No, you cannot get a gap insurance refund after a total loss if you file a claim, though you will likely receive a gap insurance payout. Gap insurance refunds are only for unused portions of a gap insurance premium, and filing a claim means that you used your gap insurance coverage.
However, if your car is declared a total loss and you don’t need to file a gap insurance claim, whether or not you will get a refund depends on your insurer and your state’s laws.
For instance, say you paid upfront for gap insurance on a five-year loan and your car is totaled four years into the loan, but there is no gap to cover because the car is worth more than the loan balance. In this case, you might be able to receive a refund for the next year’s worth of gap coverage, depending on your policy details and your state’s laws.
It’s unlikely that a driver will be retroactively refunded for previous months of coverage, though.
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