Extended Warranties
An extended warranty, sometimes called a service agreement or a maintenance agreement, is a prolonged warranty offered to consumers. This portal is a place to learn about extended warranties and share opinions and advice about them.
Extended Warranty Contracts - What is Wear-and-Tear Coverage?
Wear and tear protection is the highest level of coverage one can purchase. Warranty Direct provides coverage for parts that break as well as those that wear out. As many as 30% of all claims filed are wear and tear related. It is a much broader level of coverage than the mechanical breakdown only plans offered elsewhere.
Most extended warranties define "mechanical breakdown" as a defect in parts and workmanship as supplied by the manufacturer, or a defect that makes the part unable to perform the function for which it was designed. Often, they will state that the gradual reduction in operating performance (wear-and-tear) is not covered. Service contracts that exclude wear and tear will not cover repairs needed because a part’s performance has gradually deteriorated because of normal wear and tear, unless a mechanical breakdown has occurred.
The more miles on a car when a repair becomes necessary, the more likely it is that the repair will be needed because a part wore out, rather than because the part broke due to poor manufacturing. Again, many extended warranties do not cover parts that wear out.
Before buying an extended warranty, you should carefully review what is covered and not covered to see whether wear and tear claims are excluded from coverage. That way, if it is not clear whether a repair is needed due to a manufacturing defect or simple wear and tear, it is more likely that the service contract company will pay for the repair. It is a mistake to assume that a repair agreement will cover every repair your car may need.
Read more about wear and tear from the California Department of Insurance:
Founded in 1980, Warranty Direct is the direct-to-consumer division of one of North America’s leading providers of service contracts and extended warranties for automobiles. Through its automobile extended warranty portals, www.warrantydirect.com, www.carwarranty.com, www.warrantyinfo.com and www.warrantydirect.ca , Warranty Direct leads the industry in efficient and expedited claims handling, impeccable customer service and a technology infrastructure that far surpasses the industry standard. Coverage is available in all 50 states and many parts of Canada.
For a free, instant online extended warranty rate quote, please click here.
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