GAP is incredibly frustrating! My Nissan was totaled on November 8, 2024, and while my personal insurance covered their portion in December 2024, I was left with a $2,300 loan balance with Santander. I purchased GAP coverage through SafeGuard, but, as of March 2025, my claim is still listed as INAUDIT. I’ve submitted all necessary documents on time, but now my loan is overdue, and it’s hurting my credit score. I can’t buy a new vehicle until this gets resolved, yet neither Santander nor SafeGuard will provide any answers about the delay.
GAP SUCKS!
I’m really sorry to hear about your situation. Dealing with insurance claims can be incredibly frustrating, especially when it’s affecting your credit and ability to get a new vehicle. Since you’ve already submitted all the necessary documents and the claim is still in audit, here are a few suggestions:
Follow Up Regularly: Keep following up with both Santander and SafeGuard. Make sure to keep records of your communications, including dates, times, and the names of the representatives you spoke with.
Escalate the Issue: If you’re not getting anywhere with customer service, ask to speak with a supervisor or escalate your claim. Sometimes, higher-level representatives can help expedite the process.
Document Everything: Make sure you have copies of all correspondence and documents you’ve submitted. If the situation doesn’t improve, consider reaching out to your state’s insurance commissioner or consumer protection agency for assistance.
Credit Reporting Issue: If your credit is being affected, you may want to contact the credit bureaus to explain the situation. They may allow you to add a note to your credit report about the pending claim.
Seek Legal Advice: If the issue continues to drag on, it might be worth consulting with an attorney who specializes in insurance disputes. They can help you understand your options and rights.
Hang in there, and I hope you get this resolved soon so you can get the vehicle you need!