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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549-1004


                                    FORM 8-K


                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


                                October 15, 2002
                            (Date of report; date of
                            earliest event reported)



                         Commission file number: 1-3754


                      GENERAL MOTORS ACCEPTANCE CORPORATION
             (Exact name of registrant as specified in its charter)



                  Delaware                               38-0572512
        (State or other jurisdiction of                (I.R.S. Employer
        incorporation or organization)                Identification No.)


                             200 Renaissance Center
                         P.O. Box 200 Detroit, Michigan
                                   48265-2000
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (313) 556-5000
              (Registrant's telephone number, including area code)








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<PAGE>






ITEM 5.  OTHER EVENTS


                    GMAC THIRD QUARTER 2002 EARNINGS SUMMARY


General Motors Acceptance  Corporation (GMAC) earned  consolidated net income in
the third quarter of 2002 of $476 million, up 9% from the third quarter earnings
of $437  million  reported a year ago.  Net income for the first nine  months of
2002 was $1,346 million,  up $29 million from the $1,317 million reported in the
same period a year ago, excluding the favorable $34 million one-time  transition
adjustment  from  the  adoption  of SFAS  No.  133,  Accounting  for  Derivative
Instruments and Hedging Activities, as amended.

For the third quarter of 2002, net income from financing operations totaled $303
million,  down 2% from the $310  million  earned in same  period  of 2001.  This
decline in earnings reflects higher credit provisions which more than offset the
positive impact of higher retail asset levels.

GMAC Insurance  Holdings,  Inc. generated net income of $20 million in the third
quarter of 2002, down $29 million from the same period of 2001. The reduction in
earnings reflects a write-down of certain investment securities primarily due to
the prolonged decline in equity markets.  This weak investment  performance more
than offset a continued improvement in underwriting results.

GMAC Mortgage  Group,  Inc. earned $153 million in the third quarter of 2002, up
from the $78 million  earned in the same period last year.  The higher  earnings
reflect increased production volumes and higher servicing fees. The results also
reflect  an  improvement  in hedge  performance  related to  mortgage  servicing
rights.


                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                     GENERAL MOTORS ACCEPTANCE CORPORATION
                                     -------------------------------------
                                     (Registrant)



Dated:        October 15, 2002       /s/   WILLIAM F. MUIR
              ----------------       -------------------------------------
                                     William F. Muir
                                     Executive Vice President,
                                     Chief Financial Officer and Director


Dated:        October 15, 2002       /s/   LINDA K. ZUKAUCKAS
              ----------------       ------------------------------------
                                     Linda K. Zukauckas
                                     Controller and Principal Accounting Officer
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================================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549-1004

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

                                October 15, 2002
                            (Date of report; date of
                            earliest event reported)

                         Commission file number: 1-3754

                      GENERAL MOTORS ACCEPTANCE CORPORATION
             (Exact name of registrant as specified in its charter)

                  Delaware                               38-0572512
        (State or other jurisdiction of                (I.R.S. Employer
        incorporation or organization)                Identification No.)

                             200 Renaissance Center
                         P.O. Box 200 Detroit, Michigan
                                   48265-2000
                    (Address of principal executive offices)
                                   (Zip Code)

                                 (313) 556-5000
              (Registrant's telephone number, including area code)

================================================================================
ITEM 5.  OTHER EVENTS

                    GMAC THIRD QUARTER 2002 EARNINGS SUMMARY

General Motors Acceptance  Corporation (GMAC) earned  consolidated net income in
the third quarter of 2002 of $476 million, up 9% from the third quarter earnings
of $437  million  reported a year ago.  Net income for the first nine  months of
2002 was $1,346 million,  up $29 million from the $1,317 million reported in the
same period a year ago, excluding the favorable $34 million one-time  transition
adjustment  from  the  adoption  of SFAS  No.  133,  Accounting  for  Derivative
Instruments and Hedging Activities, as amended.

For the third quarter of 2002, net income from financing operations totaled $303
million,  down 2% from the $310  million  earned in same  period  of 2001.  This
decline in earnings reflects higher credit provisions which more than offset the
positive impact of higher retail asset levels.

GMAC Insurance  Holdings,  Inc. generated net income of $20 million in the third
quarter of 2002, down $29 million from the same period of 2001. The reduction in
earnings reflects a write-down of certain investment securities primarily due to
the prolonged decline in equity markets.  This weak investment  performance more
than offset a continued improvement in underwriting results.

GMAC Mortgage  Group,  Inc. earned $153 million in the third quarter of 2002, up
from the $78 million  earned in the same period last year.  The higher  earnings
reflect increased production volumes and higher servicing fees. The results also
reflect  an  improvement  in hedge  performance  related to  mortgage  servicing
rights.

                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                     GENERAL MOTORS ACCEPTANCE CORPORATION
                                     -------------------------------------
                                     (Registrant)

Dated:        October 15, 2002       /s/   WILLIAM F. MUIR
              ----------------       -------------------------------------
                                     William F. Muir
                                     Executive Vice President,
                                     Chief Financial Officer and Director

Dated:        October 15, 2002       /s/   LINDA K. ZUKAUCKAS
              ----------------       ------------------------------------
                                     Linda K. Zukauckas
                                     Controller and Principal Accounting Officer