GAP Claims Procedure

This page outlines the required steps and documentation for submitting and processing a GAP claim. Please review all instructions carefully to ensure timely and accurate handling of your request.

What We Need For Your GAP Claim

All documents must be submitted.  Please refer to your contract for time frame in which documents must be submitted. Failure to submit all documents within the required time frame will void any claim. Click on an item below for more details.

  • Where can this be obtained?
  • From the finance office at the dealership or from your lienholder
  • What is it?
  • The contract you signed between you and the lienholder

  • Where can this be obtained?
  • From the finance office at the dealership 
  • What is it?
  • The contract you signed between you and the dealership 

*In the event of collision or theft and no insurance a repair estimate from a qualified auto body shop is required

  • How can these be obtained?
  • Call your primary insurance carrier and reference your claim number.
  • What is it?
  • The Valuation Report is usually several pages long. This report will compare your vehicle to others in the market place in order to determine the settlement amount.
  • The Insurance Breakdown tells us how the insurance company arrived at the amount on the Valuation Report and the amount on the settlement check.

  • How can this be obtained?
  • Call your primary insurance carrier and reference your claim number.
  • What if they cannot provide a photocopy of the physical check?
  • They can print out the payment screen from their computer and this will suffice. Note: We cannot use a letter from the insurance company.

  • How can this be obtained?
  • Contact your lien holder

  • How can this be obtained?
  • Speak to the Total Loss Department at your lien holder. Note: This must include your account number.

*A copy of the full Police Report is required if one was made. If there is no Police Report, a written statement of how the accident happened is required. All thefts require a Police Report for original theft and if vehicle was recovered we need the supplemental report.

  • How can this be obtained?
  • Return to the police station and reference your case number. Note: We cannot use a case number or a partial report.

*Prepaid maintenance, service contracts, credit life, etc.

  • How do I cancel products other than GAP?
  • Call the finance office at the dealership for instructions. Have the dealership inform us of refund amounts.

Submitting a Claim

Gap Claim Checklist

  • A photocopy of the original finance contract.
  • A photocopy of the original bill of sale (also called the dealer’s worksheet)
  • A copy of the complete valuation report.
  • A photocopy of the settlement check.
  • A Payoff letter from your lien holder giving us the payoff on your loan as of the date of loss.
  • A complete Payment History, showing a running balance, must also be included.
  • A copy of the full Police Report is required if one was made. If there is no Police Report, a written statement of how the accident happened is required. All thefts require a Police Report for original theft and if vehicle was recovered we need the supplemental report.
  • Refund amounts for all cancelable products.

All documents must be submitted.  Please refer to your contract for time frame in which documents must be submitted. Failure to submit all documents within the required time frame will void any claim.

Paperwork should be sent via Mail, E-Mail or Fax

By Mail:

Galt Enterprises, Inc.

Attn: GAP Claims

34555 Chagrin Blvd.

Suite 100

Moreland Hills, OH 44022

By E-Mail:

[email protected] 

By Fax:

216-464-2669

Please contact us with any questions 800-248-4258.

Please follow up after submitting paperwork to be certain our office receives it.

IT IS RECOMMENDED THAT YOU CONTINUE TO MAKE YOUR PAYMENTS AS NORMAL UNTIL ALL CLAIMS ARE SETTLED. PLEASE READ THROUGH YOUR GAP CONTRACT FOR EXCLUSIONS, LIMITS AND ADJUSTMENTS.

Please note: Steps taken to administer your claim do not constitute a promise of reimbursement. Galt Enterprises, Inc. reserves the right to adjust or deny any claim for any valid reason. If you have any questions, please contact us at the number above.

Fraud warning for insurance agreements: Any person who with intent to defraud or knowing that he/she is facilitating a fraud against an insurer or GAP administrator and submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Private information:The GAP Waiver Borrower/Agreement Holder authorizes Galt Enterprises, Inc. to communicate claim information; including but not limited to the documents requested and information needed to process the claim, claim decision, and reimbursement payment amounts only to the undersigned holder/s, lienholder or selling dealership for whom we administer the GAP agreement.