Frequently Asked Questions
Vehicle service contracts are designed to protect consumers against unexpected, costly repairs to their vehicle. A vehicle service contract can be purchased by a consumer to cover the costs associated with vehicle repair, including parts, labor, and/or sales tax, for certain repairs or replacements that may be required after a manufacturer's warranty expires. Different contracts have different coverage levels. A given individual's coverage for any given repair is based on the terms and conditions of his or her vehicle service agreement. Back to top
The 'Original Manufacturer's Warranty' is the initial warranty that is provided by the manufacturer for a new vehicle. For most Manufacturers the "Original" warranty is limited to 36 months or 36,000 miles whichever comes first. Also, most US manufacturers also provide a warranty on all federally mandated emission's components for 5 years or 50,000 miles and a corrosion warranty for 6 years or 100,000 miles. The purpose of the Manufacturer's warranty is to 'guarantee' that the brand new vehicle you just purchased has no manufacturer defects. Back to top
Technically, a warranty or a Vehicle Service Contract (VSC) is not an insurance policy. While they do protect against various forms of loss and often they are insured, they differ in their legal construction from insurance policies. An insurance policy is a direct agreement (contract) between the insured party (consumer) and an insurance company. Some insurance companies do offer this type of a policy, which is called "Mechanical Breakdown Insurance". A VSC, on the other hand, is provided by a dealer or administrator and is a contract between the dealer / administrator and the consumer. All quality VSC's are backed by an insurance policy which allows the consumer direct access to the insurance company if a valid claim is not paid. The name of the insurer with their address should appear on the VSC. Residents of California please Click Here.
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Many people try to protect themselves from costly car repairs by purchasing some kind of mechanical breakdown repair agreement, such as a service contract. In the state of California anyone wishing to provide vehicle service contract coverage that is not a licensed auto dealer must offer an MBI product.
MBI stands for "Mechanical Breakdown Insurance" and is a direct contract with the insurance company. MBI can be sold directly by insurance companies, and through licensed insurance agents.
MBI coverage offers several advantages to consumers. The California Department of Insurance (CDI) sets the regulations and closely follows each company that registers to do business in California. Because MBI is a true insurance product, the CDI has strict guidelines in regards to pricing and coverage that must be adhered to. Consequently, The CDI limits the profit on MBI to what is fair and reasonable.
Because the California Department of Insurance has strict regulations regulating their MBI programs consumers should visit their website to familiarize themselves with the law.
All of our auto protection plans are fully insured by AM Best rated insurers. For more detailed information contact us. Back to top
My Repair Shield meets or exceeds all of the standards that you would expect from a quality, financially stable Vehicle Service Contract Company. Our promise is that we will represent your interest for the life of the contract. This advocacy can be very important when you have a problem. Additionally, our Roadside Assistance, Car Rental and Travel expense benefits are all part of one insured contract. Back to top
The plan will cover damage due to overheating provided the vehicle does not overheat due to negligence and provided you act immediately to prevent unnecessary damage when your vehicle overheats. Often this is a difficult decision. When you are driving on a hot crowded highway it isn't pleasant to pull off to the side. However, you must in order to protect your vehicle from further damage. This is why we provide you with Roadside Assistance. One call and help will be there for a tow or fluid replacement. Back to top
The in-service date is the day that your vehicle was first driven by the first (original) owner when it was brand new. My Repair Shield Plans do not require the original in-service date. Back to top
All of our automobile protection plans include roadside assistance for the life of your contract. This includes car rental reimbursement and travel interruption protection all part of one insured contract. Back to top
Repairs can be made at the licensed repair facility (including the dealership) of your choice anywhere in the United States or Canada. Back to top
Simply take your vehicle or have it towed (using your road side assistance within mileage area) to the nearest licensed repair facility. After they diagnose the problem with the vehicle, they will call the claims administration department toll-free and receive repair authorization for all your covered repairs. All claims are paid by Credit Card the day the repairs are completed. Back to top
It is important to make sure that your vehicle protection plan is insured. All of our products are fully insured by A rated insurance company. To assure that you claims are handled promptly and professionally all of our payments go directly to the repair facility via corporate credit card. Back to top
My Repair Shield offers numerous plans with several deductibles to meet your needs. Talk to one of our customer service representative to get the deductible that works for you. Back to top
The Plans cover 100 % of all covered components, parts and labor charges less the deductible. Back to top
You can call us at TBD. Schedule a telephone call back from one of our representatives. Back to top
We have taken every measure to make your purchase safe and secure. All of your credit card information is encrypted using Secure Sockets Layer (SSL) Technology. Back to top
Every vehicle on the road is open to the possibility of a mechanical failure. The older the vehicle gets and the more miles that are put on it, the more likely a breakdown will occur. It makes sense that the manufacturer's warranty is only there to protect you for a limited amount of time. Components such as computer-related items could fail regardless of your driving habits. With the complexity of vehicles today one major repair often costs more than the Vehicle protection Plan itself. A Vehicle Protection Plan will be there for you when you need it the most once the manufacturer is no longer there to protect you from high repair costs. Back to top
The earlier you purchase your vehicle protection plan, the less expensive it is. This is just like life insurance. The older a person is the, more expensive the insurance. As your vehicle ages and accrues mileage, the price for protection rises. Prices may also increase due to increasing labor and parts prices. It simply makes sense to lock in today's low prices and protect your budget from tomorrow's rising repair rates. Back to top
Even after the manufacturer's warranty expires on your vehicle, you are still eligible for a vehicle protection plan. Back to top
Yes of course you can purchase similar coverage through your dealer. Although, because the dealer primarily sells new cars they may be limited in the types of coverage they can provide. My Repair Shield offers a full array of coverage and terms to best fit your driving needs and budget. Back to top
The choice is yours. If you prefer your dealer, then we encourage you to go to them. You can take your vehicle to any licensed repair facility of your choice. In fact if you are away from home most plans have trip/ travel interruption protection included to help you work through your unexpected stay. Back to top
Plans offered by My Repair Shield pay repair facilities immediately and utilize industry standard manuals to determine pricing. When repair facilities discover they do not have to bill for payment, they are generally eager to accept the business we refer to them. In the rare event a repair facility will not accept our direct credit card payment; we will reimburse you promptly for the authorized amount. Back to top
The lowest price often does not provide the best value; a closer look will reveal a different picture. My Repair Shield offers the best value in Vehicle Service Plans, and we have plans for almost all of your protection needs. When comparing companies, make sure you are getting the same benefits and coverage. Make sure you are able to look at the contract before you purchase. Be certain that less money does not equate less coverage.
Our customers are looking for comprehensive coverage, and a documented financially stable company. The sign-and-drive roadside assistance, car rental reimbursement, towing and trip interruption benefits are all part of your insured contract. You might find a lower price but you won't find a better value. Back to top
The vehicle protection plan allows you to take your vehicle to any licensed repair facility throughout the United States and Canada. Wherever you may be, the claims department can be reached through the toll-free telephone number for you or the repair facility. Back to top
Your VIN can be located in several places.
- Your VIN is printed on your vehicle Registration card.
- Your VIN is printed on your vehicle Insurance card.
- Your VIN number is stamped on a tag on the dashboard near the windshield.
- Your VIN is printed on a sticker that is attached to the driver-side door edge just below the latch.
The contract contains full details on our refund provisions. You have a full 30 days after purchase to obtain a full refund. After that, you are entitled to a pro-rated refund of the unused portion of your contract. Unlike some companies, we do not pro-rate your refund from the in-service date of your vehicle. This is important because if you keep the warranty for 6 months and you prorate from in-service date, you will probably get charged for 36 months of use. On Plans offered by My Repair Shield you be will charged only for the 6 months. Back to top
When you are enrolled in our program, you have coverage throughout the ownership of your vehicle. If you decide to trade in your vehicle, simply call us and we will calculate a pro-rated refund. The refund is based on mileage and the amount of time the policy is in force, minus a nominal cancellation fee. This ensures you will always be protected. Back to top
Absolutely, For a modest transfer fee you can transfer the plan to another private purchaser of your vehicle. Vehicles with existing coverage typically offer much higher resale values because the buyer knows they are not going to get hit with huge repair costs. Back to top
If you vehicle meets the then current underwriting guidelines you can purchase additional coverage. Back to top
Yes. Please contact one of our specialists or request a quote using the form at the top of the page. Back to top
Our program is not available on vehicles with salvage or junk title, flood title, rebuilt or reconstructed title, or on vehicles where the odometer has been tampered with, or on vehicles that have been declared "a lemon". Back to top