Do I get a GAP refund if I pay off my car early?

Yes, you're entitled to a pro-rata refund of your unused GAP insurance when you pay off your car early. Dealers rarely process this automatically - you must request it. California and Wisconsin prohibit cancellation fees entirely.

How is my GAP refund calculated?

GAP refunds are calculated pro-rata based on the unused portion of your coverage. For example, if you paid $800 for 72 months of coverage and paid off at 36 months, you're owed approximately $400 minus any applicable fees.

What if the dealer ignores my refund request?

Many states impose penalties for delayed refunds. California allows treble (3x) damages for wrongfully withheld refunds. Texas imposes 10% per month penalties after 46 days. Our letters cite these penalties to encourage prompt compliance.

Can I get a refund after a total loss?

If GAP paid out a claim after a total loss, you generally cannot get a refund. However, if your car was totaled but GAP wasn't needed (insurance covered the full balance), you may still be entitled to a pro-rata refund.

GAP Refund

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Paid Off Your Car Early? You're Owed a Refund.
We'll Dismantle It Line by Line.

Dealers virtually never process GAP/warranty refunds automatically. Upload your contract — we calculate what you're owed and generate a legal demand letter.

Charge Extraction → HUD / IRS useful-life lookup

Evidence Mapping → One photo, one deduction

Ready-to-Send Letter → PDF you own forever

Find Refundable Products

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CA 3x · HB23-1181

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Upload Sales Contract or Payoff Letter

Upload your vehicle purchase agreement or loan payoff confirmation showing GAP/VSC products

AI Extracts Charges

Each line item identified

Map Your Evidence

Photo per charge

Deploy Defense

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Regulatory Authority

Your Landlord's Charges Meet Federal Depreciation Law

SURFACES

Paint → 3 Years

HUD Handbook 4350.1 defines useful life. After 3 years, repainting is the landlord's cost.

TEXTILE

Carpet → 5 Years

HUD MAP Guide 5C. Normal traffic wear is expected, not tenant damage.

APPLIANCES

Units → 10-15 Years

IRS Publication 527. Charging for normal wear on aged appliances is prohibited.

$847

Avg. Recovery

89%

Success Rate

2.4k+

Disputes Filed

Recent Wins

"Landlord tried charging $1,200 for carpet. Got back $890 after sending this letter."

— Austin, TX · Recovered $890

"The HUD citations shut down their whole argument. Full refund in 8 days."

— Seattle, WA · Recovered $650

"Used to just eat the deductions. This letter pays for itself 50x over."

— Denver, CO · Recovered $420

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