18. Why is the police report necessary?

Gap is a total loss product so the police report verifies that a total loss has occurred and is a document we are required to collect in order to adjudicate the claim. If your insurance company doesn’t have a copy of your police report than you will have to contact the police department directly. In few cases there is not a police report and then a statement of loss form must be completed and notarized. The statement of loss form can be found here.