Frequently asked questions
Can I do this myself for free?
Yes. Honestly, you can. Everything the kit does is something you are legally allowed to do yourself: look up your state's rules, calculate the unused portion of what you paid, find the right administrator address, and send a written request. The kit exists because doing that well takes hours of research, and most people never start. You are paying $49 to skip the research and get it right the first time, not for access to some special process.
What exactly is this refund?
GAP coverage and extended warranties are priced for the full length of your loan. If the loan ends early (paid off, traded in, refinanced, or the car was totaled), part of what you paid covers months that never happened. That unused portion is what the industry calls unearned premium, and in most states you can claim it back on a pro-rata basis: the months that were left, divided by the total term, sometimes minus a cancellation fee.
Who actually pays me?
The product administrator, the company named in your GAP or warranty contract. Sometimes the refund routes through your lender or the dealer that sold the add-on. The kit's letter is pre-addressed to the right party based on what you tell us, and it is not the dealer's showroom desk.
Do you contact anyone on my behalf?
No, never. We never negotiate with anyone or contact the administrator, lender, or dealer for you. You send your own letter, in your own name, and the refund comes to you. The optional mail add-on (+$20) prints and mails a physical copy of your own letter, like a print shop would, nothing more.
How much will I actually get back?
We will not pretend to know. The estimate is a range computed from your inputs: what you paid, how early the loan ended, and your state's rules. If your numbers put the likely refund under about $75, the estimate page says so and tells you the kit probably is not worth it for you. Ranges only, never promises. What you actually receive depends on your contract, your administrator, and your state.
What is the difference between the free calculator and the quiz?
The calculator is instant rough math: a pro-rata range from term and time elapsed, no email needed, yours to keep. The quiz asks about your actual situation (your state, what happened with the loan, which add-ons, who financed it) and produces a personalized estimate with your state's rules applied. That is also where you can buy the kit, if your numbers justify it. Calculator first if you are skeptical; quiz when you want your real range.
I am not sure which add-ons I bought.
Very common. These products were often added in the finance office years ago, a line or two in a stack of paperwork. Answer "not sure" in the quiz and the estimate uses a conservative GAP-only assumption. The kit includes a records-request worksheet: a short letter to the dealer or lender asking for your complete contract copy, so you can find out exactly what you bought and claim all of it.
Will this affect my credit or reopen my old loan?
No. Requesting a refund of unearned premium is a contract matter, not a credit event. There is no credit check, nothing gets reported, and your closed loan stays closed. You are asking a company to return money for coverage months that never happened.
How long until I see the money?
It varies by administrator and state, from a couple of weeks to a couple of months after your written request. Some states set response deadlines with penalties; where your state does and we have verified the rule, your letter cites it. The kit also includes follow-up scripts and a state insurance-department complaint template in case they stall.
What is your refund policy for the kit itself?
Checkout is not live yet. The kit's own refund terms will be published on the refund policy page before we take a single order.