Parked too close
Cover pops, scrapes, hanging valence. Common on paid-off daily drivers.
PLPD, minimum limits, and cheap policies with a $1,000 deductible all do the same thing on a parking tap: pay you nothing. GapDent pays the ding so you don’t.
Liability / PLPD pays the other car. High-deductible collision still leaves you writing a check for a $400–$800 bumper.
Two parking or curb repairs in 24 months. Network cosmetic fix. Not GAP. Not a warranty. Not your auto insurance.
Curb. Parking line. Bumper cover walking off the clips. The hits people pay cash for because filing is pointless.
Cover pops, scrapes, hanging valence. Common on paid-off daily drivers.
Photo claim. Pre-auth. Cosmetic repair at the house or a network shop — not a $1,800 dealer bumper.
Four corners bind the contract. Preexisting rash stays preexisting.
Optional add-on. Separate signature. Vehicle-only pencil first.
GD-CR sits under GAP as the $199 box.
PDI or lot phone shots of all four corners.
$199 into the contract. About $4 on a 72-month note.
Snap the ding. We dispatch. Two events / term.
Different hole in the deal. Sell both when they fit. Sell only GD-CR when they declined collision.
| GAP ~$995 | Collision | GD-CR $199 | |
|---|---|---|---|
| Total loss vs loan | Yes | No | No |
| Pays the other driver | No | No | No |
| Your parking ding / curb | No | If you file + deductible | Yes, cap $750 |
| Works on PLPD / no collision | Loan only | You don’t have it | This is the point |
| Rate-hike risk if you use auto policy | N/A | At-fault often yes | No auto claim |
Retail $199. Dealer cost about $79. Separate contract. Not a substitute for California 30/60/15 liability.