Frequently Asked Questions

What’s an “Extended Service Contract”?

An “extended service contract” is designed to pick up where your existing warranty drops off or to fill any gaps in your coverage.

Why do I need a service contract?

Auto repairs are expensive! As vehicle technology becomes increasingly complex even simple repairs add up. Out of pocket for diagnostics, specially trained technicians, and parts can be in the thousands.

How is a CarTection service contract different from my auto insurance policy?

Auto protection is not insurance. An CarTection service contract covers the mechanical parts of your vehicle. Most auto insurance policies do not cover mechanical breakdowns, unless they are the direct result of an auto accident. With an CarTection service contract your engine, transmission, and other vital car parts are protected anytime they break down or malfunction.

How is the $100 or $50 deductible applied?

It is applied per repair visit. This means that regardless of the number of items that need repaired, you will only pay your deductible once per repair visit.

If my vehicle is used/pre-owned, do i qualify for coverage?

Yes, we accept used/pre-owned vehicles as well as new.

Is my service contract transferrable?

Yes, your service contract in transferable.

Can i put more than one vehicle on the same service contract?

No. Each vehicle is different in terms of its mileage, age, overall condition, and repair history, each contract we create is vehicle-specific. This ensures that each of your vehicles receives the right level of protection and the lowest price.

What happens when i need to make a claim?

Use all reasonable means to protect your vehicle from further damage. This may require you to stop your vehicle and call for roadside assistance and arrange for your vehicle to be taken to a licensed repair facility. Describe to them your concerns, and authorize the necessary diagnosis. The repair facility will need to diagnose the concern to determine what component caused the failure.

How do you keep your customers satisfied?

We pride ourselves on taking outstanding care of our customers, and we have a large, knowledgeable customer service staff to do just that. Our representatives are available to answer any questions you may have. Call toll free at 1-800-840-9202

Why do you need so much information from me when I request a quote online?

We ask for the make, model, mileage and age of your vehicle in order to recommend the best possible protection. State regulations vary requiring us to confirm your state.

What and where is my VIN?

Your VIN is your vehicle identification number. The most common VINs contain 17 characters. Ex: 1G1FP22PXS2100001.

Some common places to locate your VIN: On your insurance card, On the driver’s side dash viewable from the windshield, the front of the engine block by raising the hood and looking at the front of the engine, and in the driver’s door jam.

When does my service contract become effective?

To ensure there are no preexisting conditions with any vehicles, the Effective Date is 30 days and 1,000 miles from the purchase date.

Who pays the claims?

Claims are paid by your service contract administrator. You are purchasing the service contract directly from the service contract administrator and any claims should be directed to their claims department. Please keep the service contract company claims phone number provided in your vehicle in the event you need to have repairs done.

Where can I take my vehicle to get repaired?

You can take your vehicle to any licensed repair facility of your choice.

How do I get a rental car?

Your contract has a benefit for rental car assistance for covered failures, you can pay for the rental and submit the bill for reimbursement.

Who is going to pay the shop for the repair and how?

All authorized benefits are paid directly to the repair shop using a direct credit card payment after we receive confirmation of completed repair, and an invoice from the repair facility.

Do you pay for all the parts and all the labor?

Labor times will be verified by one of three nationally recognized labor time guides. Approved replacement parts may not exceed manufacturer’s suggested retail price.

Why do I need maintenance records?

You must keep and make available verifiable service receipts which show that the maintenance has been performed within the time and mileage limits required. Your contract excludes benefits on any damage caused by a lack of recommended maintenance.

Who approves diagnosis and/or teardown on the repair?

You are responsible for authorizing all diagnoses needed to determine if your vehicle has a covered mechanical breakdown. If it is determined that the repair is needed due to a covered breakdown, we will pay for this part of the repair. If the failure is not due to a covered breakdown then you will be responsible for this charge.