Step-by-Step Guide to Filing a Claim on Your Auto Warranty Plan

Step 1: Review Your Coverage

Before heading to a repair shop, review your contract to understand:

• What components are covered

• Your deductible amount

• Any exclusions or limitations

• Required maintenance documentation

Tip: Keep a digital copy of your contract accessible on your phone.

Step 2: Take Your Vehicle to a Licensed Repair Facility

Most vehicle service contracts require repairs to be completed at a licensed repair facility. You can typically choose:

• Your preferred local repair shop

• A dealership service department

Make sure the facility is ASE-certified or properly licensed.

Step 3: Have the Repair Shop Diagnose the Issue

The repair facility will:

• Perform a diagnostic inspection

• Identify the failed component

• Provide a repair estimate

Important: Do not authorize repairs until your warranty provider has approved the claim.

Step 4: The Repair Shop Contacts the Warranty Provider

The repair facility will:

• Call the claims department

• Provide your contract number

• Submit the diagnostic findings

• Receive approval (if covered)

In most cases, the claims process is handled directly between the shop and your provider.

Step 5: Claims Review & Approval

The warranty administrator may:

• Verify coverage

• Review maintenance history

• Request additional diagnostics

• Send an inspector (in some cases)

Once approved, they will authorize payment for covered repairs.

Step 6: Pay Your Deductible (If Applicable)

After repairs are completed:

• You pay your deductible (if required)

• The warranty provider pays the covered portion directly to the repair facility

This keeps your out-of-pocket expenses predictable.

Step 7: Keep Your Documentation

Always keep copies of:

• Repair orders

• Diagnostic reports

• Maintenance records

This protects you in case of future claims.

Pro Tips for a Smooth Claims Experience

✔ Keep up with required maintenance✔ Save oil change and service receipts✔ Address issues early before damage spreads✔ Know your contract number