Section 01 · Eligibility

Who is eligible to file a claim?

Estimate your recoverable refund in under a minute. If the number is worth your time, share a few quick details and a specialist will reach out the same day.

Refund Estimator

Estimate your recoverable refund.

Answer three short questions for an illustrative range. If it looks worth pursuing, start your claim right from the results — a specialist will reach out within a few business hours.

The estimator is an informational tool only. An actual eligibility review of your contracts is provided at no cost when you file a claim — and no outcome is guaranteed.

Eligibility Estimator

Step 1 of 3

What happened with your vehicle?

Select the option that best describes your situation.

Four ways you might already qualify

If any of the following apply within the last few years, you likely have a recoverable refund worth reviewing.

Criterion 01

Never Used? Get the Cash.

You paid hundreds — sometimes thousands — for warranty, GAP, and other add-ons when you bought the car. If you never used them (or barely touched them), the unused portion is owed back to you in cash. Whether the loan is paid off, refinanced, or still active — we file the claim and you get paid.

Criterion 02

Vehicle Traded or Sold

Add-on products are tied to your original loan, not the vehicle itself. When the vehicle is traded or sold, the remaining contract value is owed back to you.

Criterion 03

Loan Refinanced

Refinancing typically terminates the original loan. Most add-on products do not transfer to the new lender, making the remaining value recoverable.

Criterion 04

Vehicle Totaled or Repossessed

When a vehicle is declared a total loss, GAP coverage typically pays out — but VSC, tire & wheel, and other ancillary products still carry recoverable refund value.

Begin your no-cost claim review.

Submit your details and a claim specialist will review your eligibility within one business day. There is no cost and no obligation to proceed.

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