Nissan GAP Insurance

No Refund for Service Products?

If you recently traded in or paid off a Nissan vehicle you may be able to claim a refund for some of the cost of your loan. Consumers who took out auto loans through Nissan often do not receive refunds for GAP insurance or prepaid maintenance products when they trade the car in early or pay off the loan.  You can potentially receive a refund or up to three times the amount of your refund depending on the state you live in.

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Frequently Asked Questions

What is this case about?

Dealerships often push consumers to purchase GAP insurance or prepaid warranty or service contracts along with new or used vehicles.  These products are often hundreds or thousands of dollars, so the dealership will allow the consumer to include the product as part of their loan agreement.  Nissan dealerships often offer loans through Nissan Motor Acceptance Company, Nissan’s auto lending business.  This claim alleges that Nissan Motor Acceptance is required to give consumers partial refunds of these products when they trade in their vehicles or pay their loans off early.

Dealerships often push consumers to purchase GAP insurance or prepaid warranty or service contracts along with new or used vehicles.  These products are often hundreds or thousands of dollars, so the dealership will allow the consumer to include the product as part of their loan agreement.  Nissan dealerships often offer loans through Nissan Motor Acceptance Company, Nissan’s auto lending business.  This claim alleges that Nissan Motor Acceptance is required to give consumers partial refunds of these products when they trade in their vehicles or pay their loans off early.

You may be able to file a claim if you took out a loan to purchase a Nissan vehicle and purchased any of the following products: GAP insurance contracts, service contracts or extended warranty agreements.  If you have one of these contracts, it would be listed on the “Retail Installment” contract that you agreed to when you purchased the vehicle.

If the claim is successful, you may be able to recover as compensation part of what you paid for the service product or GAP contract depending on when you traded in the vehicle or paid off the loan.  In some states, you may be able to recover additional amounts up to three times that amount.

The Truth in Lending Act (TILA) is a federal law that governs credit transactions. TILA requires companies extending credit to consumers to make certain disclosures about the interest rate, fees, payment schedule, etc. You can read more about it here. TILA regulates companies that extend consumers credit. If a company does not comply with TILA’s provisions, consumers are entitled to pursue a claim against the company for both statutory and actual damages.

No, this is not a class action lawsuit. Your individual arbitration claim will be decided on its own facts, which is why we ask for more information than is normally required when signing up for a class action settlement.

Arbitration is one way to resolve your disputes with companies other than filing a lawsuit in court. It is a private process that is generally faster and less formal than court. Your claim will be decided by an arbitrator, who is a neutral person chosen by you and the company. We can select an arbitrator for you who is fair and neutral.

Once you sign up, you’ll be asked to sign our attorney-client agreement. That allows us to investigate your private arbitration claim. Then, log in to your secure client portal. All information is strictly privileged and confidential and will only be used for your claim. Answer a few more questions, upload a few documents, and we’ll take it from there. We’ll analyze your claim and your losses, negotiate with the company, and, if necessary, pursue your claim in arbitration.

Our fees will be a percentage of the settlement or recovery we obtain for you. That amount will depend on the rules in the state you live in. We only receive a fee if you win, and you will never owe us any money.