3-Reasons an Extended Auto Warranty Claim Could Be Denied

3-Reasons an Extended Auto Warranty Claim Could Be Denied

dealership warrantyBuying a car can be a huge investment for a person. Whether it is your first vehicle and you can’t wait to get behind the wheel, or you’re trading your old vehicle in to get something a little more updated, either way it will generally result in a lot of money being spent. And whether you have saved up the entire amount or want to finance the cost of your car, there’s one thing that all drivers will eventually deal with: auto repairs. But these annoying and expensive repairs are nothing to worry if you have purchased an extended auto warranty to protect your vehicle, but be sure that you keep track of a few things so you can avoid a denied claim. We’ll give you all the information you need to ensure that you’ll have complete peace of mind behind the wheel.

While there are many options out there, and each company will be different, the following guidelines will help with making the claims process much easier and ensure that you aren’t paying out of pocket for repairs. Of course, it is smart to read your coverage and go over it with a fine-tooth comb to fully understand what will and will not be covered. One of the most common grievances that we hear from customers who have had a bad experience with a not-so-great auto warranty company or purchasing a policy from a dealership is that they didn’t know certain items were not covered. By going over it with a friend or family who knows a lot about cars or a trusted mechanic, you’ll be sure that the policy is the right choice for you!

Why Every Driver Needs an Extended Auto Warranty

extended warranty denied claimsWhen your car was new it was protected with an auto warranty from the manufacturer, commonly referred to as the Factory Warranty. This coverage was placed upon your vehicle as a way to give consumers a sense of reliability that the vehicle that they purchased was free of defects in parts and workmanship. These manufacturer warranties are a way of letting consumers know that they can trust the manufacturing process and that if anything were to go wrong, the maker will stand behind their product and take care of repairs. Basically, it works the same way as any other warranty would for your television, cell phone, or big-name appliances.

But while this coverage is extremely beneficial and will allow drivers to rest easily knowing that a costly repair won’t just fall into their laps anytime soon, these warranties do not cover your vehicle indefinitely. In fact, once the specified time or mileage has expired, nothing else will be covered by the manufacturer, even if it is only a few days after expiration. As we like to say: When it’s gone, it’s gone!

However, there is the option of an extended auto warranty that will supply you with an almost identical coverage to the one that you got from the manufacturer. However, it is generally not from Cadillac, GMC, or any other manufacturer, but rather a third-party company. These extended car warranty companies will offer you coverage for your car at the fraction of the price of what a dealership will offer you, because they cut out the middleman. Not to mention that they can save you thousands of dollars on auto repairs.

A lot of drivers may have reservations when considering whether or not to buy an extended auto warranty, and we completely understand that sentiment. We are fairly certain you spent a great deal of time going over the pros and cons of buying your car as well. But because your vehicle was such an important purchase, wouldn’t you want to protect your investment and ensure that it will last you as long as possible. We don’t know about you, but when we buy something we expect to get the biggest bang for our buck, and plan to drive our cars until the wheels fall off. With a used car warranty, you’ll ensure your car continues to run and that any needed repairs along the way will be covered.

Because buying a protection plan for your vehicle is such a smart decision that can safeguard you from unexpected breakdowns and costly repairs, we know that you will want to take every precaution to ensure that the policy you purchase is the right one for you. When you call to get a free quote from Endurance, take the time to really talk with our Vehicle Protection Specialists and go over everything. We know you’re doing the right thing by protecting your vehicle, now let us steer you in the right direction to avoid any bumps in the road.

3-Ways to Avoid an Extended Car Warranty Denied Claim

While I am very happy to say that over the four years that I have worked at Endurance, I haven’t seen many denied claims during my time here. That being said, they do happen. Sometimes it is due to a known issue on the vehicle that the driver did not disclose, other times it might be something that is merely just not listed for coverage. This is why we go over everything with our customers before they buy. But to be sure that they never have to experience any issues during the claims process, we have compiled the following list of tips to avoid a denied claim from your extended auto warranty

Keep Track of Your Records– One of the most important things you can do, regardless if you have an extended warranty for your car or not, is to make sure you keep all records for repairs, maintenance, and oil changes. By ensuring you have maintained necessary upkeep for your vehicle, it will give inspectors and technicians valuable insight to the condition of the vehicle. By providing valid documentation of required upkeep, you ensure

Don’t Skip Required Maintenance– Skipping a tune up or two might not seem like a big deal, but it has the potential to negatively impact the status of a claim. For example, skipping oil changes until your engine finally begins to wear out and fail, would be seen as neglecting maintenance and depending on what is determined the cause of failure, it could lead to a denied claim. Scheduled maintenance is not just a way to keep your car running in the most efficient manner, but also as a way to ensure that covered repairs will always be accepted.

Resist the Urge to Modify the Car– We know that you are probably truly, madly, deeply in love with your car, and if not, then you at least most likely want to keep it looking its nicest. Many times vehicle owners wish to add their own personal touch to their car in an attempt to make it their own. Small modifications such as interior or exterior cosmetic changes may be permitted by your warranty provider, but bigger modifications that could affect the way your car runs could be a huge “no-no” as it could be the reason other components failed. It’s best to keep your car in commuter condition rather than expecting to see it on screen in the next Fast and Furious movie.

While the instances involving denied claims at Endurance rarely happen, there is always the chance that a driver may experience one due to one of these reasons. This is why we always go over these precautions with potential customers so they are fully aware of what they are getting into. We would hate to see you spend your hard-earned money, only to see that because of a mistake you experience an issue with your policy. But regardless of whether or not that happens, Endurance Customer Service is always here to help.

 

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*A Vehicle Service Contract (VSC) is often referred to as an “extended auto warranty”, but is not a warranty.  A VSC does, however, provide repair coverage for your vehicle after the manufacturer’s 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. Endurance is an administrator of VSCs and does not sell warranties.*

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.