dodatek - umowa o zwolnienie (dłużnika przez wierzyciela) z długu w przypadku szkody całkowitej
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Yes, I elect the Deficiency Waiver Addendum
I understand that in the event my vehicle is a total loss, and the actual cash value amount or any applicable third party insurance settlement is not sufficient to pay off my net loan balance, resulting in a deficiency balance or a GAP, my Lender will waive the GAP subject to the terms and conditions of this agreement. I
understand that this GAP waiver is NOT a policy of insurance.
http://californiaautofinance.net/wp-content/uploads/2013/05/...

GAP waiver is a type of guaranteed auto protection. The waiver part of GAP waiver is the direct arrangement or agreement between borrower and finance company. GAP waiver is designed to protect a borrower from a large unexpected unscheduled immediately due monetary amount demanded by finance company after the total loss of a vehicle where such vehicle has an outstanding financial obligation. In other words; you have a serious accident, the appraiser deems it cost effective to replace rather than repair your vehicle, and they determine actual cash value ("ACV") on such replacement minus deductible (“DED” if applicable) to be less than what is owed to finance company by you the borrower. Finance companies refer to this as the loan or lease deficiency. This deficiency is immediately due from you upon demand of the finance company unless you purchased GAP waiver (or GAP insurance). GAP waiver is direct deficiency or debt forgiveness by finance company.
https://en.wikipedia.org/wiki/GAP_waiver

A deficiency balance on a repossession occurs after a credit agency seizes the property and sells it at a private sale or auction. The lender subtracts the sales price from the loan balance to calculate the deficiency balance, if any. Repossession of automobiles often leads to deficiency balances because cars lose value so quickly. For example, a car owner with an automobile worth $10,000 may owe $14,000 on the car at the time of the repossession. That could result in a deficiency balance of $4,000 or even more, depending on what the car sells for at auction. Settling a deficiency balance is a straightforward process but may require extensive negotiation.
http://www.ehow.com/how_10063531_settle-deficiency-balance-r...

http://www.rp.pl/artykul/136927-Jak-zapewnic-pelniejsze-odsz...
https://www.renault.pl/uslugi-i-serwis/uslugi-finansowe/ubez...

KC
Art. 508. Zobowiązanie wygasa, gdy wierzyciel zwalnia dłużnika z długu, a dłużnik zwolnienie przyjmuje.
http://prawo.money.pl/kodeks/cywilny/tytul-viii-potracenie-o...

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Note added at 1 hr (2016-07-19 14:24:55 GMT)
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A gap waiver is an agreement whereby the creditor or lessor agrees to waive the debtor’s or lessee’s obligation for the difference between the gap amount and the actual cash value of the property.
http://www.dfs.ny.gov/insurance/ogco2008/rg080320.htm

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Note added at 1 hr (2016-07-19 14:26:45 GMT)
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Guaranteed Auto Protection (GAP) is a Loan Deficiency Waiver designed to eliminate your unpaid net loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). The GAP waiver fills the financial GAP that may exist between the market value of your vehicle and the amount you still owe on it.
http://www.stdregfcu.org/ASP/Products/product_6_4.asp

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Note added at 2 hrs (2016-07-19 14:57:14 GMT)
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W przypadku szkody całkowitej (np. kradzież, pożar, całkowite zniszczenie) powstaje różnica pomiędzy wartością (rynkową/rozliczeniową pojazdu) a zobowiązaniem leasingowym/kredytowym. Oczywiście najczęściej ubezpieczyciel pokrywa zasadniczą część kwoty, np. przez wypłatę z polisy z tytułu szkody całkowitej. Pozostaje jednak różnica. W "deficiency waiver" chodzi o to, że wierzyciel rezygnuje z dochodzenia tej części długu (powstałej różnicy), której nie można pokryć z ubezpieczenia/rozliczenia szkody całkowitej. Innymi słowy, zwalnia dłużnika z pozostałego długu.