Service Agreement Program Evanston Il Scam
When buying a used car, pay attention to the buyer`s driver who has been posted on the side window. The FTC is requesting a guide for all used vehicles sold by dealers. The question is whether a service contract is available. It also indicates whether the vehicle is sold with a warranty, only with unspoken guarantees or “as it is”. Typically, the price of the service contract is based on manufacturing, model, condition (new or used), coverage and duration of the contract. Advance fees can range from one to several thousand dollars. In addition, you may have to pay a deductible. Find out if the deductible is calculated by visit or repair. It can make a big difference. Suppose you have a $100 deductible and your car needs to be repaired in three.
With the per-visit deductible, you pay $100. If you have a deductible per repair, you pay $300. Receive his pink letter with the warning “RESPONSE TO THIS NOTICE REQUESTED.” This is just one of the many letters and phone calls, ALL SCAMS that will be received after the purchase and registration of a vehicle. Ask a service manager at a dealer if these guarantees are worth it. The only extended warranties that are worth something are those purchased through the manufacturer. They are much cheaper and the costs are negotiated. Automotive service contracts are sold by automakers, car dealers and independent suppliers. If you are considering a service contract, shop around so you understand exactly what you`re buying. Few service contracts cover all repairs.
Frequent repairs to parts such as brakes and clutches are generally not included in automotive service contracts. The best advice: if an item is not mentioned, you assume it is not covered. Pay attention to absolute exclusions that refuse coverage for any reason. Example: If a covered part is damaged by an uncovered part, the claim may be dismissed. Or if the contract provides that only “mechanical failures” are covered, problems caused by “normal wear” may be excluded. If the engine needs to be disassembled to diagnose a problem, and during the process, the mechanic discovers uncovered parts that need to be repaired or replaced, you may have to pay for the work involved in demolishing and reassembling the engine. You may have to pay for covered repairs and wait for the service company to reimburse you. If the car service contract does not usually indicate the duration of the refund, ask.
Find out who needs to settle claims in the event of a dispute with the service contract provider and use a dispute resolution program. Title: I have one thing in the mail about the warranty of my car and I`m not sure it was a possible fraud Some car service dealers and dealers offer a service only in certain geographic areas. Find out if you need prior authorization from the contract provider for repairs or towing services. Make sure it takes time to get permission, if you can get an authorization outside normal business hours and if the company has a green number for authorization. Test the green number before you buy the contract to see if you can pass easily. If you think you have been the victim of automatic warranty fraud, you file a complaint with the FTC. Although the FTC does not intervene in individual disputes, the information you provide may indicate a pattern of possible violation of the law that requires the commission`s intervention. Compare service contracts with the manufacturer`s warranty. New cars have a manufacturer`s warranty that typically offers coverage for at least three years or 36,000 miles, depending on what happens first. A service contract is likely to bring benefits only after the manufacturer`s warranty has expired.
Check the documents to make sure this applies before you accept the purchase of a service contract. As it is – no guarantee. If you buy a car “as you see it,” you will have to pay