Business ProfileforAsbury Automotive Group, LLC

I purchased GAP insurance with my car purchase and when came to use it. I was denied coverage. Total Care refused my claim, and I am owing over $11,000.00 on my vehicle that was in total loss.

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There was no *** to be paid after a) you received the insurance settlement amount b)you received a refund for the tire contract, c) after your insurer deducted for a policy limits issue, d) after your breakdown insurer deducted for post tax settlement, and e) after your insurance carrier deducted for prior damage,negative condition of your vehicle.

Any amount left due on your loan is your responsibility. It states on the face of the contract, see under Acceptance, that this *** Addendum may not waive the entire amount You owe at the time of loss. (emphasis added)

On June 3, 2021, you signed the *** Addendum. The *** Agreement section states,Subject to the full terms, conditions, and exclusions set forth on this Guaranteed Auto Protection (***) Addendum, in the event of a Constructive Total Loss to the Covered Vehicle, We agree to waive Our rights against You for the *** AmountYou will remain responsible for payment of any items stated in the Exclusions section of this *** Addendum.(emphasis added) You received a copy of these terms at the time of purchase and had the opportunity to review them before signing.

As noted above, exclusions to the *** Addendum may apply (as it did in this case). The *** Addendum does not provide coverage for losses for any amounts subtracted from the Primary Carriers Constructive Total Loss Settlement due to pre-existing damage, excess wear and tear **** include mileage), unpaid insurance premiums, towing, storage, owner-retained salvage, or other adjustments to the value of Your vehicle. (emphasis added)

Should you have additional questions, please contact the Administrator for this *** contract at **************.