If your vehicle is not protected by a primary carrier; the retail or Actual Cash Value (ACV) of the vehicle will be determined by the date of loss, and the loss odometer and by using the value listed in the national or regional guide, such as JD Power National Automobile Dealer Association (NADA). Or, at the GAP Administrator’s discretion, the GAP Administrator may use an equivalent national or regional guide for the territory in which the loss vehicle is principally garaged
