Shrink every GAP claim before you pay it.
Your GAP payout is the loan payoff minus the primary carrier's ACV settlement. When that settlement is thousands below true market value, you eat the difference. An independent appraisal moves the ACV — and every dollar it moves is a dollar off your deficiency.
$3,335
average settlement increase on settled cases
22%
average uplift over the initial ACV offer
46+
settled cases behind these figures
The deficiency math is your P&L
A borrower owes $28,000. The primary carrier offers $21,500 for a vehicle worth $25,000. Without intervention, GAP pays $6,500. With the appraisal moving the settlement to true value, GAP pays $3,000.
Accepting the first offer
- Loan payoff
- $28,000
- ACV settlement
- $21,500
- Your GAP payout
- $6,500
With an independent appraisal
- Loan payoff
- $28,000
- Negotiated settlement
- $25,000
- Your GAP payout
- $3,000
$3,500 exposure reduction for a $497 case fee — a 7× return on the single claim.
What's your book worth recovering?
Three numbers you already know — monthly total losses, your average deficiency, and how often the first ACV offer runs low.
Model your book
Vehicles totaled across your covered portfolio each month.
What the payoff exceeds the insurer's ACV payment by, per claim.
Share of total-loss offers that come in below the vehicle's true market value.
Addressable GAP exposure / year
$1,260,000
360 undervalued claims × $3,500 average deficiency
Program fees
$178,920
at $497 per referred case
Exposure-to-fee ratio
7.0×
every fee dollar contests $7 of deficiency
Illustrative model, not a guarantee: actual recovery per claim depends on the vehicle, the offer, and the negotiation outcome. Every appraisal is performed by a licensed independent appraiser, and settled-case figures are reported in your analytics dashboard.
How it works
Refer the total loss
Portal form, CSV, or API — send the borrower, vehicle, claim, and loan payoff when the primary carrier's offer lands. Your program economics apply automatically, overridable per referral.
We appraise & negotiate
The borrower consents via a co-branded invitation or your warm handoff. A licensed independent appraiser documents true market value and negotiates the ACV with the primary carrier under the state's appraisal process.
Your deficiency shrinks
Settlement uplift comes straight off the payoff-minus-ACV gap you'd otherwise pay. Track every milestone, the financial exposure math, and portfolio-level savings vs spend in real time.
Three ways to fund it — you choose, per referral
Set a program default in your portal settings, then override the mode or the split on any individual referral before activation.
Provider-paid
You cover the case fee; the borrower pays nothing. Highest activation rates — the invitation reads as a benefit you've arranged.
- Flat fee per activated case
- Card-on-file or monthly NET-30 invoicing
- Borrower sees a $0 price
Split-pay
Subsidize a fixed amount or percentage; the borrower covers the rest at a co-branded discount you control.
- Fixed-dollar or percentage subsidy
- Adjustable per referral before activation
- Subsidy appears as your branded discount
Customer-paid
Refer at no cost to you — the borrower pays the standard price. You still get the timeline, analytics, and exposure reduction.
- No provider billing at all
- Full status + savings visibility
- Upgrade to subsidies any time
Built to plug into a claims operation
REST API + webhooks
Create referrals with idempotent retries, bulk-submit 500 at a time, and receive HMAC-signed webhooks for every milestone — invited, activated, appraisal complete, settlement. OpenAPI spec included.
Savings analytics
Exposure reduced, gross uplift, fees, net savings, and ROI multiple — portfolio-wide and per case, broken down by month, market, and carrier. CSV export for your finance team.
Billing that fits AP
Card-on-file charged per activated case, or consolidated NET-30 monthly invoicing. Every charge lands in a ledger tied to its referral — no surprise line items.
Compliance is the product, not a footnote
You're sharing borrower NPI with a service provider. The program is engineered around that responsibility.
Written agreement first
A Master Service Agreement is e-signed before a single referral moves — data-sharing scope, permitted use, safeguards, and audit trail included. Negotiated redlines are countersigned in the same portal.
GLBA service-provider posture
Borrower data is shared under the GLBA §502(e) service-provider exception: used solely to deliver the appraisal service, never sold, never repurposed for marketing.
Consent-first outreach
Borrowers opt in through the activation link, or your team delivers the written disclosure and attests it before we ever place a call. Every consent is timestamped with its capture surface.
Licensed independent appraisers
Appraisals are performed by licensed professionals acting under the policy's appraisal clause — an arm's-length valuation the primary carrier has to engage with, not a letter on your letterhead.
Frequently asked questions
How does an independent appraisal reduce my GAP payout?+
GAP pays the difference between the loan payoff and the primary carrier's actual-cash-value settlement. When the ACV offer is below true market value — which is common — the deficiency you cover is inflated. A licensed independent appraiser documents the vehicle's real value and negotiates with the primary carrier; every dollar of settlement uplift comes directly off your GAP exposure.
Who pays for the appraisal?+
Your choice, per program or per referral: provider-paid (you cover the case fee, the borrower pays nothing), split-pay (you subsidize a fixed amount or percentage), or customer-paid (the borrower pays the standard price and you simply refer). Most providers choose provider-paid — the fee is a fraction of the average deficiency reduction.
How do borrowers get engaged? Do you cold-call our members?+
Never. Two consent-first paths: we send a co-branded invitation (email or text) that the borrower activates themselves, or — for warm handoffs — your team reads a short disclosure to the borrower first, attests it in the portal, and only then does our staff reach out. Every contact records its consent trail.
Is this compliant with GLBA and our privacy obligations?+
The program runs under a written Master Service Agreement grounded in the GLBA service-provider exception: you share borrower claim data with us to provide a service on the borrower's behalf, we use it solely for that purpose, and we protect it with the same safeguards we apply to our own customers. The MSA, disclosure script, and data-handling terms are all reviewable before you sign.
How do we submit referrals?+
Three ways: one at a time in the portal, CSV bulk upload (up to 500 rows with per-row program overrides), or the REST API with HMAC-signed webhooks pushing every status change back to your claim system. API keys and webhook endpoints are self-service in the portal.
What visibility do we get into case progress?+
A provider-facing timeline for every referral — invitation, activation, appraisal, negotiation milestones, settlement — plus a financial panel showing the offer, appraised value, current best offer, and your projected exposure reduction. Analytics aggregate savings vs spend by month, market, and carrier, with CSV export.
What does it cost?+
Standard pricing is a flat per-case fee (currently $497) charged only for activated cases — no platform fee, no minimums. Card-on-file per case or consolidated NET-30 monthly invoicing. Volume pricing is negotiated in the MSA.
How long does onboarding take?+
Apply with a business email, get approved (usually within one business day), e-sign the MSA in the portal, add billing, set your program defaults — most providers submit their first referral the same week.