First Class Guaranteed Auto Protection


Each year millions of vehicles are totaled in events such as collisions, thefts, or natural disasters. In many cases, the insurance settlement does not cover the loan payoff. The First Class Guaranteed Auto Protection (GAP) plan available through Mercedes-Benz Financial Services s an optional product you may purchase to help provide a level of financial protection if you find yourself in that situation. When you choose First Class GAP, the plan fee can be added to your monthly vehicle payment.

Administered by Zurich in North America


Relax. You're covered.

If your Mercedes-Benz vehicle is stolen or declared a total loss in an accident, there can be a significant difference between the amount your insurance company will cover and the balance owed to Mercedes-Benz Financial Services. First Class Guaranteed Auto Protection helps cover this difference, and with it you may also be reimbursed for the out-of-pocket cost of your insurance deductible, up to $1,000 where allowable by state law.

Consider this scenario: You purchase a $60,000 Mercedes-Benz vehicle. Seven months later, you get into an accident that totals your car.

$55,000 (Loan payoff)
-$50,000 (Insured amount)
$5,000 (The gap)
+$1,000 (Insurance deductible)
$6,000 (Potential out-of-pocket expense)
-$6,000 (Covered by First Class Guaranteed Auto Protection)
$0 (Amount you owe)

Scenario and graph are for informational purposes only. There may be portions of the finance contract for which you remain responsible. See your GAP agreement for details.

Ask your Mercedes-Benz dealer about First Class Guaranteed Auto Protection today.


This is intended as a general description for Guaranteed Auto Protection. GAP is an optional product which may not waive the entire balance owed on your finance contract. The GAP amounts may vary by state and there may be amounts for which you remain liable, such as late charges, past due amounts, and other fees. GAP does not apply to a vehicle used for commercial purposes, or loss or damage due to fraud or illegal acts, intentional damage, legal confiscation or repossession of the vehicle. GAP may not be available in all states or for all vehicle models. This product is available at the time of vehicle sale only. GAP is a product of and administered by individual member companies of Zurich in North America, and is marketed through Mercedes-Benz Financial Services. Please see your dealer for more information and refer to the First Class Guaranteed Auto Protection Agreement for details and exclusions.

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