How much is the typical GAP refund in Florida?

Florida law does not set a refund formula: when the GAP contract ends, the seller or holder must refund all unearned portions of the purchase price unless the contract provides otherwise, less no more than $75 in administrative fees (Fla. Stat. § 520.07(11)(g)). Many contracts use a pro-rata method (original price × unused months ÷ total months). No refund is due if you received a benefit under the product.

How long does Florida give dealers to process my GAP refund?

Florida requires you to submit your refund request within 90 days of your loan payoff or the termination event under § 520.07(11)(g). The statute does not set a hard deadline for the dealer to then issue the refund, so if it stalls, document every contact and escalate to the Florida Office of Financial Regulation. Sending your cancellation request by certified mail establishes a clear start date for the timeline.

Can my Florida dealer keep a cancellation fee on GAP?

In Florida, the administrative fee on a GAP refund is capped at $75 under § 520.07(11)(g). Any fee above that is unenforceable. Always check your contract for the fee disclosure — it must be stated upfront.

What if I refinanced instead of paying off my loan in Florida?

Refinancing ends the original contract the GAP product was attached to, so treat it like a payoff: notify the seller or holder of that event and request your refund within 90 days (Fla. Stat. § 520.07(11)(g)) — the new lender does not handle the old GAP product. You get the unearned portion unless your contract provides otherwise, less no more than $75 in administrative fees.

State Law Guide

If you paid off your loan early, you may be owed a GAP refund.

Florida GAP Insurance Refund Guide

Under Florida Motor Vehicle Retail Sales Finance Act, Florida consumers who pay off auto loans early are entitled to pro-rata GAP and warranty refunds. Dealers who fail to comply face Administrative fines of up to $1,000 per violation, cease-and-desist orders and restitution actions from the Office of Financial Regulation (Fla. Stat. § 520.994).

Quick Answer

In Florida, you're entitled to a pro-rata refund of unused GAP insurance and warranty products when your loan is paid off early. You can sue in Small Claims Court for up to $8,000.

Paid off your auto loan early in Florida?

Check your rights under Florida law

Key Florida Provisions

Provision	Requirement	Your Right
Free Look Period	At least 30 days	GAP products have a free look period of at least 30 days from the contract's effective date, during which you may cancel for a full refund of the purchase price (Fla. Stat. §§ 520.07(11)(h), 520.152(5))
Refund of Unearned Portion	Required unless the contract provides otherwise	When the GAP contract terminates, the seller or holder must refund all unearned portions of the purchase price unless the contract provides otherwise; a no-refund contract may be sold only if a comparable refundable contract was also offered (Fla. Stat. § 520.07(11)(g))
90-Day Request Window	Within 90 days of the terminating event	Notify the seller or holder of the event that ended the contract and request the refund within 90 days after that event (Fla. Stat. § 520.07(11)(g))
Administrative Fee Cap	Max $75	No more than $75 in administrative fees may be deducted from the refund (Fla. Stat. § 520.07(11)(g))
No Refund After a Benefit	Fla. Stat. § 520.07(11)(g)	A refund is not due if you received a benefit under the GAP product
Refund Applied to Balance	Unless paid in full	If the contract ended through default or repossession, the refund may be applied to the amount owed unless you show the contract was paid in full (Fla. Stat. § 520.07(11)(i))
OFR Enforcement	Fla. Stat. §§ 520.994, 520.12	The Office of Financial Regulation can fine violators up to $1,000 per violation, issue cease-and-desist orders and seek restitution; for a willful violation you may recover the finance charge and delinquency fees charged, plus attorney's fees and costs

Free Look Period

At least 30 days

GAP products have a free look period of at least 30 days from the contract's effective date, during which you may cancel for a full refund of the purchase price (Fla. Stat. §§ 520.07(11)(h), 520.152(5))

Refund of Unearned Portion

Required unless the contract provides otherwise

When the GAP contract terminates, the seller or holder must refund all unearned portions of the purchase price unless the contract provides otherwise; a no-refund contract may be sold only if a comparable refundable contract was also offered (Fla. Stat. § 520.07(11)(g))

90-Day Request Window

Within 90 days of the terminating event

Notify the seller or holder of the event that ended the contract and request the refund within 90 days after that event (Fla. Stat. § 520.07(11)(g))

Administrative Fee Cap

Max $75

No more than $75 in administrative fees may be deducted from the refund (Fla. Stat. § 520.07(11)(g))

No Refund After a Benefit

Fla. Stat. § 520.07(11)(g)

A refund is not due if you received a benefit under the GAP product

Refund Applied to Balance

Unless paid in full

If the contract ended through default or repossession, the refund may be applied to the amount owed unless you show the contract was paid in full (Fla. Stat. § 520.07(11)(i))

OFR Enforcement

Fla. Stat. §§ 520.994, 520.12

The Office of Financial Regulation can fine violators up to $1,000 per violation, issue cease-and-desist orders and seek restitution; for a willful violation you may recover the finance charge and delinquency fees charged, plus attorney's fees and costs

What Florida Law Requires

Your Refund Rights

Under Florida Motor Vehicle Retail Sales Finance Act, Florida consumers who pay off auto loans early are entitled to pro-rata refunds on unused GAP insurance and warranty coverage. You're entitled to a pro-rata refund based on unused coverage time.

GAP coverage is often refundable after an early payoff, a refinance, or a total loss on which GAP paid no claim — but the contract, state law, and unused coverage determine the amount.

A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.

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Penalty Provisions

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Frequently Asked Questions

What is the cancellation fee for GAP in Florida?

Under Fla. Stat. § 520.07(11)(g), Florida caps the administrative fee on a GAP refund at $75. Note this is a separate, older provision from the newer Vehicle Value Protection Agreements Act (§§ 520.151–.156), which covers a different, non-GAP product and carries its own fee and penalty rules.

Is there a free look period for GAP in Florida?

Yes. A Florida GAP product must have a free-look period of at least 30 days from the contract's effective date, during which you can cancel for a full refund of the purchase price (Fla. Stat. §§ 520.07(11)(h), 520.152(5)). After the free look, the contract may be cancellable or non-cancellable, so check its terms.

How long does a Florida GAP refund take?

Florida law gives you 90 days from the payoff or loan-termination event to submit your refund request under § 520.07(11)(g). The statute does not set a separate deadline for how quickly the refund must then be issued, so review your contract and follow up in writing if it drags on.

Where do I complain about a Florida dealer?

File complaints with the Florida Office of Financial Regulation or the Florida Attorney General Consumer Protection Division.

Florida Regulatory Contacts

If you need to file a complaint or seek assistance, contact these official agencies:

Contact information is provided for reference. Verify current details on official agency websites.

Compare Other States

See how Florida's laws compare to its neighbors and other states:

Alabama

$50 fee · 60-day refund

Georgia

Varies fee

Hawaii

Varies fee

View all states →

Guides

GAP Refund Resources

GAP refund calculator →GAP refund demand letter →Refund guides by manufacturer →

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More Florida Consumer Guides

Florida Extended Warranty Cancellation Guide

Learn about cancelling dealer add-on products in Florida