Question 1

What does a vehicle service contract cover?

Accepted Answer

Coverage depends on the plan selected, the vehicle, mileage, term, and provider. Plans may include protection for major systems such as the engine, transmission, drive axle, electrical components, air conditioning, heating, steering, suspension, brakes, cooling system, and selected technology features. Higher-level plans usually cover more parts, while basic plans focus mainly on powertrain protection.

Question 2

Can I use my own repair shop?

Accepted Answer

Many vehicle service contracts allow customers to use any licensed repair facility, dealership, or qualified mechanic. The exact repair facility rules depend on the provider and contract selected.

Question 3

Is roadside assistance included?

Accepted Answer

Roadside assistance is included on many plans — typically covering towing, lockout service, jump-starts, flat-tire help, and fluid delivery. Coverage limits depend on the plan you select.

Question 4

Are exotic and luxury vehicles eligible?

Accepted Answer

Yes. We offer dedicated coverage tiers for luxury and exotic vehicles including BMW, Mercedes-Benz, Audi, Porsche, Lexus, and more — built for the higher repair costs of premium components.

Question 5

What is excluded from coverage?

Accepted Answer

Vehicle service contracts generally do not cover routine maintenance, wear items (brake pads, wiper blades, tires), pre-existing conditions, cosmetic damage, or damage caused by neglect, misuse, or accidents. Always review the specific contract for full exclusions.

Question 6

Can I make monthly payments on coverage?

Accepted Answer

Yes — monthly payment options are available on most plans. Terms vary by provider and plan selected.

Question 7

How do I file a claim?

Accepted Answer

Take your vehicle to a licensed repair facility. The shop contacts the contract administrator before repairs begin. Once the covered repair is authorized, the administrator typically pays the shop directly, minus your deductible.

Question 8

Is there a waiting period?

Accepted Answer

Most vehicle service contracts include a short waiting period (often around 30 days and a set number of miles) before coverage becomes active. This prevents claims for pre-existing issues.

Frequently Asked Questions

Vehicle Protection FAQ