CONTACT US AT 1-800-521-2774

GAP Claims Procedure

Our goal is to process your claim as quickly as possible. Check out the list of required documents below and click the button below to get started.

Which documents need to be submitted?

Please submit legible copies and note that as documentation received is reviewed, additional information may be requested.

  • Your current mailing address for correspondence
  • Your daytime contact number/information
  • GAP Deficiency Waiver Addendum
  • Financing contract (loan or lease agreement)

Refund amounts for any cancelable items such as credit life insurance, accident and health insurance, service contracts, theft deterrent products, and GAP if cancelable due to the claim.

  • Loan payment/transaction history
  • Account number and payoff address
  • Settlement breakdown which matches settlement check amount
  • Valuation report
  • Insurance settlement check
  • Date and cause of loss
  • Police report or fire department report if loss was due to theft, fire, or vandalism, or in the event that you did not have primary insurance at the time of the loss.

Please note that as documentation received is reviewed, additional information may be requested.

IMPORTANT: All claims must be reported to APCO within 90 days of the date of primary insurance settlement, or in the event no primary insurance was in force, 90 days from the date of loss.

Please note due to privacy laws, often your documents will have to be obtained by you. APCO may not be able to gather this documentation on your behalf.

If you prefer to mail or fax your documents, please send to:

For Regular Postage:

APCO (GAP Claims Dept.)
P.O. Box 88230
Atlanta, GA  30356

Express, Certified & Overnight Mail:

APCO (GAP Claims Dept.)
6010 Atlantic Boulevard
Norcross GA 30071-1303


(Attention: GAP Claims Dept.)

For more information or help with this process, please email or call us

Email: GAPDocs@easycare.com (Attention: GAP Claims Dept.)
Phone: 800-521-2774 on Monday through friday from 8:30 am – 6:00 pm EST