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Frequently Asked Questions

What is a vehicle service contract?

Why do I need a vehicle service contract?

Do I need a vehicle service contract if I am still covered by the manufacturer’s warranty?

Is there a waiting period before I can use it?

How do I use my service contract?

How are claims paid?

Where can I go to have my vehicle repaired?

Are plans purchased from CarGuardian insured?

Where can I find my VIN?

Why do you need my VIN?

Can I cancel my service contract at any time?


What is a vehicle service contract?

A vehicle service contract, commonly referred to as an extended auto warranty, is just what it sounds like: an extension above and beyond the coverage offered by your manufacturer or dealer. When you purchase a new, and sometimes used vehicle, chances are it came with a protection plan – a guarantee, from the dealer or manufacturer, that your vehicle would stay in a working condition for a given period of time or a certain number of miles. While this protection comes is undoubtedly beneficial, unfortunately, most of the costly breakdowns and repairs happen after the original warranty has run out. That is where a vehicle service contract comes in. By protecting your vehicle early on, you can protect yourself from high repair costs.

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Why do I need a vehicle service contract?

The reality is that even if you have the most reliable and best-manufactured vehicle on the market, someday it is going to break down. And it does not help that modern cars are exceptionally complicated to repair. This means that even a mechanical breakdown or a relatively minor defect can cost a fortune. By buying a coverage plan from insurance-backed company, you protect the investment you made in your car. When something breaks down, you just have to pay the low deductible and let us handle the rest. In many cases, a vehicle service contract can pay for itself in one car repair.

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Do I need a vehicle service contract if I am still covered by the manufacturer’s warranty?

Your vehicle’s original manufacturer warranty will eventually expire over time, but you can protect your vehicle for much longer by purchasing extended coverage. Many of these policies can pay for themselves in one repair, but will continue to protect your car far beyond that. It is cheaper to buy a service contract early in the life of your vehicle. Service contracts begin after the manufacturer’s warranty expire. To get the absolute lowest price, and to avoid interruption in coverage, you should buy an extended coverage early. In this case, the earlier you purchase, the better. The more coverage you have left on the original warranty plan, the less you have to pay for extended protection plan.

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Is there a waiting period before I can use it?

Yes every auto warranty has a waiting period. These are put in place ensure that your vehicle is running properly and that are zero pre-existing conditions exist. Call now to speak with one of our senior coverage specialists to find out how long of a waiting period you would have for your vehicle! Call us at (800) 260-5657 now!!

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How do I use my service contract?

All you have to do is take your vehicle to your dealer or any ASE certified repair facility and give them your Service Contract ID card and they can call the Toll-Free number and start a claim. If your vehicle gets a flat tire, runs out of gas, or breaks down all you have to do is call our Roadside Assistance number and no matter where you are in the United States or Canada, we will dispatch help right away. If the issue with your car can not be repaired on the spot, we will help you get it to a repair shop of your choice.

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How are claims paid?

With all of our Adminstrators, claims are paid up front for ALL covered repairs with a company credit card over the phone. This means that there is no waiting around for reimbursement. We get you back on the road fast!

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Where can I go to have my vehicle repaired?

You have the opportunity to choose anywhere in the nation to repair your vehicle that is a licensed, authorized repair facility. If you move, or are away from home when you need repairs, your vehicle will still be covered. Most of the time with policies from the dealer, your coverage will only be accepted at that location or specified repair shops in your area. This will leave you with the high cost of repairs or pay additional fees because you are not at your regular dealership.

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Are plans purchased from CarGuardian insured?

Our plans are 100% insured by some of the most respected and largest insurance companies in the United States. The insurance providers we work with have been in this business for many years.

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Where can I find my VIN?

Your VIN can be easily found on either the dashboard of your vehicle or conveniently printed on your auto insurance cards.

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Why do you need my VIN?

Your VIN is specifically assigned to your vehicle. We use it to verify that you are indeed the owner of the vehicle and that we are placing coverage on the correct car.

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Can I cancel my service contract at any time?

Every plan we sell comes with a full 30-day unconditional money-back guarantee. Our return policy is simple. We consider your first 30 days a “review period.” Take the time to read through your policy and discuss it with your spouse, family members, or trusted mechanic. We’re confident that you – like so many other Americans – will be happy and satisfied with your coverage. But if you decide – for any reason – that this isn’t for you, simply call our customer service line at (800) 279-1503.

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