See "Initiate a GAP Claim" at the top of this page.

No. A request for coverage should be initiated immediately. In fact, we recommend that you contact our office before accepting the settlement offer from your primary insurance carrier, so that we can offer our assistance when evaluating the evaluation of total loss.

No. A request for benefits should be initiated immediately.

Yes. You may wish to contact your lender / lessor.

It is the customer’s responsibility to provide all documentation. Documentation can be sent directly from the different entities involved in the total loss process, such as the finance and insurance companies via fax or mail but ultimately, it is your responsibility to make sure all documentation is provided.

Requests for GAP settlements with all documentation are processed in the order received. This process normally takes about 3 – 4 weeks.

The GAP Contract that you purchased is a total loss product and the police report verifies a total loss incident occurred.

Incident reports provide the vehicle identification number, date of loss and details of the loss for recording purposes.

The insurance worksheet identifies the actual cash value your insurance company placed on the vehicle, plus taxes, fees and any deductible. The valuation identifies the vehicle type, options and comparable vehicles used by the primary to calculate an actual cash value. In most instances all of these items appear on the same document.

Yes. We have a claim in process letter that we would be happy to provide the lender/dealer.

All associates in the GAP Claim Department are trained to assist you throughout the settlement process.

GAP settlements are produced by calculating an outstanding loan/lease balance at the time of loss and calculating an actual cash value of the covered vehicle. As the Administrator for the GAP Contract, we are required to adjudicate the total loss per the language in your Contract.

Our operating hours are Monday through Friday 8:00am to 5:00pm Pacific Time. Faxes can be sent to 619-228-0129 at anytime.

We receive a tremendous volume of faxes that are downloaded from a computer system in the order they are received.

In order for the GAP settlement to be issued to you directly, a letter of authorization from your lender, identifying that the loan has been paid in full and advising that any further funds are to be issued to you must be provided.

The GAP settlement is calculated as of the date of loss. Any charges that accumulate after the date of loss are not covered by the Contract.

The Contract covers deductibles up to $1,000 (or as limited by state provisions).

Most Contracts do not cover amounts for which the customer will be reimbursed through any other party. Often, a tax benefit is included in the primary insurance settlement.

All GAP settlements are issued to the respective lenders via U S mail.