurance. Instead, those who finance […]
Does Gap Insurance Cover Used Cars? Coverage for New vs. Used Vehicles
Reading Time: 5 minutesKey Takeaways: Gap Insurance on Used Cars Yes, gap insurance covers used cars — as long as you have an active auto loan or lease on the vehicle When it matters most: You financed a used car with a low down payment, long loan term (72-84 months), or high interest rate — all situations where […]
Does GEICO Offer Gap Insurance? The 2026 Answer and What to Do Instead
Reading Time: 5 minutesIf you have GEICO auto insurance and you’re trying to add gap coverage, the answer is no — GEICO does not offer gap insurance. That’s not a rumor or a policy change that might reverse. It’s confirmed directly from GEICO’s product glossary. They don’t offer it anywhere in the country, in any form, under any […]