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Disclosures
Subject to the terms of your GAP Plan, including specific limitations and exclusions. You will be responsible for any amounts not waived. Please refer to your GAP Plan for specific details.
GAP is an optional, add-on product and is not required for you to obtain financing for the purchase or lease of a vehicle.
Amount owed 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.
Adjustments for contract exclusion examples may include differences in vehicle valuations. 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.
Refundable products may include, but are not limited to, vehicle service contracts, pre-paid maintenance, or tire and wheel coverage.
Contact your insurance carrier if you have questions on how the value of your vehicle was determined, it is okay to negotiate.