If your car needs to be repaired or maintained, you can choose between several service dealers or licensed repair centers. Or you have to take it to the dealer you bought it from. This could be uncomfortable if you buy the car from a dealership in another city. Find out if your car is covered if it breaks while you`re using it on a trip, or if you take it when you leave town. Also beware of unscrupulous dealers who may try to include a car service contract in your credit without your consent. If you see a fee for a service contract that you have not accepted, ask the dealer to take care of it before signing the loan agreement. For risk aversion, it would seem to pay for the extension of the manufacturer`s warranty (technically a renewed service contract), albeit for rest reasons. However, third-party companies that negotiate expanded guarantees are notoriously dubious – and often claim to be legitimate providers, that they are only proven to be fraudulent for months or years. Some car dealerships and dealers only offer services in certain geographic areas. Find out if you need prior authorization from the contract provider for repairs or towing services. Make sure it takes time to get permission, if you can get an authorization outside normal business hours and if the company has a green number for authorization. Test the green number before you buy the contract to see if you can pass easily.
If you decide to purchase a service contract through a reseller – and the contract is supported by an administrator or a third party – make sure that the merchant passes on your payment and that you will receive written confirmation. Some people discovered too late that the merchant was not transmitting their payment, so they no longer had coverage months after signing a contract. If you have reason to believe that your contract has not been implemented as agreed, contact your local or government consumer protection authority. Few service contracts cover all repairs. Frequent repairs to parts such as brakes and clutches are generally not included in automotive service contracts. The best advice: if an item is not mentioned, you assume it is not covered. Pay attention to absolute exclusions that refuse coverage for any reason. Example: If a covered part is damaged by an uncovered part, the claim may be dismissed. Or if the contract provides that only « mechanical failures » are covered, problems caused by « normal wear » may be excluded.
If the engine needs to be disassembled to diagnose a problem, and during the process, the mechanic discovers uncovered parts that need to be repaired or replaced, you may have to pay for the work involved in demolishing and reassembling the engine.