Vehicle Coverage FAQs
What is a vehicle service contract?
It is an optional agreement that may help pay for eligible mechanical repairs. Coverage depends on the written terms, covered parts, exclusions, limits and required authorization. It is separate from automobile insurance and a manufacturer’s warranty.
Who am I buying from?
Nationwide Autoprotect LLC helps you compare options and enroll. Your written agreement identifies the administrator that handles claims and the provider or obligor responsible for the contract. Nationwide Autoprotect does not approve repair claims.
How much will my plan cost?
Your quote depends on your vehicle, mileage, state and selected agreement. Ask for the total contract price, down payment, payment schedule and deductible before choosing a plan. A monthly payment alone does not show the total cost.
Is my vehicle eligible?
Eligibility varies by vehicle age, mileage, condition, use, location and contract. Have your year, make, model, mileage and VIN ready when you call. Tell the representative about modifications, commercial use or existing mechanical concerns.
When does coverage start?
Review the effective date and any time or mileage waiting period in your agreement. Requesting a quote does not activate coverage. Ask which conditions must be met before benefits are available.
Are existing problems covered?
Do not assume a new agreement will pay for a problem that already exists. The posted sample agreements exclude pre-existing breakdowns. Explain current symptoms before enrolling and review the applicable exclusions.
Does every plan cover the same repairs?
No. Listed-component plans cover specified parts; exclusionary plans describe coverage through their exclusions and other terms. Compare the exact components, benefit limits and optional packages in the agreement offered for your vehicle.
How do I request a repair claim?
Follow the instructions in your agreement. Have the repair facility contact the administrator for any required authorization before work begins. Keep maintenance records and repair documents available. Follow the agreement’s separate instructions for emergency repairs.
Can I choose my repair shop?
Check the repair-facility requirements in your agreement and confirm them with your administrator. The shop must follow the claims process and obtain any required approval. Do not assume every shop or repair is eligible.
What will I pay when repairs are needed?
You may owe a deductible and amounts for excluded repairs, diagnosis or charges above contract limits. Ask the administrator what is authorized and ask the shop to explain your portion before approving work.
Do I need to keep maintenance records?
Yes. Follow the maintenance requirements in your agreement and retain dated receipts showing mileage and work performed. A service contract does not replace regular vehicle maintenance.
How do cancellation and refunds work?
Follow the written cancellation instructions for your agreement. Refund eligibility, calculations, fees and required documents vary by contract and state. Contact Nationwide Autoprotect LLC for help locating the correct instructions.