What is a Vehicle Service Contract (VSC)?

A vehicle service contract is sometimes called an extended warranty. A VSC protects you from having to pay a lot of money for high-priced car repairs. When your car is new, it usually has a 3-year warranty provided by the manufacturer. Of course, it’s the time after those 3 years when the most expensive car repairs typically happen! A VSC keeps you from having to shell out a few hundred, even thousands of dollars on car repairs.

Why Do I Need a VSC?

The longer you hold onto your car, the more likely it is that it’s going to break down at some point. It doesn’t really matter if you have the best-built car in the world, it will need an expensive repair at some point. And it’s not just the big stuff like engines, transmissions, etc. that are expensive. Unfortunately, today’s vehicles are much more complicated to repair than cars built 20+ years ago. High-tech parts like circuit boards cannot be “fixed”, they can only be replaced – and they’re very expensive. Without a VSC, you could be stuck paying $500…$1000…$1500 or more out of pocket when your car breaks down. Chances are you don’t have that kind of money just laying around – or if you do, you certainly don’t want to hand it over to a mechanic just to get your car running again! With a VSC, there’s no worry when your car breaks down. Just pay the low deductible and you’re good to go. Your service contract takes care of any covered repairs. In many cases, a single repair can cover the entire cost of the VSC.

My car is still under the Original Manufacturer’s Warranty. Why would I need a VSC now?

The earlier you start, the less you’ll pay for the VSC. Your manufacturer’s warranty will run out sooner than you think. The standard manufacturer’s warranty is 3 years or 36,000 miles, whichever comes first. The average person drives over 15,000 miles per year. That means chances are good that you’ll only be a couple years into owning your new car by the time your manufacturer’s warranty runs out. We’ve seen countless times where a person didn’t even REALIZE their car was no longer under warranty when they got hit with a $500+ repair bill on their “new” car. Starting your VSC early – while your Manufacturer’s Warranty is still in place – is a good plan because it makes sure you’ll pay the least amount for your VSC, plus it will protect you from experiencing what could be a costly gap in coverage.

What repairs does a VSC cover?

Every VSC is different. You should read your contract carefully prior to signing so you fully understand what is covered, and ask questions to clarify if needed. VSC’s cover just about everything that was covered by the original Manufacturer’s Warranty. Repairs caused by accidents or normal wear-and-tear would not be covered.

How does the administrator pay for claims?

All covered repairs are paid UP FRONT to the repair facility once the final repair invoice is received. You simply take your car to the mechanic, show them your service contract and ask them to contact the claims administrator prior to proceeding with repairs. They’ll take it from there.

Can I take my car to any mechanic I choose?

With American Auto Protect, your repairs are covered at any licensed authorized repair facility. Unlike manufacturer warranties that only accept repairs from a narrow list of facilities, your VSC will cover repairs at any ASE Certified mechanic in the U.S. or Canada. This way, if you’re traveling or if you’ve recently moved, you know you’re covered.

How do I know if American Auto Protect will cover my car?

We cover almost any car with less than 160,000 miles that’s 10 years old or less, with some exceptions. The best way to know for sure is to request a quote and one of our representatives will get back with you right away. Or just give us a call today at 1-877-563-8280.