Free analysis · Letter $39 if you choose
Paid Off Your Car Early? You May Be Owed a Refund. We'll Draft the Refund Request.
Paid off early? The unused portion of GAP is often refundable — but you usually have to ask. We identify refundable products, estimate the pro-rata amount, and prepare the request letter.
Everything up to your result is free — no signup, no card.Personalized letter: one-time $39, only if you choose.
What your free check finds
ExampleGAP insurance — unearned premium: ESTIMATED UNUSED PREMIUM
Paid $900 · loan paid off early, 48 of 72 months unused
$600 estimated pro-rata refund in this example, before any cancellation fee
How it works
Upload Sales Contract or Payoff Letter
Upload your vehicle purchase agreement or loan payoff confirmation showing GAP/VSC products
Premium Extraction
Identify the GAP premium and term
Pro-Rata Calculation
Unearned portion based on payoff
Refund Letter
Addressed to dealer or administrator
What your letter checks — and the rules behind it
Payoff, Refinance, Total Loss
GAP ends when the loan ends. A payoff or refinance leaves the unearned premium refundable, and so does a total loss when GAP paid no claim.
Coverage Ended
Unearned Premium
After payoff, refinance, or a total loss GAP paid no claim on, the unearned portion of the GAP premium is typically refundable.
Pro-Rata
Other F&I Products
If your contract shows other cancellable products, the same pro-rata check applies to each of them.
VSC · Maintenance · Tire & Wheel
Cancellation Rules
Full-refund windows in most states, plus caps on cancellation fees (e.g., AL: $50 max).
Free Look · Fee Caps
Refund Math Shown
The demand letter spells out the pro-rata calculation, so the administrator can't hand-wave the number.
Months Unused ÷ Term
See Whether It's Worth Pursuing
Prior claims, elapsed term, and contract rules can reduce the refund — we show the estimate before you decide whether to proceed.
Honest Estimate
Free analysis — no signup, no cardPersonalized letter $39, only if you choose