| 1. |
What is the "Original Manufacturer's Warranty"?
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The Original Manufacturer's Warranty' is the initial warranty period provided by the vehicle manufacturer. This is usually a three year/36,000 mile comprehensive warranty, though some manufacturers have longer periods and/or mileage limits. In addition, some components of the vehicle might have longer warranty periods.
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| 2. |
Is an extended service contract an insurance policy?
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No. An extended service contract is a contract that provides payment for repair and/or replacement of covered parts, including labor.
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| 3. |
What is In-Service date?
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The In-Service date is the date when you take possession of your car from a dealer. This starts the clock ticking on your manufacturer's warranty period.
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| 4. |
Where can I take my vehicle for repairs?
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Any licensed repair facility. The repair facility merely contacts the claims administrator to arrange for payment.
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| 5. |
What is the procedure if I have a claim on my vehicle?
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The process is simple. Take your vehicle into any licensed facility. Ask the repair facility to contact the contract administrator. You DO NOT need to pay first and then be reimbursed. The only amount you will be responsible for is the deductible.
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| 6. |
How does the deductible work?
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A deductible is the amount you pay for any covered repair. For instance, if your deductible is $100, and a repair is $500, then you would pay the first $100 and your extended service contract would cover the remaining $400.
The most important question really is "Which deductible is right for me?" This is a question that needs to be asked and answered BEFORE you buy your service contract. The deductible has an impact on your premium, but also represents the amount your budget can handle in the event of a repair. A service contract specialist will help you select the right deductible for you.
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| 7. |
I want to enroll my vehicle online. How can I be assured that it is completely safe to use my credit card?
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The web site is secured, using Secure Sockets Layer (SSL) encryption, which ensures that your account numbers and personal data are always encrypted when sent over the Internet. (You will always know that SSL is in use when you see httpsS instead of https in the URL address.) |
| 8. |
I have not had any problems with my vehicle so far. Do I really need an Extended Service Contract?
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This is like saying "I never get sick, do I need health insurance?" While an extended service contract is not an insurance product, there are parallels. Just as the cost of health care is always rising, so is the cost of repairing a vehicle. You don't want a surprise medical bill in the thousands, and you certainly don't want a surprise repair bill in the thousands.
Also, just like health insurance, the right time to get an extended service contract is before your car is "sick". You won't be able to buy an extended service contract for a car that isn't in good working condition.
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| 9. |
Why buy it now? I'm still covered by the manufacturer?
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First, let's be sure you are talking about the "comprehensive" manufacturer's warranty. If not, then you are likely only covered for items such as the power train. In this case, an extended service contract will provide you with far more coverage and far more protection from unexpected repair bills.
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| 10. |
If my vehicle is out of the manufacturer's warranty, can I still get coverage?
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Yes. The best and only time to get an extended service contract is BEFORE anything goes wrong with your vehicle.
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| 11. |
Do I have to go back to my original dealer for repairs?
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No. You can go to any licensed repair facility. The repair facility merely contacts the claims administrator to arrange for payment.
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| 12. |
Where is my Vehicle Identification Number (VIN)?
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The VIN is visible in several places on your car. The most common and easily accessible are on the dashboard on the driver's side of the vehicle. You can see the VIN through the bottom of the windshield from the outside of the vehicle.
You can also find the VIN inside the driver's door frame on most vehicles.
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| 13. |
What if I sell my car? Is my service contract transferable?
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Yes. A service contract is transferable. While the existence of a service contrat will not impact the "blue book" price of a car, potential buyers of your car will certainly feel far more comfortable buying your car if it has an extended service contract. A warranty may not increase the resale price, but it may sway a buyer to purchase your car instead of another car which is not covered.
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| 14. |
Is my warranty Renewable?
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Yes. Be sure to contact us before your current plan expires so we can assure you of uninterrupted coverage.
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| 15. |
Do you offer coverage on Salvage or junk titles, rebuilt vehicles or vehicles damaged by a flood?
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Our program is not available on vehicles with salvage or junk title, flood title, rebuilt or reconstructed title, or on vehicles where the odometer has been tampered with, or on vehicles that have been declared "a lemon".
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The BEST time to buy an extended service contract (in fact the only time) is BEFORE ANYTHING HAPPENS!
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