Guaranteed Auto Protection

GAP keeps you covered.

Whether you are leasing or financing, GAP can help protect you from coming out of pocket to pay expenses you may face with a total loss.1

Total Loss Protection
If your car is declared a total loss through theft, fire, or accident and you still owe more on your finance or lease contract, GAP may lessen or even eliminate your remaining balance.2
Deductible Coverage
GAP will cover up to $1,000 of your auto insurance deductible (if applicable) in most states.3

Available Only at Time of Financing

GAP is only available in the dealership when you purchase or lease your vehicle.

How it Works

Qualifying Criteria4

Available only at the time of vehicle lease or purchase.

GAP must be the same term as the finance or lease contract, up to the maximum term available.


Limits apply. Please refer to your GAP agreement for details upon purchase.


Only transferable with the reassignment of the original finance or lease contract. The new owner will take over your original finance or lease contract.


You can cancel your GAP within 30 days of purchase for a full refund. Unless a claim has been submitted, or unless otherwise required by state law. For beyond 30 day cancellations or state specifications, please ask your dealer or refer to your agreement upon purchase. You cannot reinstate your GAP after cancellation.

Filing a Claim

Once you have purchased your VSA you can access your coverage in a few simple steps!

Step 1

BEFORE having any covered repairs made, you or your dealer repair facility must contact TFS at 1-800-228-8559

Monday - Friday 7am - 7pm Central Time
Saturday 8am - 1pm Central Time

If your vehicle becomes inoperable outside of our business hours, you may proceed with necessary repairs, but please note that all other terms and conditions on your VSA Agreement will apply. It is your responsibility to contact TFS at the number listed on the next available business day for claim authorization.

TIP Store the TFS phone number in your phone so it's easier to get claim authorization when needed.

Step 2

Present your Vehicle Service Agreement to your repair facility/dealer when requesting repairs on your vehicle.

Step 3

Make sure to save any receipts throughout your vehicle repair process, including lodging or dining receipts. Please refer to your Agreement for valid repairs and expenses. Should you need to seek reimbursement from TFS, you will need to mail receipts to:

Toyota Financial Services
PO Box 9550
Cedar Rapids, IA 52409-9550

Please allow 30 days for reimbursements.

Step 4

Upon completion of covered repairs, anticipate to pay your deductible (if applicable), plus any charges for non-covered repairs or services.

TIP Keep a file with your repair orders, copy of receipts and all other service-related documents for future reference.

Make an Inquiry


Riverhead Toyota

1655 Route 58 (Old Country Road)
Directions Riverhead, NY 11901

  • Sales: 631-818-2820
  • Service: 631-832-4903
  • Parts: 631-801-4701


  • Monday - Friday 9:00AM-8:00PM
  • Saturday 9:00AM-6:00PM
  • Sunday 11:00AM-4:00PM