Attention New Jersey Residents
Attention Colorado Residents

To prevent loss of coverage due to cancellation for non-payment during the COVID-19 Public Health Emergency, for the next ninety (90) days, Courtesy Insurance Company is (i) extending all premium grace periods; (ii) waiving late payment fees and not reporting late payments to credit agencies; (iii) allowing premiums due but not paid during the 90-day period to be paid over the remainder of the policy term or up to 12 months in up to 12 equal installments, whichever is longer; and (iv) implementing a moratorium on cancellations for non-payment. Late payments during the 90-day period will not be considered in any future premium calculations at any time. Policyholders may elect for this 90 day emergency grace period to begin retroactively on April 1, 2020 or opt for it to begin on May 1, 2020. Please call us at 1-800-298-8011 if you have any questions or concerns.

Attention New Jersey Residents

To prevent loss of coverage due to cancellation for non-payment during the COVID-19 Public Health Emergency, for the next sixty (60) days, Courtesy Insurance Company is (i) extending all premium grace periods; (ii) waiving late payment fees; (iii) implementing a moratorium on cancellations for non-payment; (iv) deferring any non-renewal underwriting actions; and (v) providing a continuation of coverage for any expiring policy.  Please call us at 1-800-298-8011 if you have any questions or concerns.

Attention Colorado Residents

We’re here to help.

Start Your Claim    How It Works


Gather Documents

We’ve listed the required documents below. They are needed to process your claim, so it’s best to gather them all before getting started.

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Create Your Account

Set up a username and password so you can keep track of your claim’s progress and we can stay in touch with you.

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Start Your Claim

We’ll need some information about your vehicle, lender and insurance company. Then, submit your documents and we’ll get to work.

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How do I get started?

Required Documents

Please provide legible and complete copies of the following documents.
We’ve included their sources and examples to help you gather what you need.

Selling Dealership Documents


Manufacturer’s Invoice

Details the vehicle’s MSRP and equipment (if purchased new). In lieu of this, you can send a copy of the Monroney Label (a.k.a. the window sticker).

Buyers Order / Sales Agreement

Only required if your finance contract is assigned to a credit union. It details all the conditions of the vehicle sale.

Lender/Financial Institution Documents


Complete Payment History

This provides proof of payment from your loan’s inception date through your date of loss. Please include the payoff amount as of the date of loss.

Finance Contract

This is the Retail Installment Sales Contract or lease agreement between you and your dealer where you agree to a payment on the vehicle.

Insurance Company Documents


Insurance Settlement Statement

Details the settlement amount, including the vehicle value at the date of loss as well as applicable taxes, fees and adjustments.

Insurance Settlement Check

The check amount will match the insurance settlement statement calculation. Provide a copy of the check or a print screen of the payment issued.

Insurance Evaluation Report

This shows how the value of your vehicle was calculated by your insurance company at the date of loss and often includes comparable vehicles and condition adjustments.

What is Gap?

Total Loss Protection Plan (“GAP Plan”)

The GAP Plan is a GAP waiver and is designed to potentially waive the difference between what you owe on your finance agreement and the insurance settlement amounts available to you relating to the total loss of your vehicle.

GAP is not insurance.

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Knowing Your Vehicle's Value

Knowing the value of your vehicle is important before you accept a settlement from the insurance company. There are several industry approved methods for calculating a car’s value. Contact your insurance carrier if you have questions on how the value of your vehicle was determined, it is okay to negotiate.

The GAP Plan uses the National Automobile Dealers Association’s (NADA) formula for valuing your vehicle. This valuation is what is used in calculating the GAP waiver amount. Because your insurance company may use a different calculation than the GAP Plan when calculating your vehicle’s value, the insurance company’s calculation at the time of loss may be different from the GAP Plan calculation.

How is GAP calculated?

GAP Waiver Calculation

Several documents are required to calculate the GAP waiver. Since the GAP Plan is signed at the time of the vehicle sale, it amends your finance agreement and is a part of the agreement. The GAP Plan calculation often assumes all payments were made as originally scheduled and on time.

Amount Owed at the Date of Total Loss

This is the amount that should have been owed on your vehicle at the time of loss.

Amount owed at the date of total loss may not include missed payments, payment extensions, deferred payments, accrued interest, late fees, disposition fees, penalty fees, early termination fees or finance charges incurred after the date of loss.

Primary Settlement

All amount(s) available to you in connection with your vehicle’s total loss

Condition Adjustments and Related Costs

Adjustments to the value of your vehicle based on its condition or unrepaired prior damages

Automobile Insurance Deductible (if applicable)

You may be responsible for your insurance company deductible

Adjustments for Contract Exclusions

Amounts which may not be included in the GAP waiver. Adjustments for contract exclusion examples may include differences in vehicle valuations.*

Refund for Cancellable Products

Refundable amounts for cancellable products purchased for your vehicle and included in the financing.

Refundable cancellable products may include, but are not limited to, vehicle service contracts, pre-paid maintenance, or tire and wheel coverage.

* For example, if the insurance company’s valuation of the vehicle is less than 90% of the NADA value, the difference between the insurance company valuation and 90% of the NADA value. e.g. NADA values your vehicle at $10,000 and the insurance company values your vehicle at $8,500. Since 90% of $10,000 is $9,000, the difference between $9,000 and $8,500 (which is $500) will not be included in the waiver amount and remains your responsibility.