Guaranteed Auto Protection (GAP)

Toyota Guaranteed Auto Protection Program

The Toyota Guaranteed Auto Protection (GAP) Program provides retail or lease customers with one very significant benefit - peace of mind.  This piece of mind comes from knowing that you and your family are protected from the burden of an unexpected financial obligation if your vehicle is declared a total loss.

What Your Auto Insurance Company May Pay

You might assume that the physical damage auto insurance you have is sufficient to cover any losses related to your vehicle.  However, when  a vehicle is declared a total loss, the primary auto insurance settlement is generally based on the market value of the vehicle.  This amount may be substantially less than the balance due on the vehicle.

GAP pays the difference between the balance on your retail or lease contract and your vehicle's market value*.  Without GAP,  you are generally responsible to pay this amount.  With GAP, the deficiency balance is paid, including your auto insurance deductible in most states.

*Less any delinquent payments, taxes, and past due charges.  See agreement, certificate, or waiver for complete details.  Some restrictions apply.


Heintz Toyota

1234 Raintree Road
Hours and Directions Mankato, MN 56001

  • Sales: 800-936-0026
  • Service: 507-387-1148
  • Parts: 507-387-1148


  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 5:00pm
  • Sunday Closed