Frequently Asked Questions

Claims
Where can I take my car for repairs?

Our administrators work closely with ASE certified repair facilities. This includes most dealer service centers, independent and franchise repair centers.

Once I buy the contract, can I bring my car in next week to get it fixed?

No. There is a waiting period (usually 30 days/1,000 miles but varies with each contract) from the odometer reading and sale date of the service contract. During this time, administrators are unable to authorize payments on claims. Why? We don’t want folks to buy a contract knowing the vehicle has existing failures, and use the vehicle service contract as an excuse to fix their car. We want our prices to be competitive and affordable for YOU.

Do I need service records for every claim?

Not every claim will require maintenance records, but some do. If the claim is for a maintenance related item our administrators will ask to review your records. Occasionally our administrators will ask for service records to verify your mileage on your contract in order to verify you were provided the correct coverage.

How many claims can I make?

As long as your claim is legitimate and authorized, you can make as many claims up to the total payout for the plan that you select. This total payout varies between $12,000 to $15,000 in total claims paid/reimbursed from the claims administrator.

How long does it take for the repair facility to get paid?

The claims administrator wants to make this process as convenient as possible for you. Payment is made by corporate credit card directly to the repair facility. Once a completed invoice from the repair facility has been received, it normally takes 30 minutes or less for the payment to process. In the event the shop does not accept credit cards, payment will be by check.

How much of my claim will the administrator pay?

Our administrators use nationally recognized guides that are updated daily. These guides show manufacturer suggested list prices for parts and labor times to complete each repair. Our Vehicle Service Contract Specialists will work to get you the best prices for parts and service. Our administrators are required to document all of their decisions and they have a financial responsibility to verify all charges submitted by the repair facility.

What is covered by my service contract?

We offer a wide range of coverage options to meet your budget needs and driving habits. Please refer to each contract for the details of items that are covered and those that are not covered.

How much do I need to pay when I file a claim?

Generally speaking, you will pay your deductible 5he claims administrator will pay for any covered repairs per the terms of the contract. Occasionally, a repair shop might inflate prices for the parts that need to be replaced. If this occurs, you can either wait for the claims administrator to ship the parts to the repair shop and not pay anything additional, or choose to use the shop’s parts and pay the additional cost. In any case, we make sure YOU make the decision on how to proceed.

How do I get a rental car?

Many repair facilities have loaner cars or have a rental facility onsite. However, if your repair facility does not provide rental cars, contact your local rental car company and retain your receipt. Once your vehicle is repaired, simply submit your rental receipt for coverage. [You must have an authorized and coverable claim to receive reimbursement.] Please see your specific service contract coverage pages for exact terms. Just like claims, rental is authorized once the claim is authorized.

Do I get a rental car if I cannot drive my car for a few days?

Please see the provisions in your specific contract. For several of our plans, you can rent a car for up-to 3 days. After the third day, the rental car is on your dime. You must have an authorized and coverable claim to receive rental car reimbursement.

What if I have an emergency repair and your office is closed?

Reimbursement for emergency repairs performed outside of normal business hours can be obtained by the service contract holder provided the provisions governing emergency repairs are followed on the next business day after such emergency repairs are performed. Please see your contract coverage pages for more details.


Forever Car
Can I cancel my contract?

Yes. You can cancel your contract at any time. And if you want to cancel the contract within the first 30 days or your purchase, you get a full refund. Please see your contract under “Cancellations” for all the details.

Who is AM Best? What’s an A (Excellent) rating? Why would I care?

A.M. BEST COMPANY is a global full-service credit rating agency dedicated to serving the insurance industry. It began assigning credit ratings in 1906, making it the first of today’s rating agencies to use symbols to differentiate the relative creditworthiness of companies.

Best’s Credit Ratings are independent opinions regarding the creditworthiness of an issuer or debt obligor. Best’s Credit Ratings are based on a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance and business profile.

An A rating means that the financial stability of the company is “excellent.”

In other words, regardless of what happens, you don’t have to worry about your claims not being paid because of financial stability.

Why do you have a 30 day, 1000 mile and 90 day/200 mile waiting period?

We don’t want folks to buy a contract knowing the vehicle has existing failures, and use the claims administrator’s service as an excuse to fix their car. That’s why we have a 30 day/1000 mile or a 90 day/200 mile waiting period, whichever occurs first. Both these criteria need to be fulfilled prior to filing a claim: For example, if you have driven your car 1000 miles since you bought the contract and it’s only been 27 days, you still have to wait for 3 more days until you file a claim. For people who do not drive that much, we have a 90 day/200 mile waiting period.

Why does a Turbo or Diesel sometimes increase my price?

Although there are some advantages to having Turbo or Diesel, they add significant amount of strain on the engine and are much more expensive to repair. This is why we ask our customers to pay a little more.

What is not covered?

Wear and tear is not covered either by our claims administrators or by anyone else in the industry including manufacturer backed extended auto warranties. This includes wiper blades, battery, brake hose or rotors, wheels, etc. Also, the interior of your car (the paint, carpeting, upholstery, any fabric, seatbelts, etc.) are not covered.

Pre-existing conditions are not covered. That’s why we have a 30 day/1000 mile or a 90 day/200 mile waiting period. During this time the claims administrator is unable to authorize payment on claims.

What is covered?

This entirely depends on which plan you select. But don’t worry. We’ve made it incredibly easy to figure out. And you don’t have to be a mechanic to figure it out. Be sure to read the actual contract documents for important details on coverage, limits, conditions and terms.

What makes ForeverCar the best place to buy a Vehicle Service Contract?
  • The most selection and choices of anyone in the industry.  We encourage you to compare coverage options and prices across multiple administrators
  • We give you complete transparency, showing you exactly what you’re buying before you buy
  • In addition to Extended Service Plans, we sell other vehicle protection products.  We’re the only company that gives you choices for all your vehicle protection needs
  • Best price guarantee.  If you find a better price, we’ll match it
  • We guarantee an outstanding buying experience that simplifies everything.  Letting you filter and sort by price, coverage type, length of coverage are just a few ways we have the best and simplest shopping experience.
  • We have a complete, end-to-end eCommerce platform.  If you know what you need, just pay your first installment and you get the completed contract in your inbox seconds later, all without having to talk with anyone
  • We give you complete access to all your payment and contract information.  So if you want to change your credit card information or find your contract terms at 3AM, just log on to our Web site and you’re done.
What kind of coverage options do you offer?

We offer multiple coverage levels. We’ve named them Regular, Premium and Ultimate.

We also allow our customer to compare each of these coverages across multiple companies, called administrators.  Our goal is to give you a coverage option that meets your exact needs, regardless of which administrator you choose.


General Questions
What is a VIN? Where do I find mine?

VIN stands for Vehicle Identification Number. The National Highway Traffic Safety Administration requires all automobile manufacturers to issue a unique 17 digit VIN to all vehicles produced. The unique 17 digit VIN contains all letters and numbers except the letters i, o, and q which apparently can be confused with the numbers 1, 0, and 9.

The easiest place to find your VIN is your insurance card – you might keep it in your wallet or in your car. If you still cannot find this 17 letter/digit number, the VIN is printed on the vehicle itself. The two most common places are on the driver’s side dashboard (you can see it from the outside) and on the driver’s side door jamb. Other places include the steering column, radiator, engine block, and so on.

The VIN is also on numerous documents, such as your sales agreement, title, insurance policy, service records, maintenance book, the original window sticker, and many more.

What is GAP?

GAP, which stands for Guaranteed Asset Protection, is a unique coverage program that protects you from financial hardship in case your vehicle is stolen or totaled.

We all know your car loses some of its value the minute you drive it off the dealer’s lot.  Your value declines as your car gets older.  Unfortunately, your lease or loan balance may remain higher than what your insurance company thinks you car is worth.  So if your car gets stolen or gets totaled in a collision, YOU are on the hook for the difference between what the insurance company pays you and what you owe to the leasing company or the bank.

You only realize this after their car is stolen or totaled – just at the time when you can least afford to pay the difference.  You’re more worried about getting a new car.

Let’s put some numbers to it.  Let’s say you owe $15,000 on your loan or lease payoff.  Then your car gets stolen.  You file a claim with your insurance company and they tell you that the value of your car is $12,000.  Where are you going to come up with $3,000?  Oh, forgot to mention that your deductible also needs to be considered.  If you’re like most people, that’s $500 taken off the check from the insurance company.  So now you owe $3,500!  You’re options are limited.  You have no car.  You have a bill for $3,500…that you didn’t expect or plan for!

GAP to the rescue!  This awesome product covers this $3,500 difference. With GAP, you own nothing.  Nada.  Zilch.  Zip.  You can get on with your life and get another car.

Do you sell other products besides Vehicle Service Contracts?

Yes, we’ve assembled other products to help protect your vehicle and avoid unexpected expenses. Our current programs include Wheel & Tire Protection, Dent & Ding Protection, Key Replacement and Windshield Protection.

Why do I need a Vehicle Service Contract (VSC)?

If you did not buy an extended auto warranty during your initial purchase, a Vehicle Service Contract can offer peace of mind and several other benefits to car owners. Knowing that many of your repair costs will be covered can ease any tension about owning a car. Similarly, unexpected repair costs are minimized because of coverage – making it more affordable to own and maintain a vehicle.

Your vehicle is a big investment and the longer it stays in great working condition, the more value you get from your investment. Vehicle Service Contracts are designed to protect your investment by keeping your vehicle in good, drivable shape without you having to incur extra, unexpected repair costs that you might otherwise have difficulty paying.

Considering that the average hourly rate for mechanic labor is over $100 an hour, labor alone can be a smart reason to have a Vehicle Service Contract. When you also consider how expensive parts and systems can be to fix, the value for Vehicle Service Contracts becomes that much stronger.

What is the difference between an extended auto warranty and a Vehicle Service Contract?

An “extended auto warranty” is a contract offered by a new car dealer to “wrap” the new car factory warranty and extend beyond it. A vehicle service contract is sometimes incorrectly referred to as an “auto warranty” or “extended auto warranty” if sold outside of a new vehicle purchase. The difference is subtle but important. Auto warranties are provided by a manufacturer and are included with the original vehicle purchase. Extended auto warranties are sold separately by dealers to wrap and extend beyond the manufacturer warranty coverage. Vehicle service contracts can be purchased at any time – although the earlier you purchase a vehicle service contract in the life of the vehicle, the better coverage you can usually obtain.

How does a Vehicle Service Contract work?

Similar to an extended auto warranty, a Vehicle Service Contract covers the contract holder when their vehicle experiences a mechanical breakdown or failure that is addressed by the Vehicle Service Contract.

The process varies throughout the industry, but typically, you simply have the repair facility of your choice, employing a licensed technician, contact your claims administrator to report the claim prior to repairs. A claims representative then works with the service center to ensure that they receive payment for covered repairs once your vehicle is repaired and the final signed invoice is received.

What is a Vehicle Service Contract (VSC)?

Vehicle Service Contracts are similar to extended auto warranties and are designed to protect consumers against unexpected, costly repairs to their vehicle after their manufacturer warranty has expired.

A Vehicle Service Contract can be purchased by a consumer to cover the costs associated with vehicle repair, including parts, labor, and/or sales tax, for certain repairs or replacements that may be required after a manufacturer’s warranty expires. Usually, different contracts have different coverage levels.


Other
Do I need your product if I’m already covered by the manufacturer warranty?

Depending on when you purchased your vehicle, your original manufacturer warranty may be about to expire. Most cars are covered for their first 36,000 miles or 3 years, whichever comes first. And naturally, if you plan on having your car longer than 3 years (or whenever your warranty expires), buying now will always save you later since prices increase as cars age. For a full list of warranty coverage length by vehicle, CLICK HERE.

Why do I need your product when I already have a powertrain warranty?

Powertrain warranties are limited in the components they protect; typically covering the main engine, drive axles and transmission. What they don’t cover are all the other items that can, and often do, go wrong. Like all the electronics, air conditioner, even emission system. With many of the plans offered by ForeverCar, all these items and many more are covered.

Where can I find an example or sample of a contract?

As you are shopping for specific coverage options, you will always find a link to a sample contract. This will allow you to see a sample contract for the product you are reviewing. As you review other products, sample contracts will typically change so be sure to be looking at the sample contract for the Administrator and coverage plan that you are reviewing.