GAP stands for Guaranteed Asset Protection. It’s optional coverage that helps pay the difference between:

• Your car’s actual cash value (ACV), as determined by your insurance company
  and

• The remaining balance on your auto loan or lease

If the ACV is less than what you owe, you’re left responsible for the difference—unless you have GAP coverage.

Example:

• Loan balance: $24,000

• Insurance settlement (ACV): $19,000

• GAP coverage pays: $5,000 (the “gap”)

Why You Might Need a GAP Appraisal

Insurance companies don’t always offer an accurate actual cash value for your vehicle—especially if:

• Your car was in exceptional condition before the loss

• You have aftermarket upgrades (wheels, audio, performance mods, etc.)

• It’s a rare, high-demand, or customized model

• The insurer used incomplete or flawed data to assess your claim

In these situations, a GAP appraisal from Coast to Coast Appraisals provides the documentation needed to dispute an undervalued payout—so you get the full benefit from your GAP policy.

What We Do

Coast to Coast Appraisals offers expert, certified appraisal services specifically designed to support GAP claims. Our process includes:

• Pre-loss vehicle evaluation
  Using photos, service history, and comparable market data to establish fair market value just before the loss

• Detailed appraisal reports
  Accepted by GAP providers, lenders, insurers, and legal representatives

• Assessment of aftermarket equipment
  Including performance parts, wheels, suspension, audio/video, and appearance upgrades

• Support with claim disputes
  We’ll help you submit documentation and communicate with your GAP provider or insurer

Who Needs a GAP Appraisal?

You should consider a GAP appraisal if:

• Your insurance company’s settlement offer seems low

• You have custom or modified vehicles

• You owe more than your car’s estimated value

• You want to recover the full amount owed under your GAP policy

• Your GAP provider is requesting proof of pre-loss value

Why Choose Coast to Coast Appraisals?

• Certified & Court-Tested Appraisers

• Nationwide Service — On-site or remote

• Fast Turnaround — We work within your insurance claim deadlines

• Detailed, Defensible Reports

• Experience with GAP Providers and Lenders