申请贷款保护计划索赔

保证资产保护(GAP) covers the gap between what you owe on an auto loan and what your car is worth.

如果你的车是“全毁”或被盗, your primary insurance company settlement can be significantly less than the outstanding balance on your loan or lease. This may create a deficiency balance or a "gap" resulting in a serious financial hardship for you. GAP covers the loan balance that your primary insurance carrier did not cover.

Here are the steps to follow in the event you need to file a GAP claim:

1. 向你的保险公司提出索赔
2. Call Elements at 1-800-621-2105 and provide us with your insurance information so our Loan Servicing team can reach out to the insurance company on your behalf.
   • Behind the scenes, Elements will cancel any added products that were financed. Since the funds to purchase these products were borrowed, 这笔资金将用于你的贷款余额. If the insurance settlement already paid the loan in full, 这笔钱将存入你的储蓄账户.
   • If the loan still has a balance, we will file a GAP claim. 在大多数情况下, 我们将代表你做这件事, and you will receive an email letting you know the claim has been filed. There are certain GAP carriers that may require you to file your own GAP claim. 如果是这样，我们会通知你的.
   • Depending on the dealership/third party you got your loan through, you may be required to provide additional documentation to complete your GAP claim. 一旦您收到通知，您的GAP索赔已提交, please respond to any communications you receive from Elements or your GAP carrier asking you to provide additional documents. Any delay in receiving documents will result in a delay in receiving your GAP settlement, and failure to send the documents your GAP carrier is requesting may mean they won’t be able to complete your claim.
3. The regular monthly payment will still need to be made until the loan is paid off.

进一步了解保证资产保障(GAP)

机械故障保护(MBP), 也被称为延长保修, is automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns. 在合同有效期内, you are assured that the components covered in your vehicle will be repaired in the event of failure, 包括劳动, 以任何适用的免赔额为准.

Here are the steps to follow in the event you need to file an MBP claim:

1. Look in your loan documents to see who your warranty is through, and find the contact sheet to reach out to the warranty company.
2. If Route 66 is your warranty company, please call 1-800-808-0828 to file a claim.
3. For further questions, please get in touch with Elements at 1-800-621-2105.

常见的MBP保修合作伙伴包括:

储蓄小组

• Rate Genius: 866-728-3436
• 自动转帐:844-276-3272
• Tresl, aka IFS (Innovative Funding Services): 866-504-3748

重力借贷:888-602-1125

电话:866-683-5505

Learn More about 机械故障保护(MBP)

汽车的必需品 is a bundled Vehicle Protection Plan (VPP) package of coverages that protects you from normal driving incidents and out-of-pocket expenses that aren't typically covered by insurance policies. 制造商保修或延长保修.

Here are the steps to follow in the event you need to file a VPP claim:

• Look in your loan documents to see who your warranty is through and find the contact sheet to reach out to the warranty company.
• If Nation Safe Drivers is your warranty company, please call 1-888-684-9327 to file a claim.
• For further questions, please contact Elements at 1-800-621-2105.

了解更多关于汽车必需品

折旧保护(DPW) provides protection on your vehicle equity and hedges against depreciation over the life of the loan. 如果发生全损, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to a minimum waiver benefit of $10,000, 或者未偿还贷款余额.

要提出索赔，请致电1-800-621-2105与我们联系.

了解更多关于折旧保护的信息

债的保全 helps relieve the financial stress and worry related to making payments when your life takes an unexpected turn. 你的贷款将被取消而不受罚款, 添加兴趣, or reported as delinquent to the credit bureau should a covered loss occur.

For our Life, Disability, and Involuntary Unemployment program, please contact us at 1-800-621-2105.

了解更多关于债务保护的信息