Guide to Auto service contracts

25 Why Isn’t My Car Ready ? It is always frustrating to be without your car while waiting for auto repairs to be authorized or completed. Sometimes obligors or their claim administrators take several days to inspect a car to see if a repair is covered by a repair agreement. When there is no reasonable explanation for the delay, you may be tempted to go ahead and have your vehicle repaired without gaining prior authorization. If you do this, the obligor or claim administrator may try to deny your claim. Consumers experiencing unreasonable delays from a VSCP or administrator should contact the backup insurance company listed on the VSC. If the issue is still not resolved, contact the CDI for further assistance. Do the same if you experience delay with a claim filed under an MBI policy. Refer to the “Talk to Us” section in this guide. Once you have received authorization for your claim, you may still experience delays at the repair shop. If your car is being repaired and it is taking weeks or months to complete the repairs, and you think the delay is the fault of the repair facility, or you believe the repairs have been done improperly, you can contact the California Bureau of Automotive Repair (BAR). Please see contact information for BAR in the “Resources” section of this Guide. The Bureau of Automotive Repair is the California government agency that licenses and regulates automobile repair shops, including those repair shops operated by auto dealers. M ost VSCs and MBI policies provide a rental car benefit to help pay for the cost of a rental car while your regular car is in the shop. Read your repair agreement to see what rental car benefit, if any, is available to you.