It is important to know the company that is promising to pay you if your car breaks down. A contract is only as good as the company that backs it. All contracts sold through Atlas Warranty Services are backed by Capitol Administrative Resources and Royal Administration, the top two administrators in the industry. Along with our top administrators all contracts are financially backed by Bank of America.

An extended service contract is an important option. With the high technology built into today's cars, repair costs have risen dramatically and will continue to do so. With just one major after-warranty repair, the contract could easily pay for itself. All vehicle manufacturers strive to have the best product; however, anything mechanical could eventually require repairs.

Most new vehicles come with a 3 year /36,000 mile bumper-to-bumper (comprehensive) manufacturer’s warranty. Once the manufacturer’s warranty expires, Vehicle Service Contracts take over – if you have one. A Vehicle Service Contract provides for repairs of covered components during a specific period of time or a certain number of miles driven.

Any licensed repair facility. The repair facility merely contacts the claims administrator to arrange for payment.

A deductible is the amount you pay for any covered repair. For instance, if your deductible is $100, and a covered repair is $500, then you would pay the first $100 and your extended protection plan would cover the remaining $400.

If you cancel your contract and get your pro-rated refund. There is no need for it to continue.

Yes. The contract is transferable. While the existence of a vehicle protection plan will not impact the “blue book” price of a car, potential buyers of your car will certainly feel far more comfortable buying your car if it has an extended service contract. A service contract may not increase the resale price, but it may sway a buyer to purchase your car instead of another car which is not covered.

A solid extended service contract company will offer you three layers of protection, the administrator, the insurer and the reinsurer. Insurance provides peace of mind, however the administrator is the company that handles claims. They are often NOT the company selling you your protection plan.The insurers financial strength is the most important factor in buying a vehicle protection plan. In addition to owning our own financing and administrator, all our products are insured by an A- rated A.M. Best insurance company.

Many vehicle protection plans exclude repairs needed due to "wear and tear." A large number of car repairs are needed because a part wears out from a long period of use, not because it was poorly built. Many vehicle protection plans 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 after warranty protections plans do not cover parts that wear out.

Before buying any after warranty protection plans, 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.

We do NOT have an overheating exclusion in our contract. While many vehicle protection plan providers shy away from damage caused by overheating, we take a much different approach. Although damage sustained when a vehicle overheats can be severe, we take care of all repair costs for covered components provided the vehicle does not overheat due to negligence and provided you act immediately to prevent unnecessary damage when your vehicle overheats. In fact, if your vehicle overheats and you require a tow or fluid replacement, We offer FREE Roadside Assistance to make sure you get taken care of... fast!