America's Advocate for
Vehicle Protection Plans

How to File a Vehicle Service Contract Claim

Your vehicle needs major repair. Fortunately, you purchased a vehicle service contract, so you can expect the repair process to proceed as smooth as clockwork, right? Not so fast . . . To get your vehicle back on the road, you will first need to successfully navigate the vehicle service contract claim process.

The VPA and the vehicle service contract industry have taken steps to make the claims process as painless as possible for consumers. Nonetheless, there are a few steps you will need to take to facilitate a hassle-free claim experience.

1. Review Your Service Contract

The first step is to carefully review your vehicle service contract, paying close attention to the coverage it provides. Since vehicle service contracts offer variable types of coverage, you can’t automatically assume that the repairs to your vehicle will be covered under the terms of your contract. If the repairs your vehicle needs aren’t covered under your contract, you will likely be required to pay the full amount out-of-pocket.

2. Contact Your Vehicle Service Contract Provider

If you believe your vehicle repairs may be covered under your service contract, the next step is to get in touch with your service contract provider using the contact information contained in the contract. When you talk to your service contract provider, it is important to ask about deductibles, preferred repair providers and if the provider will pay the repair shop directly or will reimburse you for the repair expense. The provider representative will be able to tell you whether the necessary repairs are covered under the terms of your contract or whether you will be responsible for the full cost of repair.

3. Identify a Service or Repair Shop

Some vehicle service contract vendors work with preferred repair providers. Although you are free to shop around for your own repair shop), repair providers who employ ASE Certified technicians streamline the process. Since service contract companies pay many repair providers directly, you don’t have to shop the repair marketplace or be reimbursed by the service contract company.

4. Inspect Your Repairs

When you pick up your vehicle, it’s important for you to make sure the repairs have been performed to your satisfaction. If you will be reimbursed for repairs, you will need to pay for the cost of the work before your vehicle leaves the shop. You may still be required to pay the amount of your deductible when you pick up your vehicle.

5. Submit Documents for Payment or Reimbursement

Consumers are typically required to complete paperwork for either reimbursement or to authorize direct payment to the repair shop after repairs have been completed. If you are unsure which documents need to be returned to the vehicle service contract company, contact your service contract provider directly for more information.

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