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True Bumper-to-Bumper Coverage – if
the plan lists the items that are covered, it is Not a
bumper-to-bumper plan. By definition, a bumper to bumper
plan is exclusionary, that is, it will only list the few
components that are not covered. Typically these include
cosmetic and maintenance items.
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Wear and Tear Protection – This means
that you are covered for parts that break as well as
those that wear out. All covered parts in a policy
should include a “wear and tear” provision. A lot of
plans have wear and tear exclusions, such as struts,
piston rings, valves or other expensive components that
wear out and will not be covered. Beware of “Mechanical
Breakdown” plans, they often have wear-and-tear
exclusions, thus offering you less coverage.
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Overheating – Look for a plan that
does not exclude damage due to overheating.
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Roadside Assistance – You want a plan
that offers a Free nationwide Roadside Assistance plan.
You want to be covered per occurrence. Not an out of
pocket reimbursement plan, that is tied to only covered
repairs. A good policy includes: Emergency Road Service*
Towing * Mechanical First Aid * Emergency Tire Service *
Battery Assistance * Gasoline Delivery * Fluid Delivery
* Emergency Lock-out Service * Nationwide Coverage *
Toll Free 800 Number * 24 Hours a Day/365 Days a Year
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Car Rental – Should your vehicle have
to remain overnight for a covered repair.
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Trip Interruption – Should your
vehicle become disabled more than 100 miles away from
home and the repair is covered under your contract,
reimbursement for lodging and meals.
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Nationwide Protection – Repairs can be
made at any repair facility in the US or Canada.
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Choice of Deductibles – Most
automobile plans offer $0, $50 and $100 deductible
options.
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Renewals – A plan that may be renewed
for continuous one-year terms for as long as you own
your vehicle.
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Transferable – The ability to transfer
your coverage when you sell your vehicle, for a modest
fee, which will increase your vehicle’s resale value.
