Solutions for

You may be responsible for refunding the customer for aftermarket cancellation.

See what states require refunds

Choose a cancellation type:

32 states require that a refund be provided in the event of cancellation of the GAP

  • Alabama
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Indiana
  • Iowa
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • North Carolina
  • North Dakota
  • Oregon
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

8 states that have placed an affirmative obligation regarding the refund on the creditor – the creditor must refund to the consumer the unearned fee or premium paid for GAP

  • Alabama
  • Colorado
  • Indiana
  • Iowa
  • New Jersey
  • North Dakota
  • South Carolina
  • Wisconsin

28 states require the service contract provider to issue a refund to the contract holder in the event of cancellation

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Louisiana
  • Maine
  • Maryland
  • Minnesota
  • Mississippi
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • South Carolina
  • Texas
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • South Carolina
  • Texas
  • Vermont
  • Washington
  • Wisconsin
  • Wyoming

All 50 states require that the credit life insurer provide the refund.

Expedite the refund process and reduce compliance risk.

Express Recoveries connects lenders with providers and dealers on a single platform to accurately process product cancellation refunds. Reduce the delays and errors of refund recovery for cancellable products including GAP, Vehicle ServiceContracts (VSC) and Credit Insurance from auto, RV and powersports dealers. Reduce exposure to compliance and reputational risk while helping consumers obtain their refunds.

Information as of October 2020

INFORMATION IS BASED ON STATE LAWS. THE INFORMATION CONTAINED IN THIS SITE AND ON THIS CHART IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS LEGAL ADVICE ON ANY SUBJECT MATTER. THIS SITE AND THIS CHART ARE NOT INTENDED TO BE LEGAL ADVICE AND MAY NOT BE USED AS LEGAL ADVICE. LEGAL ADVICE MUST BE TAILORED TO THE SPECIFIC CIRCUMSTANCES OF EACH CASE. THIS CHART SHOULD NOT BE USED TO REPLACE THE ADVICE OF LEGAL COUNSEL.YOU SHOULD NOT ACT OR REFRAIN FROM ACTING ON THE BASIS OF ANY CONTENT INCLUDED IN THIS SITE OR ON THIS CHART WITHOUT SEEKING LEGAL OR OTHER PROFESSIONAL ADVICE. THE CONTENTS OF THIS SITE AND CHART CONTAIN GENERAL INFORMATION AND MAY NOT BE UPDATED IN REAL TIME, REFLECT CURRENT LEGAL OR REGULATORY DEVELOPMENTS OR ADDRESS YOUR SPECIFIC SITUATION IN YOUR JURISDICTION. WE DISCLAIM ALL LIABILITY FOR ANY ACTIONS YOU TAKE OR FAIL TO TAKE BASED ON ANY CONTENT ON THIS SITE AND FURTHER DISCLAIMANY OBLIGATION TO KEEP THIS CHART UPDATED.

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