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Gap Claim Representative Jobs (NOW HIRING)

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GAP Product Administrator

Irving, TX · On-site

... claim status. * Conduct regular audits of GAP and policy documentation to ensure accuracy and ... The requirements listed represent the minimum knowledge, skills, and abilities necessary to perform ...

Socket.dev

Risk & Claims Manager

Holly, MI · On-site

Active Claim Management & Team Member Advocacy Manages all active workers' compensation claims from ... gap proactively. Work Restriction & Accommodation Tracking Maintains accurate, current records of ...

Fessler & Bowman Inc

Risk & Claims Manager

Holly, MI · On-site

Active Claim Management & Team Member Advocacy Manages all active workers' compensation claims from ... gap proactively. Work Restriction & Accommodation Tracking Maintains accurate, current records of ...

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Gap Claim Representative information

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How much do gap claim representative jobs pay per hour?

As of Sep 11, 2026, the average hourly pay for gap claim representative in the United States is $19.85, according to ZipRecruiter salary data. Most workers in this role earn between $16.83 and $21.63 per hour, depending on experience, location, and employer.

What is a gap claim representative?

Gap Claim Representatives are professionals who handle claims related to Guaranteed Asset Protection (GAP) insurance. GAP insurance covers the difference between the amount owed on a vehicle loan or lease and the actual cash value of the vehicle if it is totaled or stolen. These representatives review documentation, communicate with policyholders, lenders, and insurers, and process claims to ensure accurate and timely settlements. They play a key role in helping customers navigate the claims process and resolve issues efficiently.

What are the key skills and qualifications needed to thrive as a gap claim representative, and why are they important?

To thrive as a Gap Claim Representative, you need a solid understanding of insurance policies, claims processing, and attention to detail, often backed by a high school diploma or relevant experience in insurance or finance. Familiarity with claims management software, CRM systems, and document processing tools is typically required. Strong organizational skills, empathy, and effective communication are crucial for handling sensitive customer inquiries and resolving issues efficiently. These abilities ensure accurate claims handling, regulatory compliance, and high customer satisfaction in a fast-paced insurance environment.

What are some common challenges faced by a gap claim representative, and how can they be addressed?

Gap Claim Representatives often face challenges such as managing a high volume of claims, interpreting complex insurance policies, and ensuring timely, accurate communication with both customers and dealers. To address these challenges, it's important to be highly organized, detail-oriented, and proactive in following up on outstanding documentation. Strong interpersonal skills and the ability to stay calm under pressure can help representatives navigate sensitive conversations and maintain positive relationships with all parties involved.

What is the difference between Gap Claim Representative vs Insurance Claims Adjuster?

AspectGap Claim RepresentativeInsurance Claims Adjuster
Required CredentialsHigh school diploma or equivalent; some roles may prefer insurance licensesHigh school diploma; licensing or certification often required
Work EnvironmentOffice setting, customer service focus, some remote optionsField and office settings, investigating claims on-site or remotely
Employer & Industry UsageInsurance companies, third-party administratorsInsurance companies, public adjusting firms
Common Search & Comparison IntentUnderstanding roles similar to claims processing and customer serviceInvestigating claim adjustments and settlement processes

The Gap Claim Representative primarily handles customer interactions and processes claims related to gaps in coverage or billing. In contrast, the Insurance Claims Adjuster investigates and evaluates insurance claims to determine coverage and settlement amounts. While both roles involve claims processing, the Gap Claim Representative focuses more on customer service and policy gaps, whereas the Claims Adjuster emphasizes claim investigation and assessment.

What are popular job titles related to Gap Claim Representative jobs?

For Gap Claim Representative jobs, the most frequently searched job titles are:

Infographic showing various Gap Claim Representative job openings in the United States as of September 2026, with employment types broken down into 98% Full Time, and 2% Temporary. Highlights an 96% In-person, 2% Hybrid, and 2% Remote job distribution, with an average salary of $41,287 per year, or $19.8 per hour.

Loss Mitigation Level 1 Insurance Specialist

Saginaw, MI • On-site

Gateway Financial Solutions
Finance and Insurance • 51 - 200 employees
Learn more about Gateway Financial Solutionsexternal

Full-time

Re-posted 18 days ago

Key responsibilities

  • Handle insurance claims associated with vehicles financed through GFS, including primary and GAP insurance claims.

  • Ensure each insurance claim is properly opened, verified, followed up on, and documented to secure a fair settlement in a timely manner.

  • Monitor and respond to insurance-related communications, verify claim details, and assist in processing claim procedures and account adjustments.

Job description

Job Description
Notice About This Position This position may not have an immediate opening but we are always accepting applications for future growth opportunities. x Dismiss alert
Are you ready to begin a career that rewards outstanding performance? That will take you as far as your drive and ambition wants to go? Do you want to work for an award-winning business that values high employee satisfaction? Then don't look any further, because you've found just that with Gateway Financial Services.
Who are we?
Gateway Financial Solutions is a Michigan-based sub-prime lender and part of the Garber Automotive Group, which has been family-owned and operated since 1907. We have financed consumer auto loans since 1996 and specialize in auto loans for individuals with limited or challenged credit history. In 2011, we brought our product to the open market, allowing us to partner with exceptional dealerships that share our values. Currently, we have operations in 21 states and are continuing to expand with additional dealer partners, allowing us to provide more customers with greater financing options.
We strive to create a dynamic work environment, where people enjoy coming to work and building their careers. We recognize that the only unique asset a business has is its people, as only the best people make exceptional customer service happen.
Job Description
Team Purpose Statement: The Loss Mitigation team at Gateway Financial Solutions (GFS) aims to mitigate company losses through our commitment to excellence. We adhere to GFS policies and procedures, deliver excellent customer service, and contribute to the company's primary goals, by fostering a culture of support. Our commitment to excellence drives us to be the BEST FINANCE COMPANY IN EVERY MARKET THAT WE SERVE.
Position Description: As an Insurance specialist, you will handle insurance claims associated with vehicles financed through GFS. This includes both primary insurance and Guaranteed Asset Protection (GAP) insurance claims. You will ensure each claim is properly opened, verified, and followed up on, to secure a fair settlement in a timely manner. Collaborating closely with GFS's insurance partner, Allied, and various GAP companies, you will confirm the claim process is completed efficiently, while maximizing the customer's insurance benefits. Verify that monies received from insurance companies are correct and posted accurately to customer's accounts. Finalize and send the release of liens to insurance companies when appropriate. Completion of the GAP calculator to validate the total amount owed by the customer, after proceeds are applied. Confirm the amount that is to be written off due to GAP policy requirements, and make any account adjustments or write-offs that are applicable. Finalize the Deficiency Balance Notice to inform customers how the Primary/GAP proceeds were applied. Additionally, ensure all primary & GAP claim procedures are fully documented, reviewed, and completed.
Level 1 Responsibilities
Provide World Class Customer Service:
  • Be solution oriented and helpful to GFS representatives, dealer partners, insurance providers, vendors, and customers
  • Maintain politeness and professionalism at all times
  • Assist customers in obtaining any missing documentation to advance their claim, using voice, text, and email in LiveVox
  • Achieve compliance and quality call review scores of 90% or better
Monitor GFS Primary/GAP Insurance Outlook Inbox
  • Regularly monitor incoming emails to shared inboxes
  • Maintain organization within shared inboxes
  • Address all emails within 48 hours
  • Note the account properly using the templated note, and set appropriate follow-up date and update relevant account fields
Monitor GFS Insurance Calls, Text Messages, and Emails
  • Answer incoming calls professionally and promptly
  • Reply to all text messages and emails in LiveVox, ensuring all messages have been resolved by end of day
  • Respond to all voicemails within 24 hours
  • Note the account properly using the templated note, and set appropriate follow-up date and update relevant account fields
Review for Vehicle Protection Product (VPP) Coverage
  • Review customer's account and Retail Installment Contract (RIC) to verify GAP claim coverage
  • If the customer has a Vehicle Service Contract, Tire and Wheel, and/or Maintenance coverage, send to VPP Specialist for cancellation
  • If the customer has GAP coverage, send to the GAP Specialist to process the claim
Filing Primary Insurance/GAP Claims
Primary Insurance:
  • Run daily list of new claims
  • Initiate contact with primary insurance companies to start claims, and verify all required documents are provided by the insurance company
  • Upload documentation into Allied CenterPoint (valuation, settlement breakdown, detailed cause of loss letter)
  • Follow up with customers to obtain any missing documentation to advance the claim
  • Note the account properly using the templated note, and set appropriate follow-up date and update relevant account fields

GAP Insurance:
  • Run daily list of new claims
  • Gather all necessary documents to file the GAP insurance claim (estimate, police report, settlement breakdown, valuation, primary insurance cancelation or insurance denial letter, and any other necessary documentation required by GAP company)
  • Initiate contact with GAP company to start claim via phone, email, or online portal
  • Follow up with customer and/or primary insurance company to obtain missing documentation
  • Generate payment history to send with GAP documents
  • Note the account properly using the templated note, and set appropriate follow-up date and update relevant account fields
Follow Up on Open Insurance/GAP Claims
  • Run daily follow-up report
  • Follow up with Allied, customers, insurance companies, GAP companies and other third parties and representatives to ensure claims progress (via phone, email, text, and mail)
  • Review all claim documents to confirm GFS receives the maximum insurance benefit
  • Note the account properly using the templated note, and set appropriate follow-up date and update relevant account fields
Repo Plus Claims
  • Responsible for sorting and filtering list from Allied
  • Updating information in the insurance tab with Repo Plus claims, open dates, and closed dates
Other Responsibilities
  • Assist with other duties and projects as business needs arise
Requirements
  • A high school diploma or equivalent
  • Excellent interpersonal skills including: active listening, empathy, inquisitiveness, and patience
  • Strong written and verbal communication skills, with a willingness to learn
  • Ability to work independently, and as part of a team
  • Strong relationship-building skills
  • Solution-oriented mindset
  • Proficiency of Microsoft Office (Word and Excel)
  • Well organized, detail oriented, and adaptive to change
  • Ability to multi-task and maintain attention to detail
  • Proficiency in computer & typing skills
  • Strong phone skills
  • Basic math skills
  • Open to giving and receiving constructive feedback

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