Simplify Your GAP Claim Process
Understand the steps, gather the required documents, and get your claim processed seamlessly.
How the GAP Claim Process Works
We value transparency throughout the GAP claim process.
Gather the required documents
Below you'll see everything you need to get started with your GAP Claims. Gather all of the required documents and get ready for the next step.
Submit the documents
All documents must be submitted within 90 days of the insurance settlement date (or date of loss if no insurance settlement).
Your claim is processed
Payments are sent directly to the lien holder after being processed within 7-10 business days.
Documents You Need to Submit
Ensure all documents are legible and complete. Examples are provided for reference.
Insurance Documents
Police report
Official report documenting the incident or accident.
Market valuation
Estimated actual cash value of the vehicle at time of loss.
Settlement breakdown
Itemized summary of the insurance payout calculation.
Insurance check or proof of payment to lien holder
Confirmation of funds issued to the lender.
Photos of vehicle
Visual documentation showing condition and damage.
Lien Holder Documents
Retail installment contract
Original financing agreement for vehicle purchase.
Buyer’s order
Dealer-issued form outlining purchase details and pricing.
Deal workup/bookout
Dealer’s internal summary of vehicle features and value.
Loan payment history
Record of payments made on the vehicle loan.
Lender mailing address confirmation
Verified lender’s address.
Signed GAP Addendum
Dealer Documents (if applicable)
Cancel All Extended Service Contracts (except GAP)
Refund amounts for cancelled products
Refund request from selling dealer
Notify your selling dealer and request a refund quote
Vehicle Usage Statement
Vehicle Usage Statement
Document must be notarized
Know Your Vehicle's Value
When you file a claim through our GAP program, we use J.D. Power Values (previously NADA Guide) to help determine your vehicle’s value.
Double-check before you settle
Insurance payouts aren’t always based on the same valuation methods we use. Before accepting a settlement, it’s a good idea to verify your vehicle’s value using the same guide we’ll reference during your GAP claim.
Request Your NADA Value
Want to see your vehicle’s value from the NADA guide? Just email us, and we’ll send you a copy—no forms, no hassle.
Ready to start your GAP Claim?
Once you have all of your documents, get started on your GAP Claim here!
