Does Endurance Pay Vehicle Claims?

A male auto mechanic discusses a contract with a female customer.

Whether you’re on your way to work, school or the grocery store, unexpected mechanical failures can occur and leave your vehicle in need of repairs. When this happens, you might be concerned about whether or not your vehicle protection coverage will take care of the costs.

Luckily, with Endurance, your repairs will likely be covered. Even if you currently don’t have Endurance, understanding our vehicle protection plans may help you decide on a future safeguard, and we offer affordable options to fit your budget.

For a more in-depth explanation of our vehicle protection plans and the claims process, we’ve assembled the following information:

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What Is a Breakdown?

Before covering the specifics of a claim, let’s define what a breakdown is. Quite simply, a breakdown is when a component on your vehicle fails to perform the function for which it was designed and needs to be repaired or replaced. If you have a vehicle protection plan, like those offered by Endurance, you’ll be able to file a claim to potentially cover the repair costs.

To outline this in a real-world scenario, let’s look at a hypothetical situation where an Endurance vehicle protection plan may come in handy:

Imagine you’re driving down the road when suddenly you hear loud noises from under the hood of your vehicle. Your car seems to be struggling to go another inch, so you safely pull over to the side of the road. Fortunately for you, you’re an Endurance customer who receives 24/7 roadside assistance with your protection plan, so your vehicle is taken to a repair shop by a tow truck.

Once there, you show the service manager your contract with your Endurance coverage plan. After determining the problem is with your vehicle’s transmission, they reach out to Endurance for authorization on the needed repairs. After the repairs are approved, all you have to do is pay your deductible and wait for your car to be fixed. The repair costs are covered with your Endurance protection plan.

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 The Process of Filing a Claim

Endurance aims to make the claims filing process simple with our trusted and transparent vehicle protection packages. Here are a few steps to follow to ensure your claim is filed properly and you get your car back out on the road as quickly as possible.

Visit a Licensed Repair Facility

In the event of a breakdown, take your vehicle to a local licensed repair facility of your choosing utilizing Endurance’s free 24/7 roadside assistance. We also recommend working with a repair facility that employs ASE Certified mechanics. These highly skilled technicians have demonstrated the knowledge and skills to diagnose, service, and repair all aspects of a motor vehicle.

Endurance works with trusted mechanics and licensed repair shops so that your vehicle receives the highest-quality service possible. For a list of recommended licensed repair facilities in your area, visit the RepairPal website or call the Endurance Customer Service team at 1-866-432-4443.

Contact Endurance for Authorization

The next step in the claims process is for the repair facility to reach out to Endurance to begin your claim. Endurance will review and document all of the necessary auto repairs with your repair facility to help you get the maximum benefits from your auto protection plan. After your claim is filed, we will then complete a final review to issue authorization.

Review Your Coverage and Pay Any Deductibles

After your claim is submitted to Endurance, we recommend speaking with the shop’s service manager to understand the repairs that need to be done to your vehicle. Also, review your Endurance contract and specific protection plan coverage for insight into which repairs may be covered and if you need to pay a deductible, as each package can vary.

We’ve broken down Endurance auto protection plans below for a more detailed overview of the options available and what may be covered in your situation. You can also reach out to our Customer Service team to help review your vehicle protection plan.

Secure

The Endurance Secure plan is the most affordable powertrain coverage plan that we offer. This package protects the most vital components of your vehicle that are often the costliest to repair. Key components of your vehicle, such as the transmission, water pump, and even lubricated parts of the engine are covered to give you peace of mind.

Coverage may include:

  • Drive Axle
  • Engine
  • Transfer Case
  • Transmission
  • Turbo/Supercharger

Select Premier

Our Select Premier package is the ideal coverage plan for those with high-mileage vehicles (up to 150,000 miles) seeking an unrivaled level of auto protection. This package focuses specifically on vehicle components for high-mileage cars, in addition to other electronic and A/C parts.

Coverage may include:

  • Air Conditioning
  • Cooling System
  • Drive Axle
  • Electrical Components
  • Engine
  • Fuel
  • Transfer Case
  • Transmission
  • Turbo/Supercharger

Superior

The Superior coverage plan offers specific and comprehensive coverage on hundreds of specific components, from your rear suspension to the engine.

Coverage may include:

  • Air Conditioning
  • Brakes
  • Cooling System
  • Drive Axle
  • Electrical Components
  • Engine
  • Suspension
  • Fuel
  • Steering
  • Transfer Case
  • Transmission
  • Turbo/Supercharger

Supreme

For those with a Supreme plan, you are receiving the closest thing to manufacturer-level coverage that is possible. Get immediate peace of mind with coverage and total protection for sudden breakdowns as the Supreme package covers almost all of it.

Coverage may include:

  • Air Conditioning
  • Brakes
  • Cooling System
  • Drive Axle
  • Electrical Components
  • Engine
  • Suspension
  • Fuel
  • Gaskets
  • Steering
  • Transfer Case
  • Transmission
  • Turbo/Supercharger

Secure Plus

An enhanced version of the Secure package, this Plus variant provides more coverage. Major powertrain coverage and protection for components such as brakes, engine, transmission, air conditioning, and electrical components help this package stand out.

Coverage may include:

  • Air Conditioning
  • Brakes
  • Drive Axle
  • Electrical Components
  • Engine
  • Steering
  • Transfer Case
  • Transmission
  • Turbo/Supercharger

EnduranceAdvantage™

The newest vehicle protection plan available is EnduranceAdvantage. It includes extensive component protection while offering unique maintenance coverage, such as oil and filter changes, brake pad and wiper blade replacements, and much more! Advantage breakdown protection coverage plus unrivaled maintenance benefits equal the ultimate protection.

Endurance Elite Benefits

Each Endurance vehicle protection plan comes with one year of Endurance Elite Benefits that offers perks like 24/7 roadside assistance, key fob replacements and more.

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How Paying the Claim Works

Depending on the Endurance coverage options you have for your vehicle (or which ones you are considering), the claims process may look different. Your contract will have a comprehensive list of coverage included.

After sorting out which repairs are covered from the claims process, you just need to pay the agreed-upon deductible in your contract for the repairs. After the repair shop has successfully fixed your vehicle, send all documentation to Endurance within 30 days to complete your claims process. With other Endurance auto protection plans, your car’s repairs may be covered under your contract and you might not need to pay additional out-of-pocket costs.

As an Endurance customer, you’re given a contract and membership card, which is your proof of coverage to get your claim paid. Once your claim is approved, the shop performs the repairs and submits an invoice directly to Endurance. We take care of the costs of parts, labor, and taxes associated with your auto protection plan.

Choose Endurance for Your Vehicle Protection Needs

For 15 years, Endurance has covered countless customers in their claims processes and has paid over $100 million in claims since 2006. Consumer Affairs highly recommends Endurance, and we’re highly rated by customers on major review sites, like Google, Trustpilot and more.

Additionally, we are the only direct administrator in the U.S. that is Gold-Certified by the Vehicle Protection Association (VPA) – a preeminent organization that promotes regulatory transparency, education, and accountability compliance for the servicing of vehicle service contracts.

As the industry leader in vehicle service protection, Endurance can deliver you peace of mind when making a claim to repair your automobile. Whether you’re considering one of our coverage options or simply have a question about your existing plan, contact us online or call at 1-866-432-4443 for a free quote.

A Vehicle Service Contract (VSC) is often referred to as an “auto warranty” or an “extended car warranty,” but it is not a warranty. A VSC does, however, provide repair coverage for your vehicle after the manufacturer’s car warranty expires. A VSC is a contract between you and a VSC provider or administrator that states what is a covered repair and what is not. Not all vehicles qualify for coverage; Endurance does not offer VSCs in California.