The United Car Care Gold Coverage Plan is a Stated Component extended service contract that covers exactly the parts and vehicle components you need, reaching their highest value for vehicles with fewer than 135,000 miles.

For a detailed explanation of this plans coverage, we recommend reviewing the actual contract here: United Car Care Gold Contract

Covered Components:

ENGINE: All internally lubricated parts including: crankshaft, rod and main bearings, camshaft, cam bearings, connecting rods, wrist pins, pistons, piston rings, valves and replaceable valve guides, valve retainers, hydraulic or solid lash adjusters, rocker arms, push rods, cam followers, timing chains and gears, balance shafts and bearings; oil pump assembly, water pump. All internal parts within the supercharger/turbocharger housing. The engine block, cylinder barrels, cylinder heads, oil pan, engine oil dipstick, engine oil dipstick tube, timing cover / timing case, and valve cover are covered ONLY IF damaged by the failure of a covered internally oil lubricated engine part.

TRANSMISSION: All internally lubricated parts contained within the transmission case including: front pump, torque converter, governor, main shaft, bands, drums, gear sets, bearings, bushings, synchronizers, vacuum modulator valve, internal linkage, transmission filler tube and dipstick. The following parts are specifically excluded; clutch assembly, pressure plate, flywheel / flexplate, throw out bearing, worn synchronizers, cables, and electrical items. Transmission case housing, and torque converter housings are covered ONLY IF damaged by the failure of an internally oil lubricated covered part.

TRANSFER CASE: All internally oil lubricated parts contained within the transfer case (excluding electrical items). The transfer case housing is covered ONLY IF damaged by the failure of an internally oil lubricated covered part.

DRIVE AXLE (FRONT & REAR): All internally lubricated parts contained within the drive axle housing; axle shafts. Drive axle housing is covered ONLY IF damaged by the failure of an internally lubricated part.

AIR CONDITIONING: Compressor, clutch, field coils and pulley; expansion valve; P.O.A. valve; accumulator; receiver/drier; orifice tube; high/low pressure cut-off switches; pressure cycling switch.

ELECTRICAL: Alternator, voltage regulator, starter motor, ignition switch, front and rear window wiper motor, headlamp switch, turn signal switch, rear defogger switch, heater/ A.C. blower speed switch, power window motor, power door lock actuator and switch.

FUEL: Fuel delivery pump, fuel injection pump (excluding diesel engines) and metal fuel delivery lines.

SEALS AND GASKETS: Seals and gaskets are covered ONLY IF required in connection with the repair or replacement of covered components and/or parts listed above.

Additional Benefits:

ROADSIDE CARE: (Effective for the term of YOUR CONTRACT coverage.) 24- hour nationwide emergency roadside service to help YOU with: Towing, Changing a flat tire, Opening of a locked door, Delivery of gasoline and Jump start of YOUR VEHICLE. ROADSIDE CARE BENEFITS MAY VARY BY STATE AND ARE ONLY PAID DIRECTLY TO OUR ROADSIDE ASSISTANCE PROVIDER. YOU ARE REQUIRED TO CALL 1-866-590-8420 OR 1-800-380-2165 TO OBTAIN ASSISTANCE. THE MAXIMUM BENEFIT AMOUNT PAYABLE IS $50.00 PER OCCURRENCE WITH A MAXIMUM OF EIGHT (8) OCCURRENCES PAYABLE DURING THE TERM OF YOUR CONTRACT.

RENTAL CAR REIMBURSEMENT: If YOU need a rental car due to the MECHANICAL BREAKDOWN or FAILURE of a covered component of YOUR CONTRACT, YOU will be reimbursed for expenses incurred to rent a vehicle, not to exceed a maximum of $35.00 per day and a maximum of six (6) days per incident. YOUR car rental benefit is based upon the number of labor hours required to repair covered parts on YOUR VEHICLE (see Section H.2). One (1) day of rental will be authorized for covered repairs of four (4.0) labor hours or more, up to eight (8.0) labor hours. Additional day(s) of rental will be authorized for covered repairs exceeding eight (8.0) labor hours as follows: 8.1 to 16.0 labor hours = 1 additional day, 16.1 to 24.0 labor hours = 2 additional days, etc. Should YOUR VEHICLE need to be inspected by an outside source, rental will be reimbursed for up to two (2) days, if it is determined that the MECHANICAL BREAKDOWN or FAILURE is a covered repair. Rental car benefits require prior authorization from the ADMINISTRATOR (call 1-866-590-8420). Car rental will only be paid upon receipt of a valid dealer’s or licensed rental agency’s receipt.

TRIP INTERRUPTION REIMBURSEMENT: If the MECHANICAL BREAKDOWN or FAILURE of a covered component of YOUR CONTRACT disables YOUR VEHICLE, and YOU are required to remain overnight more than 200 miles from YOUR residence while repairs are completed, WE will reimburse YOU up to $225.00, not to exceed $75.00 per day, for the first three consecutive days, for costs incurred by YOU for meals and lodging between the date of MECHANICAL BREAKDOWN or FAILURE and the date repairs are completed. YOU must provide ADMINISTRATOR with valid lodging and meal receipts in order to be reimbursed. Prior authorization is required.

Click here for a fast, easy & free quote!

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.