Frequently Asked Questions

What’s Typically Covered?

Engine Components

  • Engine block

  • Pistons & rings

  • Camshaft

  • Crankshaft

  • Cylinder head

  • Timing chain/belt

Transmission & Drivetrain

  • Automatic & manual transmissions

  • Transfer case

  • Torque converters

  • Drive axles

  • Differential components

Cooling System

  • Radiator

  • Water pump

  • Thermostat

  • Cooling fans

Electrical

  • Alternator

  • Starter

  • Power windows & locks

  • Instrument panel

  • Sensors (varies by plan)

Air Conditioning & Heating

  • Compressor

  • Evaporator

  • Condenser

  • HVAC controls

Steering & Suspension

  • Rack & pinion

  • Control arms

  • Ball joints

  • Power steering components

  • Shocks/struts (premium plan only in most cases)

Fuel System

  • Fuel pump

  • Injectors

  • Throttle body

  • Pressure regulators

Other potential Benefits

🚙 Roadside Assistance

  • Towing

  • Lockout service

  • Battery jump

  • Fuel delivery

  • Flat tire help

🚗 Rental Car Reimbursement

Your plan may reimburse the cost of a rental vehicle while repairs are being performed.

🏨 Trip Interruption Coverage

If your vehicle breaks down away from home, you may be reimbursed for meals, lodging, or transportation.

🛠 Flexible Repair Locations

Many plans allow repairs at:

  • Dealership service centers

  • Certified independent shops

  • National repair chains (Firestone, Pep Boys, etc.)

📋 Coverage Levels

Most VSC providers offer several levels of protection, including:

Basic Powertrain

Covers major drivetrain components (engine, transmission, drive axle)

Mid-level

Adds systems like A/C, electrical, steering & fuel

Exclusionary (Most Comprehensive)

Covers almost everything except listed exclusions (similar to original bumper-to-bumper protection)

⚠️ What’s Usually NOT Covered

Items commonly excluded:

  • Wear & tear items (brake pads, rotors, wiper blades)

  • Routine maintenance

  • Oil changes

  • Tires

  • Cosmetic damage

  • Upholstery

Each plan has its own terms—coverage varies.


Can I use my own mechanic?

In most cases, yes—as long as they are a certified repair facility.

Do I have to buy coverage from the dealership?

No. Third-party coverage is often more flexible and sometimes more affordable than dealership plans.

When should I add protection?

Generally, the older the vehicle, the more expensive service contracts become—and certain coverages may no longer be available as mileage increases. In most cases, the sooner the better.

Are Vehicle Service Contracts the same as warranties?

No. A manufacturer warranty is included with the vehicle. A Vehicle Service Contract is purchased separately and administered by a third-party coverage provider. They can cover the same components - they just aren’t “included” with your vehicle already.

💰 Pricing Expectations

Cost depends on:

  • Year

  • Make

  • Mileage

  • Current coverage status

  • Level of plan selected

High-mileage vehicles typically have higher plan costs due to increased risk.

📍 How the Coverage Works

  1. You experience a breakdown

  2. You take vehicle to a licensed repair facility

  3. Facility diagnoses the issue

  4. Coverage provider authorizes applicable repairs

  5. Covered components repaired as outlined in your contract

In many cases, you pay only a deductible if applicable.