blue texture fading into car on the road

Loan Protection Options

Thank you for financing your auto or travel trailer loan with us!

We understand that buying a vehicle or travel trailer opens up the doors to big dreams and big investments. Citizens Bank of West Virginia offers a wide variety of loan protection coverage options to give you peace of mind in unexpected situations.

Citizens Credit Shield, GAP Coverage, and TotalRestart must be purchased within 180 days of obtaining your loan.

To learn more or add any of these coverages to a new or existing loan, please see a personal banker at any of our Citizens locations or contact us.




shield with citizens icon for Citizens Credit ShieldWith Citizens Credit Shield on your loan, your family, assets, and credit rating are protected. You’ll get the help you need to rise above unforeseen circumstances — allowing you to feel secure about the financial future of you and your family.

Protected Events Include:

  • Loss of Life (Death & Accidental Death)
  • Disability
  • Involuntary Unemployment
  • Hospitalization
  • Skilled Nursing Care

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Auto Repair Protection

Protect against those pricey unexpected auto repair headaches. Mercury Protect offers a Monthly Vehicle Repair Plan that never expires with time or mileage. Plus, with low monthly payments, it’s easy to fit into your budget.

Plan includes:

  • 24/7 Roadside Assistance
  • Rental Car Reimbursement
  • Special Electronics Coverage

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Not available for travel trailers.



The value of any vehicle declines rapidly during the first few years of ownership. Most insurance policies only cover the value of your vehicle at the time of the loss. As a Citizens Bank loan customer you are eligible to take advantage of purchasing Guaranteed Asset Protection (GAP) coverage at a great value. GAP covers the ‘gap’ between the vehicle’s value and the amount you still owe. GAP can give you peace of mind by protecting you against the financial burden associated with the loss of your vehicle.

GAP coverage is also available for travel trailers.

image of car explaining GAP coverage

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We are partnered with VisualGAP® to provide you with this coverage.

GAP coverage is underwritten by VisualGAP®.
Frost Financial Services – 8829 Chapel Square Drive, Cincinnati, OH 45249



TotalRestart can restore lost equity in a totaled vehicle due to depreciation. As a Citizens Bank of West Virginia loan customer you are eligible to purchase both TotalRestart and GAP coverage. While GAP helps cover the outstanding loan balance, it won’t replace your down payment. TotalRestart provides the funding to help you get back on the road in a similar vehicle.

TotalRestart is ideal for customers who have put a down payment on their vehicle, usually 10% or more, and are financing it for less than its value.

Eligible Vehicles Include:

  • Autos and light trucks — no motorcycles, boats, RVs/travel trailers or commercial vehicles
  • Vehicles with a Purchase Price no more than $100,000

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TotalRestart coverage is underwritten by VisualGAP®. Frost Financial Services – 8829 Chapel Square Drive, Cincinnati, OH 45249