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Stop Worrying...

When the unexpected happens, you can feel blindsided. Rest assured knowing that you can quickly begin filing your Guaranteed Asset Protection Claim.

Filing a GAP claim is as easy as 1-2-3!

01

Complete & Submit the GAP Claim Information Form
Complete & Submit GAP Claim Form

02

Gather the required documents
Gather Documents

Required Documents

Please provide legible and complete copies of the following documents. These documents may be obtained from the sources indicated below. Please note we cannot process your claim until we receive your completed claim form and all documentation outlined in this information checklist. We will notify you of any additional documents, if needed.

You must submit the completed GAP Claim Information Form within ninety (90) days of the Total Loss Settlement or within ninety (90) days from the Date of Loss if the vehicle is not insured, whichever is later, or your claim will be denied.

Manufacturer's Invoice

Manufacturer's Invoice

Showing MSRP and detailing the equipment on your vehicle (if purchased new).  In lieu of the manufacturer's invoice, you may send a copy of the Monroney Label.

Source: Selling Dealership
Buyers Order and Sales Agreement

Buyers Order / Sales Agreement

If the Finance Contract was assigned to a Credit Union.

Source: Selling Dealership
Complete Payment History Icon

Complete Payment History

From the Inception Date through your Date of Loss. Including payoff as of the Date of Loss.

Source: Lender/Financial Institution
Retail Installment Icon

Finance Contract

A copy of your  Retail Installment Sales Contract or lease agreement.

Source: Lender/Financial Institution
Insurance Settlement

Insurance Settlement Statement

Showing vehicle value at Date of Loss, applicable taxes and fees and any other adjustments used to arrive at the settlement amount and matches the insurance check amount.

Source: Insurance Company
Vehicle Evaluation Report

Insurance Evaluation Report

Showing the method used to calculate the value of your vehicle at Date of Loss.

Source: Insurance Company
Insurance Settlement Check Icon

Insurance Settlement Check

Or print screen of payment issued.

Source: Insurance Company
GAP Claim Information Form Icon

GAP Claim Information Form

Submit a claim online by filling out the electronic form or download, print and submit the form via mail or email.

Submitting the required documents is simple. Once all documents are in hand, just click below, attach and send!

Submit Documents

Prefer not to use email? You can also submit the required documents by fax or standard mail. If you have any questions, please view our FAQ section below. If you still are unable to find a solution, please call 800-722-4603.

GAP Administration Department
PO Box 8566, Deerfield Beach, FL 33443
Fax: 866-488-8464

Get Started...

Just gather, complete and submit - it's that easy! Once we receive your GAP Claim Information Form and all other necessary documents, your claim will be established and may be completed within 15 business days.

Submit a Claim Now!

FAQs

For any questions, comments or concerns you have, we are here to help. Click or tap below to view the answers to some frequently asked questions. If you are still unable to find a solution, please call 800-722-4603.

Show GAP Claim FAQ

What is GAP?

In the event your vehicle is determined to be a Total Loss, the automobile insurance company settlement may be significantly less than the balance on your Finance Contract. This may create a "gap" resulting in a financial hardship for you. GAP (Guaranteed Asset Protection) may assist with the difference between the Amount Owed on your Retail Installment Sales Contract/Lease Agreement on your vehicle and the Actual Cash Value (ACV) of your vehicle, established by the automobile insurance company, subject to the terms and conditions of your GAP agreement.

Do I need to continue making my Finance Contract payments while my GAP is being processed?

Yes, continue to make your Finance Contract payments and notify your lender and your insurance representative of the loss immediately. The GAP claim will be calculated from the Date of Loss.

Insurance settlement paid off my loan in full. How do I cancel my GAP Agreement?

There may be a pro-rata refund available from your GAP selling dealer for a portion of the purchase price paid for the GAP agreement.  Please refer to your GAP Agreement and contact your selling dealer for additional information.

Do you contact my Insurance Company, Lender and/or Dealership for my documents?

No, it is your responsibility to provide the necessary documents to process your claim.

How long does it take to process my GAP claim?

Once all of the necessary documents are received by us, it may take up to 15 business days to conclude your claim. You will be notified via letter upon completion.

What is the time frame to have my claim file updated once documents are submitted?

Allow 3 – 5 business days for your claim file to be updated.

How will I be notified when my GAP claim is completed?

You will be notified once the GAP claim is completed via letter.  You may contact our Customer Service department at 1-800-722-4603.

I filed an insurance claim; will the insurance company do the rest?

You are responsible for filing and providing the required documents to process the GAP claim. However, we encourage you to work directly with your insurance company to provide the required documents.

My lender said they will handle my GAP claim, but the GAP Claim Information Form states I need to send in the documents.  What is the correct process?

You are responsible for providing the required documents for processing the GAP claim. However, we encourage you to work directly with your lender to provide the required documents.

Close Form

GAP Claim Information Form

Are you filing this claim as a resident of the state of Texas?

YesNo

Insurance Information

Lender/Finance Company

Type of Loss

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form

Once you've completed and submitted the form above, the next step is to click the link below to submit the required documents.
mygapclaim@jmagroup.com

Send any or all information immediately as there is a time restriction in which to submit your GAP Claim. You must submit the completed claim information form within ninety (90) days of the Total Loss Settlement or within ninety (90) days from the Date of Loss if the vehicle is not insured, whichever is later, or your claim will be denied.

If you would like to print and submit this form manually, you can download it here.

Insurance Information

Lender/Finance Company

Type of Loss

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form

Once you've completed and submitted the form above, the next step is to click the link below to submit the required documents.
mygapclaim@jmagroup.com

Send any or all information immediately as there is a time restriction in which to submit your GAP Claim. You must submit the completed claim information form within ninety (90) days of the Total Loss Settlement or within ninety (90) days from the Date of Loss if the vehicle is not insured, whichever is later, or your claim will be denied.

If you would like to print and submit this form manually, you can download it here.

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