You can now file your GAP claims digitally at Wayshield Protect !

Visit the "Claims" section of the website, select "Create Claim", and fill in the required information about the incident, your vehicle, loan, and insurance. Don’t forget to upload any supporting documents like insurance statements or vehicle loan details. Once everything's complete, review and submit your claim.

If you prefer assistance, feel free to call us at 1-800-255-8713 and we will guide you through the process. 

Total loss means the theft of or accidental damage to Covered Vehicle which meets one of the following criteria:

1) Covered Vehicle is declared a Total Loss by Your Physical Damage Insurer,

2) No Physical Damage Insurance exists and Covered Vehicle is stolen and not recovered within thirty (30) days after the date of theft and remains unrecovered at the time of notification of Total Loss to the Program Administrator or

3) No Physical Damage Insurance exists and the total cost to repair Covered Vehicle is greater than or equal to its Cash Value as determined by the Program Administrator using the average retail value for a used vehicle in the NADA Official Guide applicable to Your Unit Type, or its equivalent, based on the best information available on Covered Vehicle’s options, age, and condition. 

If a Covered Vehicle is damaged or stolen and you potentially have suffered a Total Loss, You must contact the Program Administrator at 1-800-255-8713.  If your lienholder is Toyota Motor Credit Corporation please contact 1-800-874-8822.

Date of Total Loss means the date Covered Vehicle is initially damaged or stolen which ultimately results in a Total Loss.

Cash Value¹ means the value of the Vehicle on the Date of Total Loss, prior to its physical damage or theft, as determined by your Physical Damage Insurer, plus any amount subtracted from that value due to pre-existing damage to Covered Vehicle, condition adjustments, and/or the following items if subtracted from the settlement amount: storage charges, towing, recovery fees,salvage payments, and/or other fees and deductions; less your Physical Damage Insurance deductible up to $1,000, if applicable.

If you do not have Physical Damage Insurance or your Physical Damage Insurance has either a stated value or a limit of liability that is less than the value of Covered Vehicle on the Date of Total Loss, or does not cover the Total Loss, the Cash Value¹ is determined by the Program Administrator using the average retail value for a used vehicle in the National Automobile Dealers Association (“NADA”) Official Guide applicable to your Unit Type, or its equivalent, based on the best information available on Covered Vehicle’s options, age, and condition as of the Date of Total Loss, less your Physical Damage Insurance deductible up to $ 1,000, if applicable. 

If we show you that the Physical Damage Insurer failed to pay a fair actual cash value for Covered Vehicle, as determined by the Program Administrator using NADA value or its equivalent at the Date of Total Loss, you may be required to contact the Physical Damage Insurer to request a higher actual cash value and payment.

Click here to review GAP claim required documents.

To withdraw your claim, call us at 1-800-255-8713 and we will walk you through the process. 

The program is administered by Toyota Motor Insurance Services, Inc., (TMIS) whose sole responsibility is to perform the administration of this Agreement.  TMIS may be contacted at 1-800-255-8713 / P.O. Box 650478, Dallas, TX 75265.