State Law Guide - Updated January 2026
Florida GAP/VSC Refund Demand Rights
Under Florida Motor Vehicle Service Agreement Act, Florida gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Actual damages plus attorney fees.
Quick Answer
In Florida, you can cancel dealer add-on products at any time. Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $8,000.
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Key Florida Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Cancellation Fee | Max 5% | Fee cannot exceed 5% of original GAP price |
| Refund Deadline | 45 days | Refund must be issued within 45 days |
| Pro-Rata Refund | Required | Entitled to unused portion minus up to 5% fee |
| Attorney Fees | Recoverable | Can recover attorney fees if dealer violates law |
| 60-Day Free Look | Full refund period | Full refund within 60 days of purchase |
Cancellation Fee
Max 5%Refund Deadline
45 daysPro-Rata Refund
RequiredAttorney Fees
Recoverable60-Day Free Look
Full refund periodWhat Florida Law Requires
Your Cancellation Rights
Under Florida Motor Vehicle Service Agreement Act, Florida consumers have the right to cancel F&I products purchased from dealers.After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Refund Timeline
Once you submit a cancellation request, the dealer or administrator has 45 days to process your refund. Failure to comply may result in Actual damages plus attorney fees.
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Penalty Provisions
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$39 - Avg Florida refund: $520 - Potential 13x return
Frequently Asked Questions
What is the cancellation fee for GAP in Florida?
Florida caps cancellation fees at 5% of the original contract price. For example, if you paid $700 for GAP, the maximum fee would be $35.
Is there a free look period for GAP in Florida?
Yes. Florida provides a 60-day free look period where you can cancel for a full refund minus up to 5% fee. This is one of the longest free look periods in the nation.
How long does a Florida GAP refund take?
Florida law requires dealers to process your refund within 45 days of receiving your cancellation request.
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
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Based on Florida Motor Vehicle Service Agreement Act