How to Make a Claim on an Extended Car Warranty

January 27, 2012

If your car breaks down, and you have purchased an extended car warranty to help protect you from the cost of expensive repairs, you will need to make a claim to the warranty company in order to receive coverage. Some companies may require that you pay for repairs first and then submit your claim for reimbursement. Still, other warranty providers may ask you to take your vehicle to a preferred service provider and pay the repair shop directly. Either way, the claims process is similar in many ways. So, here is a convenient step by step guide to help you through the process.

What You Will Need

  • Your extended car warranty policy documentation
  • Repair bill estimates and quotes
  • Enough money to cover any applicable deductibles 

Step 1 - Prepare Your Documents

Before you get started, gather all of the paperwork and documentation that you will need in order to process your claim. Locate the copy of the warranty contract that you should have received when you purchased the extended warranty coverage. Also gather any repair bill estimates or quotes you may have received.

Step 2 - Review the Warranty Contract

Once you have gathered all of the relevant paperwork, take a few minutes to carefully review the terms of your warranty contract. Different warranty companies provide varying levels of warranty protection. The level of protection afforded to you by your warranty contract will usually depend upon the amount that you paid for it. So, make sure that the needed repairs are covered under the terms of your warranty contract. If they are not, you will probably be required to pay the entire cost of the repair out-of-pocket.

Step 3 - Contact the Warranty Company

If you have determined that the repairs should be covered under the terms of your warranty contract, locate the contact information and call the warranty company at the telephone number provided in your paperwork.

Once you have a representative of the warranty company on the phone, ask him/her if your car's needed repairs are indeed covered under the terms of the contract. Also, ask the representative if you should pay for the repair bill first and then seek reimbursement or if the company has a specific mechanic or repair shop that they'd like to use. Also, ask them about any deductibles that will need to be paid by you before the claim can be paid.

Step 4 - Arrange for Repairs or Take to Preferred Mechanic

Once you have contacted the warranty company, follow the directions for either arranging for repairs on your own and seeking reimbursement, or take your vehicle to the warranty company's preferred shop. If you are arranging repairs on your own, the warranty company will probably require that you submit at least two or three different repair estimates and ask that you choose the least expensive of those offered.

On the other hand, if you take your vehicle to the warranty company's preferred provider, the warranty company will usually arrange payment directly with the repair shop.

Step 5 - Pay the Repair Bill or Deductible

If you have arranged the repairs on your own, pay the repair bill as you normally would if you had no warranty coverage. Even if you do not have to pay the repair bill in advance, you will probably be required to pay that deductible amount at the time you pick up your vehicle from the repair shop.

Step 6 - Submit Paperwork for Repair Payment or Reimbursement

Once you have picked up your vehicle from the repair shop, complete all necessary paperwork to finish the processing of your warranty coverage claim. If you've paid the repair shop directly, send a claim so that you can be reimbursed by the warranty company. If you use the warranty company's preferred provider, complete the claims paperwork so that the warranty company can make payment to the repair shop and finalize your claim.

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