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FILING A GAP CLAIM
IMPORTANT INFORMATION
All requested claim documentation must be received by us within 90 days from the date of issuance of your Primary Insurance Settlement (see your contract for details). In the absence of Primary Insurance, all requested claim documentation must be received by us within 90 days from the Date of Loss. No gap benefit will be paid by your gap contract if requested documentation is not provided within the stated time period.
Documents Needed to Process a GAP Claim
Insurance Settlement Check(s)
Insurance Settlement Breakdown Form
Photocopy of draft copy of the Insurance Companies check(s)
A detailed document that outlines how an insurance claim related to your car was settled.
Insurance Company
Insurance Company
Vehicle Valuation Statement/Report
Payment History
Loan Contract Retail Purchase Agreement
Warranty Contract (VSC, Credit Life, etc.)
Full Insurance Valuation Report showing how the insurance company determined the Actual Cash Value of the vehicle.
A detail record of all the payments you have made toward your car loan.
This is the legal document that outlines the terms and conditions of a loan taken by a consumer to purchase goods or services from a retailer.
If A Refund: Copy of the contract and a check copy or statement showing dollar amount of refund.
Insurance Company
Lender
Lender or Dealership
Lender
Police Report/Cause of Loss Letter
Full official Police Report from responding agency. If a Police Report is not available, a “Cause of Loss” letter from the insurance company stating that a police report was not filed and an explanation regarding the cause of loss.
Police Department or Insurance Company
Document
Description
Obtain From
Contact GAP Claims
American Assurance Corporation
ATTN: GAP
P.O BOX 36231
DENVER, CO 80227-9998​
PHONE: 877.783.2221 Option 1
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