Frequently Asked Questions

  1. In today’s world, these two terms have become interchangeable, however, legally, only the vehicle manufacturer can “extend” the warranty on its vehicles. Therefore, companies like HealthCareForYourCar.com offer “vehicle service contracts” to cover the cost of repairs after the car manufacturer’s warranty has expired. Use either term, we know what you’re talking about.
  2. One thing to remember, you do not have to buy an “extended warranty” from the dealer when you buy a new vehicle. In fact, it is much better to wait until your new car basic warranty is about to expire. You can then shop around for the best deal for your situation. We will be happy to help you make that decision. Just give us a call at 888-874-2492.
  1. You should buy a vehicle service contract in order to protect your budget against the high cost of automotive repairs after your manufacturer’s basic warranty has expired. If you are never going to drive outside the manufacturer’s warranty limits on your vehicle you do NOT need a vehicle service contract. On the other hand, if you are like most people and you plan to keep your vehicle past the manufacturer’s warranty limits, then it would be a wise decision to have one. As you know, the price of new and used vehicles increase every year as does the cost of repairs for these vehicles.
  2. Remember, it is not a matter of IF your vehicle will breakdown, it is a matter of WHEN. Protect yourself with a vehicle service contract from HealthCareForYourCar.com. You will be glad you did.
  1. When you notice a problem with your vehicle, take it or have it towed to the licensed repair facility of your choice. We work with new car dealers or any other licensed repair facilities.
  2. Explain the problem you are experiencing and hand the repair center your vehicle service contract.
  3. The repair center will then call our toll-free number (888-874-2492) on the contract and a claim will be opened by one of our many experienced automotive claims specialists.
  4. Once the problem is diagnosed and it is decided that it is covered by your contract, the repairs will be made and you will only owe the amount of your deductible plus any miscellaneous shop fees that the repair center charges that may be your responsibility.
  5. We then pay the repair center directly with a credit card and you drive off knowing you made a wise decision to buy a vehicle service contract from HealthCareForYourCar.com. You WIN!
  1. Coverage options range from our basic plan, DriveTrain(DT), to “like new” coverage, UberCare (UC), depending on the age and mileage of your vehicle and the amount you want to spend.
  2. As boring as contracts can be, it is important for you to read and understand the “WHAT IS COVERED” and “WHAT IS NOT COVERED” sections of your contract. Give us a call at toll-free 888-874-2492 if you have any questions.
  1. This is an extremely important question. Because vehicle service contracts are an insurance product and regulated by the states, you can be confident knowing that our contracts are backed by an A.M. Best A rated insurance company. We will be there when you need us.
  2. Many “sellers” of vehicle service contracts who contact you by direct mail, email or phone are third parties selling other companies’ products. At HC4YC.com, we only sell our own plans. We develop, administer, insure, and adjudicate our own contracts ONLY. No third parties are involved at HealthCareForYourCar.com. We are not here to make a fast buck then leave you hanging. We have a vested interest in your satisfaction.
  1. PROS: The only reason to buy an extended warranty at the time of your new car purchase is that you may be able to finance the cost of it in your monthly car payment.
  2. CONS: You will not be able to access the benefits of your extended warranty until your manufacturer’s warranty has expired. In many cases this could be 3 years or more after the purchase of the new vehicle. In fact, you could still be paying for the extended warranty long after it has expired if you finance your car for a lengthy period of time. Another factor to consider is that you would probably have to return to a car dealer when you need repairs. Many people find that very inconvenient. With a service contract from HealthCareForYourCar.com, you can have your vehicle fixed at the licensed repair facility of your choice.
  3. The best time to buy a vehicle service contract is when the manufacturer’s basic warranty on your vehicle is about to expire. Buying one at this time will give you more varied coverage options and lower pricing. As your car ages and the mileage increases on it, fewer coverage options will be available and the price will be higher.

Yes! Check with us online or give us a call for coverage levels and pricing when you are looking for a used vehicle. If you find one you like, write down the VIN so we can provide you with all the plans and exact pricing for a service contract for that vehicle.

No! There are so many different companies selling service contracts that it is like comparing apples to oranges. The only common theme is that of paying for repairs when your vehicle breaks down and some companies, like us, do that MUCH better than others. HealthCareForYourCar.com invites you to shop around. We are dedicated to transparency and a seamless customer service experience. We feel that an educated, satisfied customer is our best asset and we are confident you will choose us for your vehicle service contract.

  1. First, we want you to read your contract over, and then we ask that you properly maintain your vehicle at a licensed repair facility in accordance with manufacturer recommendations. Please keep the receipts and make sure the date, the VIN, and the mileage are noted on any maintenance invoices. For any questions, see the MAINTENANCE AND RECORDS section of your contract or just give us a call.
  2. When your car breaks down, please PREVENT FURTHER DAMAGE by not driving it with the Oil Pressure Light on; the Temperature Light on; fluids leaking; or smoke/steam coming from the hood area. If any of these things occur, or anything else that you feel might be a similar problem, STOP immediately and have your car towed to a licensed repair facility for diagnosis. Unfortunately, any damage resulting from driving an impaired vehicle will NOT be covered.
  3. Always be certain to have the repair center CALL US — Show the repair facility your contract so they can call us (888-874-2492) for PRIOR AUTHORIZATION before any repairs are made to your vehicle. See sections labeled: WHAT TO DO IF YOU VEHICLE SUSTAINS A MECHANICAL BREAKDOWN and WHAT THE ADMINISTRATOR WILL DO WHEN A CLAIM IS REPORTED. Our phone number is located at the bottom of every page on your service contract.
  4. If you are thinking of modifying your vehicle beyond what is recommended by the manufacturer, give us a call first. It could void the coverage under your contract. We don’t want this to happen without your knowledge.

Yes! It is transferable when you sell or transfer ownership of your car to an individual for a small transfer fee. It is stated in the contract under TRANSFER OF VEHICLE OWNERSHIP. When you can provide prospective buyers with a solid warranty, it can really increase the value of your vehicle and help you when you go to sell it.

This is a really good question. We have the ability to know what the prevailing labor rates are in different parts of the country. We also know that different segments of the vehicle repair community may charge well above the prevailing rate. For instance, car dealers normally charge higher labor rates than independent shops in the same area, therefore we try to be flexible in dealing with this situation. Because we tell you that you can have your vehicle repaired at any licensed facility, we want you to know that there may be times when certain repair centers will balk at the rate for your area that we offer to pay. If this happens, and the repair facility will not accept our maximum labor rate, then you may be required to pay the difference if that is where you choose to have your vehicle repaired. This doesn’t happen often, but you should be aware of the possibility. We want to warn you up front so there will be no surprises when the time comes.

This is the number one consumer complaint about vehicle service contracts. The simple rule is that if the condition existed prior to the purchase of the service contract then the repair WILL NOT BE COVERED.

Pre-existing conditions are determined by the repair facility’s diagnosis, and in some cases, may require an inspection of the vehicle by a third-party inspection company. It is important to understand it is the intention of HC4YC.com to pay for all covered repairs but NOT if the breakdown occurs due to pre-existing conditions. It is also important to know that the intentional purchase of a service contract solely for the reason of fixing a pre-existing problem is considered FRAUD!

We understand that it is possible that you may not be aware that a problem exists and this is why we rely on the repair facility to properly diagnose the problem and report their findings.

Because we don’t require an inspection of your vehicle prior to purchasing a contract from us, we do have a “one month AND 1000 mile wait period” before your contract takes effect. This “wait period” is common in the extended warranty industry. It allows you time to read your contract and make sure you are comfortable with your purchase or cancel with a full refund if you are not. It also provides some protection to extended warranty companies against fraud and abuse. Just as in the medical healthcare industry, covering pre-existing conditions has caused health insurance prices to skyrocket. The same would happen in the extended warranty business if we did the same. We want to keep prices for our coverage plans as low and fair as possible so all we ask is that your car is in good shape and proper working order when your contract coverage begins. At that point, we will be glad to take care of problems with your vehicle as they arise.

You may cancel the contract within the first 30 days from the sale date and receive a full refund as long as no claims have been paid. After 30 days, then any refund would be on a prorated basis. See the CANCELLATION PROVISIONS of your contract for more details.

  1. We develop, administer and back all of the service contracts we sell. We do not re-sell any products from other companies.
  2. You can have confidence that we are responsible for all aspects of the service contract that you purchase from us. There are no middlemen involved. Therefore, our pricing and our customer service are second to none.
  3. With HealthCareForYourCar.com, you do not have to speak to a high-pressure sales representative. Our website is designed to be user friendly for maximum customer education and ease of use. You can actually buy your service contract at 3:00AM without having to talk to “Jake in khakis”, unless you want to.
  4. We have real live customer service representatives to talk to during normal business hours if you are so inclined.
  5. We have the EXPERIENCE. Our company has been providing service contracts for over 30 years. Our claims handling has been deemed EXCEPTIONAL by independent auditors and we have been lauded as a leader in best practices and customer service.

The simple answer is YES. If you will be covered by your vehicle manufacturer’s warranty during the entire time of your vehicle ownership experience, then you do NOT need an extended warranty. For instance, you may have a three year lease on a new car and only drive 10,000 miles a year. Since you will be under your basic new vehicle 36 month/36,000 mile basic warranty for that entire time, then an extended warranty would be a waste of money for you. If, however, you have a four year lease and the manufacturer’s basic warranty is for three years, then you would want to get coverage for that twelve month period that you wouldn’t be covered.

If you are wealthy beyond your wildest dreams and you don’t care how much it costs to fix your vehicle, then don’t buy one. Most of us aren’t in this category, so an extended warranty would be a very wise choice for us.

The bottom line is that you should buy a vehicle service contract to protect the family budget if you will be exposed to the high cost of repairs to your car, truck, or SUV. Whether you buy a vehicle service contract from us or another company, it is the smart thing to do. However, the smartest thing to do is buy one from HealthCareForYourCar.com.

It is our intention to only sell you a vehicle service contract if you need one. If your situation is such that one does not make sense for you, then we will tell you. Our integrity is more important to us than selling you something that you don’t want or need.

The term “Bumper to Bumper” refers to a particular coverage level in the extended warranty industry. It is a phrase that means you are fully covered from one end of the car to the other (from the front bumper to the back bumper) if a breakdown occurs. Even though there are exceptions and limitations in every vehicle service contract, the phrase is used to describe a company’s best coverage option when they cover all mechanical and electrical breakdowns. However, because the term is so all-inclusive it can lend itself to misconceptions. Just remember, no warranty company covers everything so read your contract carefully.

A “Factory Warranty” is backed by your vehicle manufacturer based on their set terms and limits. Normally, you must return to a car dealer to have your vehicle repaired under the factory warranty. An “Aftermarket Warranty”, like ours, gives you much more flexibility and control over the repair of your vehicle. We encourage you to have your vehicle repaired at a licensed repair facility of your choice.

Unfortunately, the industry does have to combat that perception because in some cases it is deserved. As you know, there are unscrupulous people and companies everywhere. It is just a fact of life. That is why it is so important to have confidence in the company you are buying from. We have been in the business for over 30 years. We only sell products that we develop. We are not a re-seller of other companies’ products. We adjudicate our own claims and our products are backed by our own insurance company. We do it all.

Many of the companies in our industry are only telemarketers selling other companies’ products. They have no investment in them. After you purchase from them, you will never hear from that telemarketer again. They are only interested in making a sale through high-pressure tactics, annoying phone calls or misleading mailers. Not so with us. HealthCareForYourCar.com is all under one roof and our mission is to develop repeat business through satisfied customers and their referrals.

Many of the problems that occur in our industry are due to customers not understanding what they bought. We want you to know everything and we do not hide anything. We want you to understand what is and isn’t covered based on the coverage level you select. We want you to know how the claims process works and what you will be responsible for based on your selected deductible. We want to make sure you know that you need to do the proper maintenance on your vehicle per the manufacturer’s guidelines so that there will be no problems when a claim arises. You need to know that we are here for you to answer any questions you may have and to guide you through the troubling times when your vehicle breaks down. Just call us at 888-874-2492 if you have any questions, comments, cheers, or jeers.

Transparency is very important to us. We want you to know everything.

  1. Vehicle Identification Number (VIN). It is very important to have this number handy. It is usually a 17-digit alphanumeric number and tells us everything we need to know about your vehicle to provide you with an accurate quote. It is located on your car, usually visible through your windshield, or on your car insurance card.
  2. If you don’t have your VIN handy, you can use vehicle year, make, model to get an approximate quote but you will need your VIN to actually buy a contract from us online.
  3. Your vehicle’s mileage.
  4. Driving habits…approximate average number of miles per year you drive your vehicle.
  5. Length of time you would like the plan to cover.
  6. Amount of coverage you want based on your budget. We have powertrain only contracts all the way to comprehensive plans depending on your vehicle’s age and mileage. Remember, newer vehicles with lower miles have more coverage options available to them than older, high mileage vehicles. Just like in health insurance, the younger you are the less you pay.
  7. Contract expiration occurs when you reach the date of contract expiration OR you reach your mileage limit, whichever comes first.
  8. In order to keep your contract in force, we ask that you do timely maintenance on your vehicle based on manufacturer’s recommendations. Maintenance items such as filters, spark plugs, brake pads and shoes, etc. are NOT covered in vehicle service contracts because they are designed to wear out and be replaced on a regular basis. Our contracts cover unexpected mechanical and electrical breakdowns, not maintenance items.
  9. You should be aware that no vehicle service contract covers EVERYTHING. Please call us at 888-874-2492 if you have any questions, comments, cheers or jeers. We want satisfied customers to turn into repeat customers.

Because HealthCareForYourCar.com doesn’t require an inspection of your vehicle prior to purchasing a contract from us, we do have a “one month AND 1000 mile wait period” before your contract takes effect. This “wait period” is common in the extended warranty industry. It allows you time to read your contract and make sure you are comfortable with your purchase or cancel with a full refund if you are not. It also provides some protection to extended warranty companies against fraud and abuse in the case of possible pre-existing conditions.

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