Why Do I Need an Inspection, Others Don’t Require Them?

Why Do I Need an Inspection, Others Don’t Require Them?

We are asked this question quite often. Why do you think we ask our customers to take this additional step? 

Two reasons:

An inspection protects you as well as Warranty Direct

We are in the business of paying claims and not denying them due to “pre-existing conditions”. Denying claims due to pre-existing conditions is a favorite pastime of many warranty companies. If you do a few Internet searches, you’ll see that to be true.

Here’s what you find in warranty contracts that don’t require inspections:

‘We will not cover the repair/replacement of a covered part to correct conditions that may reasonably assumed to have existed at the inception date of the coverage provided under this contract”

Buy Direct or From a Broker?

Buy direct from the company responsible for paying your claim. A warranty broker bears NO responsibility to you. Here’s what an online warranty broker has written on their web site. We think it says it all.

FAQ: I understand that  <warranty company>  is a warranty broker. Who am I actually purchasing the warranty from?

It is important to note that <warranty company> is a broker of auto warranties and has negotiated the best price and coverage for you with the actual warranty provider. We do not process or pay for any claims. These matters are handled by your warranty company. You are actually purchasing the warranty directly from the warranty provider you’ve selected and any claims should be directed to their claims department. Please keep the warranty company claims phone number provided in your vehicle in the event you need to have repairs done.

Differences Between Exclusionary and Named Component Warranties

Bumper-to-bumper auto warranties represent the highest level of coverage available.  Be careful, many companies use this term quite loosely.  By definition, a bumper-to-bumper plan is exclusionary, that is, it will only list the parts NOT covered, just like your factory warranty.  Make sure to read the full list of the exclusions as they are not all the same. If an extended warranty lists the items that it covers, it is NOT a true bumper-to-bumper warranty.

Named component auto warranties (there are many different levels of named component coverages) will list the parts that are covered. If a part is not on the list, it is not covered. You can buy an extended car warranty with as few as 50 or so parts covered to as many as 750 with varying levels in-between. Don’t be fooled, while a named component automobile warranty may look as complete as a true bumper-to-bumper warranty, they are not nearly as comprehensive.

Official Blog of Warranty Direct

extended car warrantiesWelcome to WarrantyInfo.com

There are many factors one should consider before selecting a car warranty company.

Longevity and a proven track record are two important factors. Warranty Direct is the consumer division of one of the oldest and largest independent automobile warranty providers in the US. Our expertise in car warranties is unmatched with nearly 30 years of experience, over 2 million car warranty contracts sold and over $600,000,000.00 in paid claims. Click here to continue.

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