6000061514 2015-06-29T13:28:47-06:00 General questions and answers 6000108201 false General FAQ 1 2015-07-06T17:51:29-06:00 1 1 2015-06-29T14:46:47-06:00 0 0 Yes. American Auto Shield is here to serve you 24/7: Register in Manage MyAutoShield for quick access to your coverage, claim status, or cancellation status. To register, you’ll simply need your Vehicle Service Contract Number and a valid email address. This feature is Coming Soon! Visit our Support Center for solutions or response from a TeamAutoShield Representative. Browse FAQ for answers to some of the questions we receive most frequently, or utilize our Support Ticket System for online service and response. <p> <font size="3">Yes. American Auto Shield is here to serve you 24/7:<br></font></p> <font size="3"> </font><p><font size="3"><br></font></p> <font size="3"> </font><ul><li> <font size="3">Register in Manage MyAutoShield for quick access to your coverage, claim status, or cancellation status. To register, you’ll simply need your Vehicle Service Contract Number and a valid email address. <b>This feature is Coming Soon!</b><br></font> </li></ul> <font size="3"> </font><ul><li><font size="3">Visit our Support Center for solutions or response from a TeamAutoShield Representative. Browse FAQ for answers to some of the questions we receive most frequently, or utilize our <a href="http://support.americanautoshield.com/support/tickets/new" target="_blank">Support Ticket</a> System for online service and response.</font></li></ul> <p></p> 6000108201 54 6000017538 2015-10-15T14:57:12-06:00 6001199739 1 2 0 0 Can I receive help online? 2015-06-29T14:46:47-06:00 6001199739 1 2015-06-29T14:47:50-06:00 0 1 Vehicle Service Contracts are designed to protect consumers and their pocketbooks against unexpected, costly repairs to their vehicles. Plans cover the costs associated with auto repair, including parts, labor, and sales tax, for covered repairs or replacements. Vehicle Service Contracts have different coverage levels and benefits, depending on the type of contract purchased and the place of purchase; therefore coverage for any given repair is based on the terms and conditions of the consumer’s particular plan. Much like a manufacturer’s warranty, the vehicle components that are specified for coverage in the Vehicle Service Contract should be covered entirely, provided regular maintenance has been properly and regularly performed as defined by the terms and conditions of the contract. <p><font size="3">Vehicle Service Contracts are designed to protect consumers and their pocketbooks against unexpected, costly repairs to their vehicles. Plans cover the costs associated with auto repair, including parts, labor, and sales tax, for covered repairs or replacements. Vehicle Service Contracts have different coverage levels and benefits, depending on the type of contract purchased and the place of purchase; therefore coverage for any given repair is based on the terms and conditions of the consumer’s particular plan. Much like a manufacturer’s warranty, the vehicle components that are specified for coverage in the Vehicle Service Contract should be covered entirely, provided regular maintenance has been properly and regularly performed as defined by the terms and conditions of the contract. </font><br></p> 6000108201 55 6000017539 2015-10-15T14:57:41-06:00 6001199739 2 2 0 1 What is a vehicle service contract? 2015-06-29T14:47:50-06:00 6001199739 1 2015-06-29T14:48:19-06:00 0 1 An “Extended Auto Warranty” is a contract offered by a new car dealer to wrap the new car Factory Warranty and extend beyond it. A Vehicle Service Contract is sometimes incorrectly referred to as an “Extended Auto Warranty” or “Extended Warranty” if sold outside of a new vehicle purchase. The difference is subtle but important: Extended Auto Warranties are offered by car dealers. Auto Warranties are provided by a manufacturer and are included with the original vehicle purchase. In contrast, Vehicle Service Contracts must be purchased separately and can be purchased at any time; although the earlier you purchase a Vehicle Service Contract in the life of the vehicle, the better coverage you can usually obtain. <p><font size="3">An “Extended Auto Warranty” is a contract offered by a new car dealer to wrap the new car Factory Warranty and extend beyond it. A Vehicle Service Contract is sometimes incorrectly referred to as an “Extended Auto Warranty” or “Extended Warranty” if sold outside of a new vehicle purchase. The difference is subtle but important: Extended Auto Warranties are offered by car dealers. Auto Warranties are provided by a manufacturer and are included with the original vehicle purchase. In contrast, Vehicle Service Contracts must be purchased separately and can be purchased at any time; although the earlier you purchase a Vehicle Service Contract in the life of the vehicle, the better coverage you can usually obtain.</font></p> 6000108201 46 6000017540 2015-10-15T14:58:01-06:00 6001199739 3 2 0 1 What is an extended auto warranty? 2015-06-29T14:48:19-06:00 6001199739 1 2015-06-29T14:49:00-06:00 0 2 Auto Warranties come with the product and are included in the purchase price. Vehicle Service Contracts, on the other hand, are agreements that are separate from the contract or sale of the product. They are separate either because they are made some time after the sale of the product, or because they cost the customer a fee beyond the purchase price of the product. <p><font size="3">Auto Warranties come with the product and are included in the purchase price. Vehicle Service Contracts, on the other hand, are agreements that are separate from the contract or sale of the product. They are separate either because they are made some time after the sale of the product, or because they cost the customer a fee beyond the purchase price of the product. </font><br></p> 6000108201 42 6000017541 2015-10-15T14:58:24-06:00 6001199739 4 2 0 2 What is the difference between an auto warranty and a vehicle service contract? 2015-06-29T14:49:00-06:00 6001199739 1 2015-06-29T14:50:04-06:00 1 0 No. Vehicle Service Contracts are normally not affiliated with the auto manufacturers in any way. They are typically administered by a third party and are backed by an insurance company <p><font size="3">No. Vehicle Service Contracts are normally not affiliated with the auto manufacturers in any way. They are typically administered by a third party and are backed by an insurance company</font></p> 6000108201 26 6000017542 2015-10-15T14:58:44-06:00 5 2 1 0 Are auto manufacturers involved with the creation and sale of vehicle service contracts? 2015-06-29T14:50:04-06:00 6001199739 1 2015-07-02T12:00:44-06:00 0 2 Vehicle Service Contract and Automotive Aftermarket Terminology American Auto Shield wants to make sure you understand everything about your American Auto Shield Vehicle Service Contract coverage, including common terms used in the automotive aftermarket industry. What’s the automotive aftermarket industry? Find out in our list of common terms. Administrator / Claims Administrator The company that is contractually obligated to perform under the Vehicle Service Contract; they will authorize and pay the repair facility for covered repairs to your vehicle. The claims administrator works with the repair facility to make sure your claim is handled properly. Because they are the company that pays your claim, their financial strength is an important factor in choosing a reliable company. A.M. Best Company A worldwide insurance-rating and information agency founded in 1899. Policyholders and depositors refer to Best’s ratings and analysis as a means of assessing a company’s financial strength and stability. An A rating (A+, A, A-) is the highest A.M. Best rating an insurance company can receive. Authorization The approval provided by a claims administrator to permit repairs to be performed under the terms of the Vehicle Service Contract. Authorization Number The approval number assigned by a claims administrator indicating repairs are permitted under the terms of the Vehicle Service Contract. Auto Warranty The standard warranty that every new vehicle sold comes with. All factory-installed parts are covered against defects. Typical manufacturer warranties are 3 years or 36,000 miles or 4 years or 50,000 miles. Check your vehicle’s manufacturer’s warranty manual for specific information. Also called Manufacturer’s Auto Warranty or Factory Warranty. Basic Warranty The specific terms established by each manufacturer to repair vehicles through a specified mileage and/or time period. All factory-installed and many dealer-installed parts are covered under this warranty. Better Business Bureau (BBB) A reputable source that consumers can use to research a company’s background and profile. In order to participate in the Accredited Business Program, a company must agree to abide by the Better Business Bureau Code of Business Practices, have a satisfactory complaint handling record, agree to participate in the BBB’s advertising self-regulation program, and agree to dispute resolution with the BBB. Most of the companies who participate in these programs value their standing with the BBB and strive to handle complaints as professionally and expeditiously as possible. You can look up a company’s Better Business Bureau report and rating by visiting www.bbb.org. BBB Rating BBB ratings represent the Better Business Bureau's opinion of the business. The BBB rating is based on BBB file information about the business. The BBB assigns letter grades from A+ (highest) to F (lowest). In some cases, the BBB will not grade the business (indicated by an NR, or "No Rating”) for reasons that include insufficient information about a business or ongoing review/update of the company’s file. BBB Business Reviews generally explain the most significant factors that raised or lowered a company’s grade and are based on information in BBB files with respect to the following factors: Company’s complaint history with the BBB Type of business Time in business Background information on business in BBB files Failure to honor commitments to the BBB Licensing and government actions known to the BBB Advertising issues known to the BBB Certified Car Many cars sold used or off lease are certified by the manufacturer. This means they have undergone a quality inspection process prior to sale. Often, a limited powertrain warranty is attached to them. Most do not have exclusionary coverage. There is no industry standard for certification. Dealers and/or manufacturers often add a significant cost to certified vehicles. Claims Reserve Account An insured account that the claims administrator will maintain to pay future claims. Commercial Use Any automobile used for business purposes. Tow trucks, taxis, police vehicles and vehicles used for emergency purposes are normally excluded from Vehicle Service Contract coverage. Consumable Items Parts such as tires, batteries, clutch plates and wiper blades that are generally not covered under any warranty or Vehicle Service Contract. Corrosion Warranty Covers rust through perforation on sheet metal and is offered as original warranty on new vehicles. Vehicle Service Contracts do not cover corrosion. Covered Part Any part of the vehicle listed in the service contract as a covered part and not excluded from coverage by the Vehicle Service Contract. Deductible The amount you pay the repair facility for work once the vehicle is repaired. Vehicle Service Contracts are typically offered with different deductible options ($100, $50 or zero). Find out how the deductible is applied. Better Vehicle Service Contracts will apply the deductible on a per repair visit basis. Beware of those that apply the deductible on a per part basis. Diagnostics The effort by the repair facility to determine the cause of the vehicle’s problem, and to determine the necessary course of repair. Most contracts typically do not cover diagnostics, unless the diagnostics lead to the repair of a covered component. Dun & Bradstreet (D&B) A trusted third party source that thousands use every day to determine the credibility and legitimacy of a company. You can look up a company’s D&B report by visiting www.dnb.com. Drive Train The components that transmit the flow of power from the engine to the wheels. The components include the clutch, transmission, drive shafts (or axle shafts in front wheel drive), U-joints and differential. Drivetrain Warranty A limited warranty from the manufacturer that covers certain parts of your vehicle’s engine, transmission and drive train assembly. If any of these components fail while the vehicle is covered under the warranty, the manufacturer is responsible for the repair. These warranties cover about 25% of the vehicle, and some of the most expensive parts of a vehicle. Also called Powertrain Warranty. Emissions Warranty The Federal Emissions Warranty guidelines are based on federal regulations and apply to vehicles in all 50 states. Vehicles are covered by two types of emissions control system warranties, “Emission Defect Warranty” and “Emissions Performance Warranty.” Depending on the state you live in, the Performance Warranty is for 3 years/50,000 miles. The Defect Warranty is generally consistent with the manufacturer’s bumper to bumper warranty with certain parts (catalytic converter and electronic emissions controls (PCM)) for up to 8 years/80,000 miles. Please refer to your vehicle’s owner’s manual for your exact coverage. Extended Auto Warranty A Vehicle Service Contract is often incorrectly referred to as an “Extended Auto Warranty”, although as defined by federal law, only a manufacturer can offer a warranty – extended or otherwise, and they are usually offered through dealerships. Exclusionary Coverage Exclusionary coverage offers coverage for all of the parts and components of the covered vehicle, with the exception of those parts and components specifically listed in the contract as “not covered”. Exclusionary coverage is the most comprehensive Vehicle Service Contract coverage you can purchase. Sometimes referred to as Bumper to Bumper coverage. Gray Market Vehicle A vehicle not manufactured for sale in the U.S. They often do not meet U.S. standards and carry no manufacturer warranty. These vehicles are typically ineligible for Vehicle Service Contract coverage. Inclusionary Coverage A coverage plan that lists the parts that are covered by the Vehicle Service Contract. If the component or part is not listed, then it is not covered. Also called Named Component Coverage. In-Service Date The date the vehicle was purchased by the original owner and driven off the lot or the date the vehicle was placed in use for rental, demonstration or other purposes. Insurer The insurance company that guarantees the obligations and responsibilities of the Vehicle Service Contract provider and/or claims administrator. Lemon Law Vehicle A vehicle with (a) major, repeated problem(s) that has been repurchased by, or had its purchase price renegotiated with, the manufacturer. The state then earmarks these as Lemon Law or Buyback vehicles. These vehicles are ineligible for Vehicle Service Contract coverage. Limited Product Warranty A warranty with certain conditions and limitations on the parts covered, type of damage covered, and/or time period for which the agreement is good. Lubricated Part Any part that requires lubrication to perform its function. Maintenance Guidelines The normal, routine maintenance that is recommended by the manufacturer of your vehicle to keep your vehicle in optimum condition. These include such things as oil changes, tune-ups, checking fluid levels, tire rotations, wheel alignments, belts, hoses and others as described in your owner’s manual. All Vehicle Service Contracts require that you properly maintain your vehicle. Manufacturer’s Auto Warranty / Factory Warranty The standard warranty that every new vehicle sold comes with. All factory-installed parts are covered against defects. Typical manufacturer warranties are 3 years or 36,000 miles or 4 years or 50,000 miles. Check your owner’s manual for specific warranty information. Mechanical Breakdown The act or process of failing to function or continue. Named Component Coverage A coverage plan that lists the parts that are covered by the Vehicle Service Contract. If the component or part is not listed, then it is not covered. Also called Inclusionary Coverage. Payment Plan Company The company that provides and handles payment plans for the purchase of your Vehicle Service Contract. Powertrain Warranty A limited warranty from the manufacturer that covers certain parts of your vehicle’s engine, transmission and drive train assembly. If any of these components fail while the vehicle is covered under the warranty, the manufacturer is responsible for the repair. These warranties cover about 25% of the vehicle, and some of the most expensive parts of the vehicle. Also called Drivetrain Warranty. Rebuilt Title A title issued on a vehicle where an insurance company has declared the vehicle a total loss. These vehicles were typically involved in a flood or severe accident. These vehicles are not eligible for Vehicle Service Contract coverage. Also called a Salvage Title. Recall When a manufacturer recalls vehicles it has manufactured back to the dealership for specific repairs related to unplanned mechanical problems and/or safety issues. Recalls are usually voluntary and are made in conjunction with regulatory control of the National Highway Traffic Safety Agency (NHTSA). They can originate with the manufacturer or with the NHTSA. Repairs performed under a recall are usually free to the consumer. Repair Facility A licensed automotive repair shop located in the United States or Canada. This includes dealerships, local mechanics or national repair facilities. Salvage Title A title issued on a vehicle where an insurance company has declared the vehicle a total loss. These vehicles were typically involved in a flood or severe accident. These vehicles are not eligible for Vehicle Service Contract coverage. Also called a Rebuilt Title. Selling Company A company that sells Vehicle Service Contracts or other automotive aftermarket products. Selling companies can range from dealers and direct marketing companies to membership organizations and financial institutions. Service Contract Industry Council (SCIC) The Service Contract Industry Council (SCIC) is a national trade association that works with lawmakers across the country to develop fair and uniform regulation to protect consumers, and is an advocate for the regulation of the service contract industry. The SCIC monitors state legislative and regulatory activities, contributes to relevant legislative and administrative proceedings, and educates businesses and consumers about the value and benefits of service contracts. Since 1988, the SCIC has been the national leader and pivotal force in the development of model legislation throughout the country, working for balanced standards that create fair and consistent regulation of the service contract industry. Technical Service Bulletin (TSB) This bulletin is produced by the vehicle manufacturer and alerts automotive technicians about specific service problem areas, repair procedures, and new service techniques for a vehicle. Thousands of these are issued each year. Transferability A vehicle owner with Vehicle Service Contract coverage can transfer the coverage to the new owner of the vehicle if it is sold privately. A Vehicle Service Contract cannot be transferred to a dealer or auction house. Vehicle Identification Number (VIN) A unique 17-digit identifier of your vehicle. The most common areas the VIN can be found are: On the driver’s side dashboard of your car On your insurance card On the title to your vehicle On the vehicle’s registration card On a sticker inside the driver’s side door Vehicle Protection Association (VPA) The mission of the Vehicle Protection Association (VPA) is to promote regulatory transparency, education and accountability, and compliance and stability for marketing and servicing of Vehicle Service Contracts. The VPA is a not-for-profit trade association representing firms that are active in the automotive service contract industry. Members include service contract marketers, administrators, payment processing companies, insurers, and software providers.   Vehicle Service Contract (VSC) An agreement between a consumer and the service contract provider to pay for the cost of repair or replacement of covered mechanical parts or systems that fail. In short, it is a promise to perform certain services for the consumer and to pay for covered repairs to the vehicle under the terms of the Vehicle Service Contract. Waiting Period A period in which no benefits will be paid if failure occurs within the specified time frame.   <h2><span style="color: rgb(128, 128, 128);"><b>Vehicle Service Contract and Automotive Aftermarket Terminology</b></span></h2> <p><font size="3">American Auto Shield wants to make sure you understand everything about your American Auto Shield Vehicle Service Contract coverage, including common terms used in the automotive aftermarket industry.</font></p> <p><font size="3"><br></font> </p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><b>What’s the automotive aftermarket industry? Find out in our list of common terms.</b></font></p> <p><b><br> </b></p> <p> </p> <p><font size="3"><span style="color: rgb(79, 129, 189);">Administrator / Claims Administrator<b><br></b></span></font></p> <font size="3"> </font><p><font size="3">The company that is contractually obligated to perform under the Vehicle Service Contract; they will authorize and pay the repair facility for covered repairs to your vehicle. The claims administrator works with the repair facility to make sure your claim is handled properly. Because they are the company that pays your claim, their financial strength is an important factor in choosing a reliable company. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">A.M. Best Company</span></font></p> <font size="3"> </font><p><font size="3">A worldwide insurance-rating and information agency founded in 1899. Policyholders and depositors refer to Best’s ratings and analysis as a means of assessing a company’s financial strength and stability. An A rating (A+, A, A-) is the highest <span style="color: blue;">A.M. Best</span> rating an insurance company can receive. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Authorization</span></span></span></font></p> <font size="3"> </font><p><font size="3">The approval provided by a claims administrator to permit repairs to be performed under the terms of the Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Authorization Number</span></font></p> <font size="3"> </font><p><font size="3">The approval number assigned by a claims administrator indicating repairs are permitted under the terms of the Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Auto Warranty</span><b> </b></span></font></p> <font size="3"> </font><p><font size="3">The standard warranty that every new vehicle sold comes with. All factory-installed parts are covered against defects. Typical manufacturer warranties are 3 years or 36,000 miles or 4 years or 50,000 miles. Check your vehicle’s manufacturer’s warranty manual for specific information. Also called Manufacturer’s Auto Warranty or Factory Warranty.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Basic Warranty</span></span></font></p> <font size="3"> </font><p><font size="3">The specific terms established by each manufacturer to repair vehicles through a specified mileage and/or time period. All factory-installed and many dealer-installed parts are covered under this warranty.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Better Business Bureau (BBB)</span></span></font></p> <font size="3"> </font><p><font size="3">A reputable source that consumers can use to research a company’s background and profile. In order to participate in the Accredited Business Program, a company must agree to abide by the Better Business Bureau Code of Business Practices, have a satisfactory complaint handling record, agree to participate in the BBB’s advertising self-regulation program, and agree to dispute resolution with the BBB. Most of the companies who participate in these programs value their standing with the BBB and strive to handle complaints as professionally and expeditiously as possible. You can look up a company’s Better Business Bureau report and rating by visiting <a href="http://www.bbb.org">www.bbb.org</a>. </font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="background-color: lightgrey;"><br></span></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">BBB Rating</span></font></p> <font size="3"> </font><p><font size="3">BBB ratings represent the Better Business Bureau's opinion of the business. The BBB rating is based on BBB file information about the business. The BBB assigns letter grades from A+ (highest) to F (lowest). In some cases, the BBB will not grade the business (indicated by an NR, or "No Rating”) for reasons that include insufficient information about a business or ongoing review/update of the company’s file. BBB Business Reviews generally explain the most significant factors that raised or lowered a company’s grade and are based on information in BBB files with respect to the following factors:</font></p> <font size="3"> </font><ul> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>Company’s complaint history with the BBB<span style="font-family: Symbol;"><span></span></span></font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>Type of business<span style="font-family: Symbol;"><span></span></span></font> </li> <li> <font size="3">Time in business<span style="font-family: Symbol;"><span></span></span></font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>Background information on business in BBB files<span style="font-family: Symbol;"><span></span></span></font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>Failure to honor commitments to the BBB<span style="font-family: Symbol;"><span></span></span></font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>Licensing and government actions known to the BBB</font> </li> <li><font size="3">Advertising issues known to the BBB</font></li> </ul> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Certified Car</span></span></font></p> <font size="3"> </font><p><font size="3">Many cars sold used or off lease are certified by the manufacturer. This means they have undergone a quality inspection process prior to sale. Often, a limited powertrain warranty is attached to them. Most do not have exclusionary coverage. There is no industry standard for certification. Dealers and/or manufacturers often add a significant cost to certified vehicles.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Claims Reserve Account</span></font></p> <font size="3"> </font><p><font size="3">An insured account that the claims administrator will maintain to pay future claims.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Commercial Use</span></span></font></p> <font size="3"> </font><p><font size="3">Any automobile used for business purposes. Tow trucks, taxis, police vehicles and vehicles used for emergency purposes are normally excluded from Vehicle Service Contract coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Consumable Items</span></font></p> <font size="3"> </font><p><font size="3">Parts such as tires, batteries, clutch plates and wiper blades that are generally not covered under any warranty or Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Corrosion Warranty</span></span></font></p> <font size="3"> </font><p><font size="3">Covers rust through perforation on sheet metal and is offered as original warranty on new vehicles. Vehicle Service Contracts do not cover corrosion.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Covered Part</span></font></p> <font size="3"> </font><p><font size="3">Any part of the vehicle listed in the service contract as a covered part and not excluded from coverage by the Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Deductible</span></font></p> <font size="3"> </font><p><font size="3">The amount you pay the repair facility for work once the vehicle is repaired. Vehicle Service Contracts are typically offered with different deductible options ($100, $50 or zero). Find out how the deductible is applied. Better Vehicle Service Contracts will apply the deductible on a per repair visit basis. Beware of those that apply the deductible on a per part basis.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Diagnostics</span></font></p> <font size="3"> </font><p><font size="3">The effort by the repair facility to determine the cause of the vehicle’s problem, and to determine the necessary course of repair. Most contracts typically do not cover diagnostics, unless the diagnostics lead to the repair of a covered component.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Dun &amp; Bradstreet (D&amp;B)</span></font></p> <font size="3"> </font><p><font size="3">A trusted third party source that thousands use every day to determine the credibility and legitimacy of a company. You can look up a company’s D&amp;B report by visiting <a href="http://www.dnb.com">www.dnb.com</a>. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Drive Train</span></font></p> <font size="3"> </font><p><font size="3">The components that transmit the flow of power from the engine to the wheels. The components include the clutch, transmission, drive shafts (or axle shafts in front wheel drive), U-joints and differential.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Drivetrain Warranty<b><br></b></span></font></p> <font size="3"> </font><p><font size="3">A limited warranty from the manufacturer that covers certain parts of your vehicle’s engine, transmission and drive train assembly. If any of these components fail while the vehicle is covered under the warranty, the manufacturer is responsible for the repair. These warranties cover about 25% of the vehicle, and some of the most expensive parts of a vehicle. Also called Powertrain Warranty.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Emissions Warranty</span></font></p> <font size="3"> </font><p><font size="3">The Federal Emissions Warranty guidelines are based on federal regulations and apply to vehicles in all 50 states. Vehicles are covered by two types of emissions control system warranties, “Emission Defect Warranty” and “Emissions Performance Warranty.” Depending on the state you live in, the Performance Warranty is for 3 years/50,000 miles. The Defect Warranty is generally consistent with the manufacturer’s bumper to bumper warranty with certain parts (catalytic converter and electronic emissions controls (PCM)) for up to 8 years/80,000 miles. Please refer to your vehicle’s owner’s manual for your exact coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><b><span style="color: rgb(89, 89, 89);"><br></span></b></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Extended Auto Warranty</span></font></p> <font size="3"> </font><p><font size="3">A Vehicle Service Contract is often incorrectly referred to as an “Extended Auto Warranty”, although as defined by federal law, only a manufacturer can offer a warranty – extended or otherwise, and they are usually offered through dealerships. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Exclusionary Coverage</span></font></p> <font size="3"> </font><p><font size="3">Exclusionary coverage offers coverage for all of the parts and components of the covered vehicle, with the exception of those parts and components specifically listed in the contract as “not covered”. Exclusionary coverage is the most comprehensive Vehicle Service Contract coverage you can purchase. Sometimes referred to as Bumper to Bumper coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><b><span style="color: rgb(51, 153, 102);"><br></span></b></font></p> <font size="3"> <b> <span style="color: rgb(51, 153, 102);"> </span></b></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Gray Market Vehicle</span><b><span style="color: rgb(79, 129, 189);"></span><span style="color: rgb(79, 129, 189);"></span></b></span></font></p> <font size="3"> </font><p><font size="3">A vehicle not manufactured for sale in the U.S. They often do not meet U.S. standards and carry no manufacturer warranty. These vehicles are typically ineligible for Vehicle Service Contract coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Inclusionary Coverage</span></font></p> <font size="3"> </font><p><font size="3">A coverage plan that lists the parts that are covered by the Vehicle Service Contract. If the component or part is not listed, then it is not covered. Also called Named Component Coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">In-Service Date</span></font></p> <font size="3"> </font><p><font size="3">The date the vehicle was purchased by the original owner and driven off the lot or the date the vehicle was placed in use for rental, demonstration or other purposes.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Insurer</span></font></p> <font size="3"> </font><p><font size="3">The insurance company that guarantees the obligations and responsibilities of the Vehicle Service Contract provider and/or claims administrator.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><b><span style="color: rgb(89, 89, 89);"><br></span></b></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Lemon Law Vehicle</span></font></p> <font size="3"> </font><p><font size="3">A vehicle with (a) major, repeated problem(s) that has been repurchased by, or had its purchase price renegotiated with, the manufacturer. The state then earmarks these as Lemon Law or Buyback vehicles. These vehicles are ineligible for Vehicle Service Contract coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Limited Product Warranty</span></font></p> <font size="3"> </font><p><font size="3">A warranty with certain conditions and limitations on the parts covered, type of damage covered, and/or time period for which the agreement is good.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Lubricated Part</span><b><span style="color: rgb(79, 129, 189);"></span></b></font></p> <font size="3"> </font><p><font size="3">Any part that requires lubrication to perform its function.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Maintenance Guidelines</span></font></p> <font size="3"> </font><p><font size="3">The normal, routine maintenance that is recommended by the manufacturer of your vehicle to keep your vehicle in optimum condition. These include such things as oil changes, tune-ups, checking fluid levels, tire rotations, wheel alignments, belts, hoses and others as described in your owner’s manual. All Vehicle Service Contracts require that you properly maintain your vehicle.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Manufacturer’s Auto Warranty / Factory Warranty<b><br></b></span></font></p> <font size="3"> </font><p><font size="3">The standard warranty that every new vehicle sold comes with. All factory-installed parts are covered against defects. Typical manufacturer warranties are 3 years or 36,000 miles or 4 years or 50,000 miles. Check your owner’s manual for specific warranty information. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Mechanical Breakdown</span></font></p> <font size="3"> </font><p><font size="3">The act or process of failing to function or continue.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Named Component Coverage</span></font></p> <font size="3"> </font><p><font size="3">A coverage plan that lists the parts that are covered by the Vehicle Service Contract. If the component or part is not listed, then it is not covered. Also called Inclusionary Coverage.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Payment Plan Company</span></font></p> <font size="3"> </font><p><font size="3">The company that provides and handles payment plans for the purchase of your Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Powertrain Warranty</span></font></p> <font size="3"> </font><p><font size="3">A limited warranty from the manufacturer that covers certain parts of your vehicle’s engine, transmission and drive train assembly. If any of these components fail while the vehicle is covered under the warranty, the manufacturer is responsible for the repair. These warranties cover about 25% of the vehicle, and some of the most expensive parts of the vehicle. Also called Drivetrain Warranty.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Rebuilt Title</span></font></p> <font size="3"> </font><p><font size="3">A title issued on a vehicle where an insurance company has declared the vehicle a total loss. These vehicles were typically involved in a flood or severe accident. These vehicles are not eligible for Vehicle Service Contract coverage. Also called a Salvage Title.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Recall</span></font></p> <font size="3"> </font><p><font size="3">When a manufacturer recalls vehicles it has manufactured back to the dealership for specific repairs related to unplanned mechanical problems and/or safety issues. Recalls are usually voluntary and are made in conjunction with regulatory control of the National Highway Traffic Safety Agency (NHTSA). They can originate with the manufacturer or with the NHTSA. Repairs performed under a recall are usually free to the consumer. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Repair Facility</span></font></p> <font size="3"> </font><p><font size="3">A licensed automotive repair shop located in the United States or Canada. This includes dealerships, local mechanics or national repair facilities.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><b><span style="color: rgb(89, 89, 89);"><br></span></b></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Salvage Title</span></font></p> <font size="3"> </font><p><font size="3">A title issued on a vehicle where an insurance company has declared the vehicle a total loss. These vehicles were typically involved in a flood or severe accident. These vehicles are not eligible for Vehicle Service Contract coverage. Also called a Rebuilt Title.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Selling Company</span></font></p> <font size="3"> </font><p><font size="3">A company that sells Vehicle Service Contracts or other automotive aftermarket products. Selling companies can range from dealers and direct marketing companies to membership organizations and financial institutions.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Service Contract Industry Council (SCIC)</span></font></p> <font size="3"> </font><p><font size="3">The Service Contract Industry Council (SCIC) is a national trade association that works with lawmakers across the country to develop fair and uniform regulation to protect consumers, and is an advocate for the regulation of the service contract industry. The SCIC monitors state legislative and regulatory activities, contributes to relevant legislative and administrative proceedings, and educates businesses and consumers about the value and benefits of service contracts. Since 1988, the SCIC has been the national leader and pivotal force in the development of model legislation throughout the country, working for balanced standards that create fair and consistent regulation of the service contract industry.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);"><br></span></font></p> <font size="3"> <span style="color: rgb(79, 129, 189);"> </span></font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Technical Service Bulletin (TSB)</span></span></font></p> <font size="3"> </font><p><font size="3">This bulletin is produced by the vehicle manufacturer and alerts automotive technicians about specific service problem areas, repair procedures, and new service techniques for a vehicle. Thousands of these are issued each year. </font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><b><br></b></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Transferability</span></font></p> <font size="3"> </font><p><font size="3">A vehicle owner with Vehicle Service Contract coverage can transfer the coverage to the new owner of the vehicle if it is sold privately. A Vehicle Service Contract cannot be transferred to a dealer or auction house.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(79, 129, 189);">Vehicle Identification Number (VIN)</span></font></p> <font size="3"> </font><p><font size="3">A unique 17-digit identifier of your vehicle. The most common areas the VIN can be found are:</font></p> <font size="3"> </font><ul> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>On the driver’s side dashboard of your car</font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>On your insurance card</font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>On the title to your vehicle</font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>On the vehicle’s registration card</font> </li> <li> <font size="3"><span style="font-family: Symbol;"><span><span></span></span></span>On a sticker inside the driver’s side door</font> </li> </ul> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><br></span></font></p> <font size="3"> <span style="color: rgb(51, 153, 102);"> </span></font><p><font size="3"><span style="color: rgb(79, 129, 189);">Vehicle Protection Association (VPA)</span></font></p> <font size="3"> </font><p><font size="3">The mission of the Vehicle Protection Association (VPA) is to promote regulatory transparency, education and accountability, and compliance and stability for marketing and servicing of Vehicle Service Contracts. The VPA is a not-for-profit trade association representing firms that are active in the automotive service contract industry. Members include service contract marketers, administrators, payment processing companies, insurers, and software providers.</font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"> </span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Vehicle Service Contract (VSC)</span></span></font></p> <font size="3"> </font><p><font size="3">An agreement between a consumer and the service contract provider to pay for the cost of repair or replacement of covered mechanical parts or systems that fail. In short, it is a promise to perform certain services for the consumer and to pay for covered repairs to the vehicle under the terms of the Vehicle Service Contract.</font></p> <font size="3"> </font><p> </p> <font size="3"> </font><p><font size="3"><span style="color: rgb(89, 89, 89);"><br></span></font></p> <font size="3"> </font><p><font size="3"><span style="color: rgb(51, 153, 102);"><span style="color: rgb(79, 129, 189);">Waiting Period</span><b><span style="color: rgb(79, 129, 189);"></span></b></span></font></p> <font size="3"> </font><p><font size="3">A period in which no benefits will be paid if failure occurs within the specified time frame.</font></p> <p> </p> 6000108201 363 6000019724 2015-10-15T14:59:50-06:00 6001199739 6 2 0 2 Vehicle Service Contract Glossary 2015-09-04T12:29:43-06:00 6001199739