Auto Warranty FAQ's
Free yourself
from high auto repair bills -
extended auto warranties save you money!
Extended auto repair warranties
aren't just for new and used cars. Now you can protect
your vehicle investment and purchase an extended SUV
or truck warranty.
Need additional assistance? If your extended
car warranties question isn't covered below, please
call us toll free at 1-888-222-4445. One of our consultants
will be happy to help.
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Warranty Information (Videos)
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CONTRACTS & INFORMATION
How new and used car extended
warranties work:
1. How can you offer such complete
auto repair warranty coverage at such an affordable
price?
We are able to offer comprehensive new and used car
extended warranties, as well as extended SUV warranty
and truck warranty coverage at such an affordable price
for several reasons:
• We work directly for the warranty
companies. We do not offer new and used car extended
warranties or extended SUV warranty and truck warranty
plans through automobile dealerships or any other
3 party that would require adding a large commission
to your contract.
• High volume business and economies of scale
of a large company like ours allow us to offer you
lower prices.
• Doing business online via e-commerce and the
Internet lowers our expenses compared to companies
that maintain multiple physical storefronts.
• We pass all these savings on to you!
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2. What is the procedure if I need to file a claim on
my new or used car extended warranty?
Getting repaired and back on the road is so simple.
If your vehicle breaks down or is in need of a repair,
take it or have it towed to any licensed repair facility
and present your extended car warranty service agreement
to the Service Department. After they diagnose the problem
with the vehicle, they will call our claims administrator
toll-free for authorization for your covered repairs
less a deductible where applicable. Our administrator
pays all covered claims directly to the repair facility
of your choice with a check, therefore, you do not have
to pay for your repair and wait to get reimbursed. It
is that simple. Repair facilities are paid quickly and
efficiently over the phone via corporate credit card.
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3. Where are the contracts for new and used car extended
warranties honored?
You’re able to use your warranty at any licensed
repair facility that agrees to work on your vehicle,
and agrees to be paid by credit card.. You have the
option of taking your vehicle to your dealership or
any ASE certified repair facility nationwide. Additionally,
your new and used car extended warranty plan is accepted
at national repair facilities such as Pep Boys, Firestone,
AAMCO, and All Tune and Lube as well many others.
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4. Do I have to go back to my original dealer for repairs
under my new or used car extended warranty, or extended
SUV warranty or truck warranty?
It's 100% your decision! Take your vehicle to your original
dealer, another dealer or an approved national repair
facility. With all of our nationwide auto repair warranties
plans that we offer, your choices are endless. You can
take your vehicle to the licensed repair facility that
makes you most comfortable. This includes, but is not
limited to, your original dealer, your favorite repair
facility, or any national repair facilities such as:
Cottman, Pep Boys, Firestone, and Good Year.
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5. What happens if my dealer does not want to accept
the nationwide new and used car extended warranty plan?
Most Dealerships appreciate our business. They have
no reason not to accept the new and used car extended
warranty, extended SUV warranty or truck warranty policies
offered by us. Our administrator pays the recommended
price for parts and labor for all covered repairs. The
industry standard-pricing guides used by your dealership
determine the cost of the repair: the Chilton and Mitchell
parts and labor guides. Plus, the administrators pay
all claims directly to the repair facility of your choice
when the repair order is faxed to the administrator.
And then your claim quickly and efficiently over the
phone via corporate credit card.
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6. How can I be assured that my new and used car extended
warranty claims will be paid in the future?
All extended warranties that we offer are directly insured,
and the administrators maintain a future claims reserve
for all policies to covered repair costs. A percentage
of premiums paid by all new and used car extended warranty
contract holders are deposited into an account that
is used strictly to pay future claims.
7. Can you please explain how the deductible on the
new and used car extended warranties, as well as the
SUV extended warranties and truck warranties work?
In may cases, the standard deductible is $100, with
options to reduce it. The deductible is the amount that
the customer is responsible to pay to the repair facility.
The deductible is per visit, not per separate repair.
8. Are you the American Automobile Association (AAA)?
No, we are in no way affiliated with the American Automobile
Association. You can reach them at 1-800-763-9900. AAA
is a term often used as a rating reference for the highest
credit rating (ie Standard & Poor’s, Moody
and Fitch) and our company name is derived from that.
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9. When does my new and used car extended warranty or
extended SUV warranty and truck warranty begin and expire?
Immediate Coverage:
Unlike our competition, AAautoWarranty.com does not
require a vehicle inspection on vehicles still under
factory warranty or the typical 30-day and 1,000-mile
waiting period before coverage begins. Most used vehicles
are required to pass a mechanical inspection before
purchasing a warranty. Your coverage begins on the warranty's
purchase date, not the Vehicle's "in-service"
date. However, pre-existing conditions are not covered
by anyone's policy - regardless of where or when it
is purchased.
Some of our used extended car warranty begins 30 days
and 1,000 miles from the date of enrollment. (Call us
for details)
Expiration dates vary by the new or used car extended
warranty plan and coverage you select.
* Beware of other companies and dealer programs
that begin their new and used car extended warranties
and extended SUV warranties and truck warranties programs
on your vehicle's in-service date.*
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10. Who insures the new and used car extended warranty
programs offered by AA AutoWarranty.com?
All extended warranties that we offer are directly insured
by carriers, and authorized for sale department of insurance.
We only offer the most secure direct insured policies
and none of the warranty companies we represent are
backed by risk retension groups (RRGs). Please see our
Contracts page for specific details on the insurance
carrier for each policy.
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11. What makes the AAautoWarranty.com program unique
to others?
We are one of the only companies that are offering
one-stop, comparative shopping for your auto warranty
needs. We only offer warranties provided by
leading Insurance Companies. We only offer warranties
provided by leading Insurance Companies. We cover virtually
any manufactured automobile and are one of the few that
offer ‘Bumper to Bumper’ coverage even if
the vehicles original manufacturer’s warranty
has already expired. We have one of the most comprehensive
programs for high mileage vehicles of any age.
You can feel secure knowing that our customer satisfaction
rating for claims is 99% and you have a financially
stable re-insurer standing behind your service agreement.
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12. What is true bumper-to-bumper coverage?
True bumper-to-bumper coverage is always ‘exclusionary’
coverage. This means that everything on a vehicle is
covered excluding certain items such as maintenance,
trim items like moldings, weather-stripping, etc. However,
in recent years, some warranty companies have begun
using the term “bumper-to-bumper” much more
liberally in an effort to apparently give consumers
the impression that they are receiving more coverage
than they actually are. You will be happy to know that
AAAautoWarranty.com does not use the term in that fashion.
Our Max or “Bumper to Bumper” plans are
true exclusionary coverage and is most like your vehicle’s
original bumper-to-bumper warranty.
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13. How is the deductible applied? Per item, per repair
visit, etc.?
Your deductible is applied per repair visit. This means
that regardless of the number of items that need repair,
you will only pay your deductible once per repair visit.
You may also select a $200.00 deductible option on certain
plans if you would like additional savings when you
purchase your service agreement.
14. What do I do when I experience a problem with my
vehicle? How is a claim processed? Where can I go to
have my vehicle repaired?
Take your vehicle to any licensed repair facility. (Any
auto dealership, repair shop or private mechanic of
your choice).
a. Allow the repair facility to diagnose
your vehicle
b. Have the repair facility contact the claims center
at a toll-free number that is provided to you on the
contract.
c. The claims center will authorize all covered repairs,
less your deductible, if any.
d. Once the repairs are done to your satisfaction,
the claims department will pay the repair facility
with a corporate credit card. In some cases only you
can be reimbursed by the claims department. Please
see your warranty policy for specific details.
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15. How do I know you will be around to take care of
my claims in the future?
AAautoWarranty.com gives all premiums that we collect
are deposited into a premium reserve account that is
regulated by the government. These monies are kept in
reserve for the sole purpose of paying future claims.
You can feel secure knowing that your claims will be
taken care of for the life of your service agreement.
In addition, all AA AutoWarranty.com plans are Insured
by Insurance Companies. This means that in case AA AutoWarranty.com
should ever go out of business, our insurer providers
will step in to handle all claims protecting you for
the life of your agreement.
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16. When does my service agreement become effective?
For Vehicles without one (1) month and one thousand
(1,000) miles remaining on their manufacturer warranty,
Your Effective Date is 1 month and 1,000 miles from
your VSA Issue Date. For all other Vehicles with more
than one (1) month and one thousand (1,000) miles remaining
on their manufacturer warranty, Your Effective Date
is the VSA Issue Date.
17. Is my service agreement renewable? Is my service
agreement transferable?
Yes, you may renew your agreement providing that your
vehicle meets our current underwriting guidelines. You
also have the option of transferring your service agreement
to private party at any time during its term.
18. Is it safe for me to make my service agreement purchase
on-line? What information is needed to complete the
purchase of my service agreement?
It is absolutely safe for you to purchase your service
agreement via our secured web site. AA AutoWarranty.com
utilizes the latest data encryption technology to ensure
the privacy and security of all of the information you
transmit to us. For more details, simply click on the
GeoTrust Icon that is located under any Quick Quotes
Graphic.
All AAautoWarranty.com needs to complete your purchase
on-line or by telephone is your vehicle's identification
number (VIN) and your method of payment.
19. What options are available for me to pay for my
service agreement? Do you have an "easy payment"
plan?
We accept American Express, Visa, MasterCard, Discover
(credit or debit cards), money orders or personal checks.
We also offer an "easy payment" and other
plan options.
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20. Can I cancel my service agreement?
To ensure your complete satisfaction we provide a 30
day full refund policy provided you have not made any
claims on the warranty. Should you feel this warranty
is not right for you simply write “void”
on your contract and mail it back to us. After the first
30 days you may cancel your policy at any time, provided
you have not made any claims, and you will be refunded
the pro-rated unused portion of your warranty coverage.
After the first 30 days there will be a $100.00 cancellation
fee in addition to any cancellations fees outlined in
your contract. Please be aware that some warranty companies
do not allow cancellations after the first 30 days.
Product warranties cannot be canceled after 30 days
or after product has been used. Review your warranty
contract carefully to determine cancellation options,
procedures, and fees.
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21. I understand that AAautoWarranty.com is a warranty
broker. Who am I actually purchasing the warranty from?
AAautoWarranty.com is a licensed broker of extended
auto warranties and represents the major direct insured
warranty companies. We negotiate the best price and
coverage for you with the actual warranty provider.
You are actually purchasing your warranty directly from
the warranty company.
AAautoWarranty.com does not process or pay for any claims.
These matters are handled by your warranty company.
You are actually purchasing the warranty directly from
the warranty provider you've selected and any claims
should be directed to their claims department. Please
keep the warranty company claims phone number provided
in your vehicle in the event you need to have repairs
done.
By purchasing a warranty through AAautoWarranty.com,
no contract is made between you, the purchaser and AAautoWarranty.com.
AAautoWarranty.com does not agree to and is not liable
for payment of any claims and is not liable or responsible
for the actions or business operations of any warranty
company.
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22. What is Wear and Tear coverage?
Wear and Tear coverage means that parts do not have
to break for you to be covered. Should a part or component
wear out prematurely it is covered. Wear is defined
as “can no longer perform the function for which
it was designed solely because of its condition".
When the part or component has worn beyond the manufacturer's
tolerances allowed for a particular vehicle at the mileage
when the problem occurs the part or component is covered.
Parts that are considered “normal maintenance”
parts are not covered under a Wear and Tear option.
These would be items like brake pads, shoes, drums or
rotors, and manual clutches.
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23. Will a warranty pay for a problem that the vehicle
has when I get the warranty?
Extended warranties are not meant to cover problems
that exist with a vehicle at the time the warranty is
obtained. Such problems are called “pre-existing”
conditions, and warranty companies do not approve claims
for them. Whether a problem is a pre-existing condition
is determined by the repair facility or the warranty
company.
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