Frequently Asked Questions
What is the difference between an extended vehicle warranty and a Vehicle Service Contract (VSC)?
An extended auto warranty and a Vehicle Service Contract (VSC) are very similar with only a few differences. They both essentially do the exact same thing for the consumer. A VSC is a contract between you and the contract administrator, the company that underwrites the contract and pays the claims when you use it. Although a VSC is commonly incorrectly called an "extended warranty," from a legal standpoint, the term "warranty" can only be used when referring to the manufacturer's original warranty on a new vehicle, which is why you'll never hear us call our coverage a "warranty." The automotive service contracts industry is moving away from this terminology to avoid confusion amongst consumers. Ironically, consumers are still searching the web for phrases like "extended car warranty" instead of "vehicle service contracts" -- as a result, ethical vehicle service contract vendors are at a disadvantage.
How much does a service contract cost?
This is probably the most commonly asked question. Since every plan is different, and every vehicle is different, there is no one-size-fits-all price we can give anyone. Many factors can affect a vehicle's eligibility for coverage, as well as the cost of the plan. Every vehicle has different risk factors depending on the owner's driving habits and the vehicle's location. The most relevant risk factors are typically the vehicle's age and/or mileage. Location can also affect the price, since different regions have different labor rates and climate factors. Some manufacturers use more expensive parts and charge higher labor rates than others, so your brand of vehicle can also affect the rates. We offer flexible no-fee payment plans, and we're always here to help you get a payment out of the way. You're always covered for much longer than you have a payment.
What does a service contract cover?
There are usually many different coverage options depending on the age, mileage, location, and type of vehicle being quoted. Every vehicle is individually qualified for coverage based on it's own unique risk factors at the time of quoting. Since National Repair Solutions is a broker of service contracts, we use four different contract administrators to find you the plan that covers the most components for the lowest cost. An Exclusionary, or "New Car" plan is the most similar thing to the original factory warranty. New Car plans will simply list the things which are not covered, like routine maintenance, and wear & tear components, such as tires, paint, glass, upholstery, etc. Any other type of plan, such as a Comprehensive or Powertrain plan, will list all covered parts, and if a component is not listed, it's not covered. Check out Our Contracts page to learn more about the different types of plans we offer.
How do I use my service contract?
When your vehicle needs a repair, you or your mechanic will need to call the claims number located on your policy ID card. Much like any kind of insurance, a claim is started and pre-authorized over the phone. Once the repair work is complete, the administrator pays for all covered repair costs directly to the shop. Claims should be approved over the phone before any work is performed, so you're never in a situation where your vehicle's being worked on without you knowing if it's covered or not.
Where can I use my service contract?
You're welcome to use any of our policies at any certified mechanic or any dealership of your choice nationwide. The standard for mechanic certification is Automotive Service Excellence, or ASE. You can tell if a shop is ASE-certified by a blue sticker in the window with the white letters ASE in the middle. Or you can simply ask the shop if they are ASE-certified. If they aren't ASE-certified, you probably don't want to have your car serviced there in the first place. For a list of certified repair shops in your area, give us a call.
I found some cheaper coverage online. Why choose NationalRepairSolutions.com?
There are certainly cheap contracts out there, but in our industry especially, you get what you pay for. If the price you're being offered seems too good to be true, it is often just that. With what repairs cost, if the policy cost is substantially lower than industry standards, there is something being sacrificed somewhere in the fine print. Our administrators are all backed by AM Best A-rated insurance companies with solid reputations of paying claims. One thing to avoid in particular is an unusually cheap program administered by a Risk Retention Group. The best type of VSCs are backed by insurance companies which must adhere to strict government regulation designed to protect consumers.
I heard that any "extended car warranty" or VSC is a scam.
When trying to distinguish a good VSC from a bad contract, it is important to remember that, like most VSC companies, National Repair Solutions is a VSC broker. Every contract is different because every VSC has it's own administrator with it's own track record. All contracts offered by National Repair Solutions are administered by the most reputable companies with top Better Business Bureau ratings, which you don't get from ripping people off. There used to be a few shady entities in the automotive service contract industry who gave every company a bad name. Today the "auto warranty scam" is largely a thing of the past, thanks to the efforts of ethical industry participants who banded together to protect the integrity of the vehicle service contracts industry. But years ago, "auto warranty scam" and "car warranty scam" were frequent leads in the nightly news -- all because a few unethical companies decided that it was OK to rip-off their customers. Consumers were mad, regulators were mad, the Better Business Bureau was mad -- but nobody was angrier than the many companies who had always followed the rules and treated their customers right. Suddenly, because of a few bad apples, the reputation and integrity of the entire industry was at risk. But that was then; this is now. While there are many "complaint" or "scam" websites bashing service contracts, it is important to remember that these sites don't show consumers the thousands of satisfied customers who don't go online to write about it when they use their contracts with no problem.
Check out 'Our Contracts' page to view our different plans and their respective administrators.
Why does my policy have a waiting period (grace period) before I can use it?
Since we take your word on the condition of the vehicle, every policy comes standard with a grace period to ensure that there are no pre-existing problems when you set up your policy. It would cost the companies a lot of money to physically dispatch people to inspect the thousands of vehicles covered every month, a cost that would be passed along to the consumers. Instead, you must simply wait a short amount of time and drive a small amount of miles before being able to use your policy.