What should I do when my car needs a repair?
Start with the claims number and instructions in your contract. Contact the identified claims administrator before the repair shop begins work because diagnosis or repairs may require prior authorization. The contract also explains eligible repair facilities, records you may need, and any deductible that applies.
Primary source: FTC guide to auto warranties and service contracts
Who decides whether a repair is covered?
The provider or claims administrator identified in the written contract reviews the repair under that contract's terms. Coverage depends on the diagnosed problem, covered components, exclusions, limits, maintenance requirements, authorization rules, and other contract conditions. A website summary cannot approve a claim.
Can I choose the repair shop?
Repair facility rules depend on the contract. Some contracts allow several authorized repair facilities, while others set narrower requirements. Check the contract and call the claims number before authorizing diagnosis or repair work so you understand where service may be performed.
Primary sources: FTC guide to auto warranties and service contracts; Ohio Attorney General guidance on warranties and service contracts
Can maintenance records affect a repair claim?
Yes. A contract may require you to follow the vehicle manufacturer's maintenance schedule and keep records or receipts. Missing required maintenance or documentation can affect a claim when the contract makes those items a condition of coverage. Read the maintenance section and keep your service records.
Primary source: FTC guide to auto warranties and service contracts
Can I cancel a vehicle service contract later?
Cancellation and refund rights depend on the written contract and applicable law. Before buying, review the cancellation window, instructions, possible fees, mileage or claim adjustments, refund method, lienholder interests, and state-specific terms. Follow the contract's stated process if you decide to cancel.
What should I compare before buying a service contract?
Compare the price, deductible, coverage period, mileage limit, covered components, exclusions, claim limits, repair facility rules, maintenance duties, cancellation terms, and company responsible for the contract. Also compare the offer with any warranty or other protection you already have.
Primary sources: FTC guide to auto warranties and service contracts; Ohio Attorney General guidance on warranties and service contracts