Guide to Auto service contracts

24 5. After the car is repaired (or while it is being repaired or waiting to be repaired), write an appeal letter or email. The letter or email will be based on your notes of the conversations you or the mechanic/ service writer had with the administrator, and your notes of what the mechanic/service writer told you. If you have a VSC, your letter or email should be addressed to the insurance company that guarantees your VSC. If you have an MBI policy, address the letter to the insurance company. In your letter or email, explain why you believe the repair should be covered, and why the exclusions mentioned by the administrator do not apply. Attach copies of all relevant documents. These may include the written estimate or final invoice of the needed repair work from the repair facility, a letter from the mechanic/service writer explaining why the claim should be covered (if such a letter can be obtained), and proof that you have properly maintained your car (if the administrator denied the claim because the car supposedly was not properly maintained). 6. If an insurance company denies your appeal, you may seek assistance from the CDI. Please see the “Talk to Us” section for contact information you can use to file a complaint with the Department. 7. Youmay alsowish to seek assistance fromanattorney, and/ormay choose to file a lawsuit in small claims court against the obligor (if your claim is $10,000 or less).