GAP and warranty refunds are request-only in most states
You may be owed a refund on your old car's GAP or warranty.Most people never ask.
When you pay off a car loan early, trade in, refinance, or total the vehicle, any GAP insurance or extended warranty you paid for stops covering you, but the unused portion is usually still refundable. In most states you have to request it yourself.
State rules cited to statute
You file it yourself. We never contact anyone for you
Free to check
Example estimate
Example scenarioGAP $895 + extended warranty, loan paid off 14 months early
Estimated refund range
$240 to $520
- Loan paid off early: refund window open
- GAP: prorated refund typically available
- Warranty: prorated refund typically available
Illustrative example only. Your estimate is computed from your inputs and your state's rules.
The kit builds your request letter. You send it, and the refund comes to you.
Why this is real
- [TODO-COPY] CFPB enforcement action receipt
- [TODO-COPY] State attorney general recovery receipt
- [TODO-COPY] "You have to ask" state-by-state receipt