December 3, 2018 — Model Law

Pricing for add-on products sold by car dealers, such as service contracts, GAP (Guaranteed Asset Protection), and window etching, is not transparent o consistent. Consumers, and even most regulators, lack information about what car buyers are charged for these products and what a reasonable price might be. Dealers decide what to charge each consumer and generally only the dealer, the finance company, and the third party provider of the add-on ever know what other consumers are paying. Consumers have far more resources available to determine a reasonable price for a vehicle than they do for add-ons.