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Every insurance policy has what is called a claims tail, its like a statue of limitations, I would make the claim without regard to how long ago it was, and a good reason for doing so is that you had no idea that you would need to use gap coverage and you just found out.

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Q: Is there a time frame that you can make a claim on gap insurance?
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Contact your states dept of insurance and they will be able to answer that question for you.

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