Customer ReviewsforAdvanced Protection Products International, Inc.

My car was total loss.APPI GAP needed to pay me 5k$.Instead, after months of me sending documents and calling and speaking to different representatives,they canceled my case because I “didn’t provide them all documents in 90 days” since my case was opened. This is a false claim because I’ve been providing every document, some of them more than once whenever they ask. APPI has done an amazing job at ignoring everything and just doing what they needed to make sure they didn’t pay the bill. APPI after asking me asked me provide them additional documents, would review those documents 7 business days instead 2 business days as listed on their website. Each time I contacted them, it was to tell them they always had the documents they were requesting. Each time I’ve had to contact this company they’ve given me a complete run around that would add more time to my case so they could just close it out instead of doing the honest thing and paying the bill, since I already paid the bill when I bought the car. They’ve been extending my case as long as possible for their agenda, so they could legally cancel my case. I understood this early on, and I specifically asked via email “90 business days or calendar?”. They didn’t answer that simple question. They replied “call us”. I called and their representative said “you don’t have to worry about 90 days, there’s no deadline”. Two separate representatives gave me that answer when I asked about the deadline. I asked their representative for an email me confirmation of their words. She’s confirmed she would email. As you can guess, that person emailed me anything. They have all lied to me, they were extremely rude, hanging up the phone while they were talking to me without calling back. I have provided all documents, I have stayed in top of the by calling and asking them to do their job. But, it looks like they worked to slow on purpose so APPI would not be responsible for paying the $5k which I had to pay for when I purchased the car

Hello. Your GAP Addendum is an addendum to the Finance Agreement and is neither insurance nor a warranty. APPI is the Administrator of the addendum, providing services to the Finance Company, but is not a party to either agreement. In this case, our records indicate that the required documents, a list found in the terms of the Addendum, were submitted piecemeal between January 24, 2024, and April 22, 2024. Submitting the required documents piecemeal can delay processing time, unlike submitting all the required documents in a complete and single submission fashion. In addition, it can create an electronic claim status designation (as in the case a denial) that must then be corrected. Once we received all the necessary documents, your benefit request was submitted for review to be processed in the order complete documentation was received. Our records indicate that the benefit review process is complete, and a waiver benefit was authorized on June 6, 2024. We suggest you follow up with your Finance Company to determine how the waiver benefit will be processed and applied to your account. Any balance remaining after the waiver is applied is your responsibility, per the Finance Agreement’s terms.

Absolutely horrible. Do not purchase their service. Had to file a claim and the original status was 20 business days. We're now exceeding 30 business days and counting. Call every week and all I get is "it's in review, we're really backed up" claim started in March it is now June.

Hello. Our records indicate that the Total Loss occurring on November 21, 2023, was not reported to us until on or about February 23, 2024. Between February 25, 2024, and April 17, 2024, documents were submitted to us in a piecemeal fashion. Submitting the required documents piecemeal can create a delay in the processing time versus submitting all the required documents in a complete and single submission fashion. Once all documents were received, we placed the benefit request under review to be processed in the order complete documents were received. As of June 13, 2024, we authorized a waiver benefit. Thank you.

APPI has made a stressful situation even worse. I totaled my jeep in March and had all the documents turned in by 4/22. When I called to check on the status on 5/9, I was told it would be at least another 5 weeks. I have already made 2 payments while paying for a rental car. I cannot keep this up for much longer as I need a car to drive to work. The car accident was stressful and traumatic enough and I’m wanting to move on from it but cannot because of this issue. The dealership I purchased my jeep through had nothing but good things to say about this company and reassured me that I would be taken care of which is why I paid 1000$ for the waiver instead of finding my own coverage.

Hello. Our records indicate that all necessary documents for your waiver benefit request were received by late April. At that time, we placed the benefit request under review to be processed in the order in which complete requests were received. As of June 7, 2024, we have authorized a waiver benefit; we will send an explanation of the benefit to you with additional details. We will advise your finance company to waive the authorized amount. Please allow time for the finance company to process and apply the benefit to your account. Any balance remaining is your responsibility, pursuant to the finance agreement. Thank you.

I used APPI for GAP insurance when I bought my car. Well the car got totaled in January of 2024 and they are still processing my claim I submitted all the documents pretty much immediately and they said normally it takes 30 days but since they are running behind it could be longer we are going on month 4 since I have submitted everything and almost month 5 since I totaled my car. Completly ridiculous that is takes this long to get anything done by them. Sadly I am not going to have to make my new car payment and my old car payment starting May 12th due to how long APPI takes and I am not even sure that it will be done by next month at this rate. If anyone knows what I can do please let me know!!!

Hello. Once we received complete documentation, we worked to process your waiver benefit request in the order it was received. At this time, we have reviewed your waiver benefit request and authorized a waiver benefit. We will advise your Finance Company to waive the authorized amount, and an Explanation of Benefit will be sent to you. Any balance remaining after the waiver is applied is your responsibility per the terms of the finance agreement. Thank you.

After buying gap insurance when I purchased a new vehicle, I thought I would be covered in case of an accident when an actuality API only gave me $5000 worth of coverage. Which left me $8600 owing. How can they get away with not following their contract doesn’t seem legal

Hello. Your GAP Addendum is not an insurance policy; it is an addendum that attaches to and forms a part of your retail installment contract between you and your selling dealer/finance company, we act only as the administrator on their behalf. Your GAP Addendum agrees to waive the Outstanding Balance of your Vehicle, less the Actual Cash Value, as defined by the Addendum, subject to any terms, conditions, limitations, and exclusions. Also, the GAP Addendum only covers up to 150% of the vehicle's retail value on the date of purchase; this is explicitly stated in your GAP Addendum and acknowledged by your signature. In this case, the Vehicle was financed above the 150% maximum coverage. Therefore, when reviewing the waiver benefit, the Outstanding Balance excluded any account balance resulting from the portion of the retail installment contract that was over the 150% maximum limit. The total waiver benefit was calculated according to the Addendum's terms, and any remaining account balance is your responsibility according to the terms of the finance agreement. Thank you.