For GAP providers

Every dollar the carrier underpays, GAP pays.

We review the primary carrier's total-loss valuation and give the borrower the evidence to raise it. A higher settlement means a smaller GAP claim.

GAP severity isn't coming down

$4,987
Average paid GAP claim, up about 35% on the 2018 peak.
Assurant, Q1 2026
23.5%
Share of auto claims that end in a total loss, a record.
CCC, first half of 2026
29.1%
Trade-ins carrying negative equity, $7,107 on average.
Edmunds, Q3 2026

An example, before deductible and contract caps. A borrower owes $18,000 and the carrier settles at $12,000.

Carrier's offer stands

Settlement raised $3,000

Nothing new to collect
We work from the valuation report and settlement letter already in your claim file. CCC and Mitchell.
A call on every file
Worth disputing or not, and by how much. You stop guessing which settlements are low.
Ready for the borrower to send
A lienholder can't demand appraisal on its own (Arizona, 2025). The owner can, and the packet is written for them.
Flat fee per report
No contingency and no share of what's recovered. You know the cost before you send a file.
Your GAP terms stay as they are
We raise the primary settlement. The borrower's GAP benefit and your contract don't change.
Good for the borrower too
Once the gap is covered, the rest of any increase goes to them.

1
Send us the carrier's valuation report and settlement letter.
2
We tell you if it's worth disputing and what the difference is. Most files are back within a day.
3
The borrower gets an evidence packet to send their insurer.

Leave your number. We'll call you.