Guide to Auto service contracts

Table of Contents Types of Repair Agreements ........................................................5 Consumer Alert ....................................................................................6 Vehicle Service Contracts issued by “ Vehicle Service Contract Providers”.. .7 VSCs issued by Dealers (Dealer-Obligor VSCs) ..............9 Mechanical Breakdown Insurance . ........................................ 10 Important Terms...........................................................11 The Obligor .......................................................................................11 The Price ..........................................................................................12 The Duration ...................................................................................... 12 What is covered ............................................................................... 12 What is not covered ........................................................................14 Wear and tear ......................................................... 16 Routine Maintenance ............................................... 17 What you need to Do if there is a Claim ..............................18 The Backup Insurance Company ...........................................19 What About New Car Warranties? ......................................... 20 Where to Buy, How to Buy and How Much to Pay ........ 21 What Should I Do if my Claim is Denied ..............................22 Why Isn’t My Car Ready? ........................................................... 25 Used Car Vehicle Service Contracts ......................................26 Can I Cancel a Vehicle Service Contract ............................ 27 Some Final Reminders about Automobile Repair Agreements .......28 Resources ........................................................................................... 29 Highlights in Spanish ..................................................................... 30 Talk to the Department of Insurance . .................................... 31