We Help GAP Providers
Stop paying the carrier’s rightful liability.
When Market Value Settlements fall short of true Actual Cash Value, GAP providers get stuck holding the bag. Our liability realignment claims set the ACV fencepost by which every liability is measured — the carrier pays what it owes, you pay only the true remainder, and the borrower owes nothing.
Liability Realignment
How under-valuations become your problem — and how we fix the math
The shifted-liability trap
When a Market Value Settlement runs short of true ACV, carriers shrug: “doesn't GAP cover the rest?” That deceitful practice routinely shifts the primary carrier's rightful liability onto GAP providers — with little recourse.
Pass-through deductions
Contractual reductions for carrier deductions (mileage, condition, prior damage) only partially insulate you — and leave borrowers with surprise balances, irate calls, and the negative reviews that follow.
The ACV fencepost
We work for the insured, never for a GAP provider — but by establishing the true Actual Cash Value, we set the fencepost by which every liability is measured. Everyone pays exactly what they owe.
Once the true ACV is established…
Primary carrier owes
Full Actual Cash Value
GAP provider owes
True remainder above ACV only
Borrower owes
$0
The entire process working exactly as GAP products were designed — which is why we call these Liability Realignment Claims.
GAP Provider FAQs
What is a GAP liability realignment claim?
When a primary carrier's Market Value Settlement falls short of a vehicle's true Actual Cash Value, the shortfall gets shifted to the GAP provider — and sometimes the borrower. A liability realignment claim establishes the true ACV through independent appraisal, so the primary carrier pays the full ACV, the GAP provider pays only the true remainder above it, and the borrower owes nothing. Exactly as the products were designed.
How do carriers shift liability onto GAP providers?
Insurers questioned about low settlements routinely ask whether the insured has GAP coverage — and respond that GAP will cover the difference. That practice harms insureds who may be owed more than their payoff, and it converts carrier under-valuations into GAP payouts, with little recourse for the provider.
Do you work directly for GAP providers?
No — as a public insurance adjuster agency we represent only the insured. But when we establish a vehicle's true ACV for our client, the realignment benefits every honest party in the chain: the borrower is made whole, and the GAP provider's exposure shrinks to its true contractual remainder.
Free Claim Review
Let's put liability back where it belongs.
Tell us about the settlements shifting exposure onto your book — we'll show you how ACV realignment changes the math.
800-736-6816Toll-free, nationwide
Start your free claim review
No cost. No obligation. 24-hour response.