To know if you have gap insurance, you can take the following steps:

• Review your auto insurance policy documents. Look for any mention of gap insurance, loan/lease payoff coverage, or terms like "GAP" or "GAP Coverage." It may be listed as a separate endorsement or rider.
• Contact your insurance provider directly with your policy number and ask whether gap insurance is included in your policy.
• Check your car loan or lease agreement. Sometimes gap insurance is included or required by your lender or leasing company and may be called "debt cancellation coverage."
• Ask the dealership if you bought the car there, as gap insurance might have been included in the financing package.
• Look for separate payments or charges for gap insurance in your insurance bills or auto loan/lease payment statements.
• Consult your lender or leasing company to clarify whether gap insurance is part of your loan or lease agreement.

These steps will help you confirm if you have gap insurance and understand the coverage limits if you do.