No matter how well your car is cared for, it is bound to experience mechanical failure at some point. When this happens, you should be in a position to take your car to the auto mechanic shop or center for immediate repair.
Unfortunately, you may not always have the funds to foot car repair bills out of pocket, especially when car repair costs get too high.
The good news is that there are various smart ways to meet your car repair costs without paying out of pocket. One of them is by buying a vehicle protection plan.
A Basic Overview of Vehicle Protection Plans
The manufacturer’s warranty that comes with new cars has a limited life and does not usually cover all vehicle components. For this reason, it is important for car owners to look for ways of supplementing and extending the protection provided by this warranty.
A vehicle protection plan is a form of additional vehicle coverage meant to protect car owners from costly repair bills that may result from unexpected car failures.
This form of vehicle coverage is essentially meant to take the hassle and expenses out of repairing your car when it suddenly breaks down.
Covered components vary from plan to plan and from company to company. For the entire duration a plan is in effect, all covered parts of your vehicle will be repaired in case of failure.
Plan costs also vary by plan and are usually based on vehicle mileage, age, and many other factors.
Car owners who want to purchase protective vehicle protection plans for their cars can always find something that fits their budget and needs.
To gain the benefit of their specific plan, car owners have a big part to play with regards to maintaining their vehicle.
Vehicle Protection Plans: What to Do to Make Successful Claims
Here’s an overview of what you’ll need to do to make successful claims on your vehicle.
1. Perform Routine Servicing on Your Car
As already pointed out, vehicle maintenance plans are specially designed to cushion vehicle owners from high repair costs that may arise from unexpected car failures.
Car repair issues that may arise as a result of poor car maintenance or vehicle negligence are not covered.
For this reason, it is important to ensure your car is maintained according to the vehicle maker’s recommendations.
Car manufacturers usually specify the intervals at which their cars should be serviced in terms of time or mileage, whichever comes about first.
You can always consult your owner’s manual when you’re unsure about when to take your car for regular maintenance.
Vehicle maintenance plans are not intended to encourage car owners to skip routine car servicing. In fact, they provide the impetus that motorists need to ensure their vehicles are maintained on a regular basis.
2. Make Sure Only Qualified Mechanics Work on Your Car
Ensuring your car is routinely serviced is one thing – ensuring the job is professionally carried out is a totally different thing.
To enjoy the protection provided by your vehicle protection plan, you will need to make sure all your car servicing is performed by qualified mechanics.
Qualified, in this context, refers to mechanics who are fully trained to work on cars.
Before paying for your unexpected car repairs, your plan provider will look into the caliber of mechanics you allowed to work on your vehicle.
If you carry out maintenance on your car yourself, or you hire a jack of all trades to do the job, then you may have a hand in the unexpected car repair issues that can arise down the road.
3. Keep All Documentation on Your Car’s Maintenance History
Were engine oil and filter changes done on a regular basis and according to the vehicle manufacturer’s guidelines? Was other manufacturer-recommended maintenance conducted in line with the exact instructions of the manufacturer?
Your plan provider won’t be able to ascertain this by visually inspecting your car because mechanical issues are not visible to the naked eye.
With that said, you will need to arm yourself with records of your car maintenance history, so your service company can confirm that routine maintenance was performed professionally.
Keep all the receipts issued to you every time you take your car for routine servicing because they will serve as proof of payment.
Vehicle Protection Plans vs. Extended Vehicle Protection Plans
The main difference between vehicle protection plans and extended vehicle protection plans is that the former will cover unexpected car repair expenses that may arise when the manufacturer’s warranty is still in effect, whereas the latter will cover repairs after the expiration of the manufacturer’s warranty.
How to Find the Best Vehicle Protection Plan Provider
If you need help finding the best vehicle protection plan providers or companies, consider reading vehicle protection plan reviews.