Help and Support

What happens if I have gap insurance?

If you have gap insurance, please contact your gap company as soon as possible and file a claim. Here are documents typically requested by gap insurance companies and who provides them:

  • Santander Consumer USA: finance contract, gap contract, warranty contract, vehicle bookout, payoff as of date of loss, copy of insurance check, payment history.
  • Insurance company: evaluation and settlement breakdown, police or Cause of Loss (COL) report, declaration page.
  • Customer: explanation of mileage and the police report or statement of loss if insurance company cannot provide it.

If you have questions about your gap coverage, please contact your gap provider to discuss. You also may contact Santander Consumer USA Service Department at 1.800.215.6922.


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