FREQUENTLY ASKED QUESTIONS
What Is An Extended Service Agreement/Vehicle Service Agreement?
An extended service agreement, sometimes referred to as an extended warranty, covers the parts and labor, specified in your coverage plan, against a mechanical breakdown after the manufacturer warranty expires and is generally offered through a third party provider. This policy protects the car owner from unexpected mechanical problems and can be used across the country. The best time to purchase a VSC is right before the manufacturer’s warranty is about to expire or shortly thereafter. Patriot Protection Shield offers coverage on most new or used vehicles.
Why Do I Need An Extended Service Agreement?
A vehicle service agreement can offer peace of mind and several other benefits to car owners. Knowing what your repair costs will be, can remove many fears about investing in a new car, buying a used car, taking a long trip, or knowing that your loved ones are covered. Similarly, unexpected repair costs are minimized because of coverage – making it more affordable to own and maintain a vehicle.
Your vehicle is a big investment and the longer it stays in great working condition, the more value you get from your investment. Vehicle service agreements are designed to protect your investment by keeping your vehicle in good, drivable shape without you having to incur a lot of extra, unexpected repair costs that you might otherwise have difficulty paying.
Labor alone would constitute an intelligent reason for purchasing a service policy, considering that the average hourly rate for mechanic labor can be over $100 an hour. When you also consider how expensive parts and systems can be to fix, the value proposition for a vehicle service agreement becomes that much stronger. Let us give you a free quote today and show you how to protect yourself from future unexpected costs
What Is An Auto Warranty / Car Warranty?
A manufacturer’s auto warranty is provided by the manufacturer and included with the original vehicle purchase. This is often referred to as a bumper-to-bumper warranty and it includes all parts, labor and any defects that the new car may have. The warranty period varies by manufacturer, but it typically expires after 3 years or 36,000 miles, whichever comes first. Dealers often offer agreements to “wrap” the new car factory warranty coverage or extend beyond it. These agreements are often referred to as “extended auto warranties” and can run concurrent with the manufacturer’s warranty. Consumers considering these agreements should read the terms of the agreement carefully to be sure they’re not purchasing duplicate coverage.
Can I take my vehicle anywhere for repair?
Yes, you can choose any dealer, or local mechanic to perform the repairs on your vehicle provided the business or mechanic is ASE certified.
How are repair claims paid?
Claims are incredibly simple. Claims are paid by Corporate Credit Card to the repair facility directly, though payment by check is available upon request. Bring the vehicle to the repair facility of your choice, present your service agreement information to any licensed repair facility in your area and the repair facility will be paid directly by our administrators. All you pay is your deductible (if any). There is no paperwork and no need to pay first and then be reimbursed.
How Much Does Extended Auto Service Agreements Cost?
When it comes to an extended auto service agreement, each plan has been developed to fit each of our client’s different needs. The cost is determined by several different factors including: the make and model, year, mileage, city and state of residence. The good news is that we offer several different affordable plans to fit any budget. Click here to get a free estimate and review all the different options that Patriot Protection Shield has to offer our clients.
Why buy a vehicle service agreement now? Even if I still have a manufacturer warranty?
Some of the auto protection plans that we offer require a 30 Day and 1,000 Mile waiting period while others require that your vehicle pass an inspection before coverage begins. A representative will let you know what is required prior to purchasing. However, please keep in mind that no auto service agreement will cover pre-existing conditions, regardless of which company you purchase the plan from.
What’s Included With The Purchase of a Patriot Protection Shield Plan?
Just like health insurance, the better shape your vehicle is in when you obtain coverage, the better your rates will be. It costs far less to extend the coverage on a newer vehicle than it does for an older vehicle with higher mileage. By purchasing today, you lock into the costs of a service agreement at today’s rates, while your vehicle’s at its best. Also, the longer you wait, the higher the risk of losing the best possible coverage, thus having to take a lower coverage policy for exceeding the vehicle qualifications.
Where Can I Take My Auto To Have Repairs Done?
You can have your vehicle repaired by any licensed repair facility in your area. You may take it in for repairs to your original dealer, your favorite mechanics repair shop, or any national chain that performs vehicle repairs, as long as the repair shop is A.S.E Certified. All covered repairs are paid direct to the service center with a corporate credit card so you don’t have to file a claim and wait for reimbursement.
What if my car repair facility won’t take my service agreement?
We find it rarely happens that a repair facility won’t accept our extended service agreements. Patriot Protection Shield makes a habit of paying immediately. In fact, many repair facilities are eager to do business with us once they learn that they do not have to bill us. Still, if you are concerned that your repair facility will not accept our coverage, we’d be happy to contact the facility and establish a relationship before you purchase a plan. Should you find that a repair facility will not accept our vehicle service agreement for any reason, we will locate the nearest authorized repair facility for you, or send you a prompt reimbursement for the covered amount.
What if I want to cancel my service agreement?
Although we’re certain you’ll love having a policy in place, we at Patriot Protection Shield are more than happy to offer a money-back guarantee if you are not satisfied with your vehicle service agreement. Plans can be cancelled within 30 days for a full refund, less admin fees, provided no claim has been filed. After that time period, a pro-rated refund will be issued for the unused portion of your agreement.
Is my service agreement transferable?
Yes! It most certainly is. You can pass your service plan to the new vehicle owner. This can be a big incentive for you to sell your car. Just provide the proper documentation of the transfer and we take care of the rest!