The worst-case scenario is covered

Powertrain extended service contracts are for the budget-minded car-owner who wants to send those $3,000+ bills for engine train replacement straight to the insurance provider. These policies cover only the most vital components of the car, extending to the engine, transmission, drive axles and drive shaft. They are the best choice for vehicles with 200,000-250,000 miles, offering low-cost and minimal – but the most critical – protection.

Some Powertrain extended service contracts feature additional coverage on items more typically included in Powertrain Plus. Open the individual plans below for more detail.

Wear and tear

Some Powertrain policies include “wear and tear” coverage, which provides another layer of protection against out-of-pocket expenses.

“Wear and tear” provisions ensure that whenever a part is performing below manufacturer’s specifications, the insurance company will pay for repair or replacement. If the manufacturer specifies that the transmission should shift from first to second gear in .1 seconds, and the shift takes .15 seconds, then the transmission repair will qualify for full reimbursement through the insurance provider. That is how a premium “wear and tear” policy works.

Click on the options below to review individual plans for this provision.

 Premium Powertrain Coverage Plans

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PLEASE NOTE: If your vehicle has a pre-existing condition, the insurance provider will not pay for repairs.

Unfortunately, some of our clients have bought a new extended service contract with the full knowledge that their vehicle is already in need of expensive repairs. This practice is all too common in our industry, and it only causes a headache for everyone involved – insurance provider and claimant.

First, we would like to say: We get it. No one expects a car breakdown or costly repair, and sometimes, paying to get the car back in running condition is financially impossible. That is why we offer great plans to our clients – so that accidents like these do not send people into debt or disruption. But if your vehicle has a pre-existing condition, and you intend on buying a new extended service policy to pay for the repairs, then we advise you take a step back.

An extended service contract is designed to pay for problems that might occur in the future, not to repair problems that already exist.

To protect their customers, extended service policies do not go into effect until the end of a mandatory grace period. Typically, this period lasts for 30 days AND 1,000 miles. After the contract is purchased, the vehicle needs to drive at least 1,000 miles, and at least 30 days need to pass before the contract will take effect. All damages suffered to the vehicle during the grace period are also not covered. The grace period is intended to be a detractor to would-be criminal activity.

Additionally, any claim made within 90 days of enrollment will be scrutinized by the insurance provider.

PayMyRepairs.com does not process or pay any claims. We bring together good customers and premium insurance providers. The insurance providers we broker determine whether your claim is eligible for reimbursement. We choose the most reliable, financially stable insurance providers in the market – who protect their well-intentioned clients by identifying pre-existing damages. With all the insurance fraud out there, our providers catch most would-be fraudsters in the act. Honestly, it isn’t worth the headache.