Guide to Auto service contracts

28 Some Final Reminders about Automobile Repair Agreements • Obtain a sample of the agreement and read it carefully before deciding to purchase. Make sure the MBI insurer, or the VSCP and backup insurer, are licensed by the CDI. If the backup insurer is a risk retention group, and therefore not licensed by the CDI, understand that the CDI does not regulate the finances and claim handling of risk retention groups as closely as it does insurance companies that are licensed in California. • Understand what the contract covers and does not cover. Read the “what is not covered” or “exclusions” section very carefully. • Compare VSCs with MBI for cost and coverage. • Perform all routine maintenance required by the repair agreement and owner’s manual. Keep a maintenance log and save receipts for all work performed. • Contact the backup insurance company listed in the VSC if you have problems with the VSCP or dealer denying a claim. • File a complaint with the CDI if the backup insurance company does not resolve your complaint.