Can you cancel JM&A Group?

Yes. JM&A Group contracts are cancellable, and what you get back depends on timing: a prorated refund for the unused portion, with a full refund possible during your contract's free-look window. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.

Contact information

Phone (Fidelity Warranty Services (JM&A) customer service)
1-800-327-5172
Alternate
1-800-722-4603 (GAP claims)
Mailing address
Jim Moran & Associates, Inc.P.O. Box 8566Deerfield Beach, FL 33443

Step-by-step: how to cancel

Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).

Step 2 — Start with the selling dealer. JM&A Group contracts are normally cancelled through the dealership's finance department. Tell them you want to cancel and ask them to submit the request to the administrator. Get the request and date in writing.

Step 3 — Go direct if the dealer stalls. If the dealer drags their feet, contact JM&A Group directly at 1-800-327-5172. Dealers earn commission on these products and sometimes delay cancellations.

Final step — Track the refund. Processing time varies. If financed, refunds may be applied to your lender; for GAP after refinance, request cancellation as of your refinance date.Follow up if it doesn't arrive on schedule.

How much will you get back?

Check your contract's free-look window for full-refund eligibility (see your contract's free-look terms). After that, your refund is prorated by unused term.

As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If financed, refunds may be applied to your lender; for GAP after refinance, request cancellation as of your refinance date.

Provider-specific tips

  • Contact your selling dealer's finance department to cancel JM&A products. Refundable products include vehicle service contracts, prepaid maintenance, tire & wheel, and GAP.
  • If you refinanced, request that your GAP agreement be cancelled as of your refinance date — you may be owed a prorated refund.
  • Cancellations go to the P.O. Box, not the Jim Moran Blvd. head office — 350 Jim Moran Blvd. is corporate, and a cancellation mailed there has to be re-routed. The address printed on JM&A's own Total Loss Protection addenda is P.O. Box 8566, Deerfield Beach, FL 33443.
  • JM&A's addendum gives you an unconditional right to cancel within 30 days for a full refund of the purchase price INCLUDING the finance charges attributable to it — ask for the finance charges explicitly, because a refund of the premium alone is short.
  • The addendum states that your only remedy is to request cancellation in writing, and JM&A's own form says the selling dealer is responsible for all refunds — so send the dealer the request and copy the administrator.

What reduces your refund

  • Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
  • Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.

Common questions

How do I cancel a JM&A product?

Through your selling dealer's finance department. Contract holders can also cancel online via JM&A's Vehicle Coverage Cancellation portal (roadreadyhub.com) or call Fidelity Warranty Services at 1-800-327-5172.

Which JM&A products are refundable?

Vehicle service contracts, prepaid maintenance, tire & wheel, and GAP — each prorated for the unused portion.

Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to JM&A Group. JM&A Group and any related names and logos are the property of their respective owners, and are used here only to identify the company whose product you may want to cancel.

Sources: JM&A Group contact