The first step is to contact the selling dealer (listed on the first page of your Agreement). The dealer will then initiate the claims process with the Administrator, which includes obtaining the required prior authorizations before performing any covered services. If you would like to have your covered services performed by a service facility other than the selling dealer, you can contact the Administrator directly during normal working hours at (833) 959-0103.

The first step is to contact the Claims Team at (833) 959-0103 (Monday to Friday, 7 a.m. to 10 p.m. ET, and Saturday, 8 a.m. to 7 p.m. ET). They are here to assist you in filing a claim and finding a licensed repair facility. Claims must be approved in advance, or the claim could be denied.

Please have a copy of your Customer Agreement available. 

To initiate a GAP/GAP Plus claim, you should submit a written Waiver Benefit request or submit at least one of the required documents to the Administrator within 90 days of the insurance settlement date (or date of loss if there is no primary insurance).

Customer can email documents or utilize the Administrator’s self-service GAP Portal found at sggap.com. The Waiver Benefit may be denied if the claim is not properly initiated within the time frame.

1. If customer does not exercise their vehicle purchase option, they must return the covered vehicle to a GM Dealership or other place the Lessor designates on or before the scheduled lease termination date.

2. Customer must make the covered vehicle available for inspection at Lessor’s request.

3. When the customer returns the covered vehicle, they must give the Lessor a completed signed odometer disclosure statement.

4. Lessor will have the covered vehicle inspected in order to determine the amount of any Excess Wear and Tear charges owed by the customer.

5. Lessor will provide the Administrator with a copy of the Vehicle Inspection Report so they can calculate the amount of any Waiver Benefit to be applied to the customer’s account.

6. Lessor will provide the customer with a copy of their final statement detailing the itemized calculation of their Excess Wear and Tear charge(s), the amount of any Waiver Benefit being applied to their account and, if applicable, any  outstanding balance the customer owes the Lessor under the terms of the Lease Agreement. 

For Key, Dent, and Windshield Protection, contact your dealer of purchase for information on repair and claims processes. (Tire & Wheel claim information listed above.)

Please note that not all products are available in all states.