NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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Vehicle'Service'Contract'
APPLICATION PAGE:
PURCHASER INFORMATION
PURCHASER NAME
PHONE
EMAIL ADDRESS
MAILING ADDRESS
CITY
STATE
ZIP CODE
SELLER INFORMATION
SELLER NAME
PHONE
EMAIL ADDRESS
MAILING ADDRESS
CITY
STATE
ZIP CODE
VEHICLE INFORMATION
YEAR
MAKE
MODEL
VIN # (MUST BE 17 DIGITS)
FINANCE COMPANY
CURRENT ODOMETER READING
VEHICLE PURCHASE PRICE
VEHICLE CLASS
ADD-ON COVERAGE & MANDATORY SURCHARGES
TIRE MODIFICATION/BODY OR SUSPENSION LIFT
COMMERCIAL USE
HIGH TECH
HYBRID VEHICLE
Available on Superior Coverage only
Available on Superior and Secure Plus Coverages only
DIESEL 4X4/AWD TURBO/SUPERCHARGER
The above listed surcharges are mandatory as they apply to your vehicle.
SERVICE CONTRACT INFORMATION
COVERAGE
CONTRACT TERM (WHICHEVER COMES FIRST)
CONTRACT EXPIRATION (WHICHEVER COMES FIRST)
MONTHS
ODOMETER MILES
MONTHS
ODOMETER MILES
NEW USED
WAITING PERIOD
CONTRACT SALE DATE
CONTRACT PURCHASE PRICE
DEDUCTIBLE
Administrator/Obligor: Endurance Dealer Services, LLC, 400 Skokie Blvd, Suite 105, Northbrook, IL 60062, 877-414-0134. This is a Contract between You
and the Administrator/Obligor. The Administrator/Obligor’s performance under this Contract is insured by Wesco Insurance Company.
PURCHASER ACKNOWLEDGMENT
I, the Contract Purchaser, acknowledge that this Vehicle Service Contract, including the Application Page, Terms and Conditions, Identification Card,
limitations, exceptions, definitions, and Exclusions, together with any endorsements, if any, constitutes the entire Contract. The Coverage I have
selected expires according to the terms indicated on the Application Page and Identification Card, and as defined in Section III.D. Coverage Period.
The components and parts eligible for Coverage are listed under Section VI. What is Covered. I agree to maintain the Vehicle in accordance with Section
IV. Your Responsibilities. I understand to file a claim in the event I have a Breakdown, I am to follow the instructions in Section V. Filing a Breakdown
Claim. This Contract is neither an insurance policy nor a seller’s warranty. This Contract may run concurrent with and is secondary to any applicable
manufacturer’s or repair facility’s warranty or other vehicle service contract or similar component protection product. Purchase of this Contract is not
required in order to purchase or lease a vehicle or to obtain vehicle financing.
I have reviewed and understand the time and mileage limitations, Waiting Period, Coverage, and Exclusions, and that the repair of non-Eligible
Components is excluded from Coverage. I have read and understand Section IV. Your Responsibilities. I hereby declare that I have received the
Contract and the above information is correct. I UNDERSTAND THAT THE CONTRACT WILL BE BETWEEN THE ADMINISTRATOR (Endurance
Dealer Services, LLC) AND CONTRACT PURCHASER.
CONTRACT NUMBER:
OR
OR
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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TERMS AND CONDITIONS
I. HOW TO READ THIS AGREEMENT
This Vehicle Service Contract provides for the payment of Covered Repairs to Eligible Components within Your Vehicle and other Benefits, as more fully explained below. The terms in
BOLD have specific meanings provided in Section II. Definitions. Please read all Definitions carefully.
This Contract is not a warranty or insurance policy, and does not cover every repair, but only Covered Repairs to Eligible Components identified in Section VI. What is Covered.
Administrator will not pay for repairs to components that have failed, or begun to fail, prior to the expiration of the Waiting Period. There is an additional list of Exclusions under Section
VIII. Exclusions – What Is Not Covered. Please read these sections carefully.
You have certain Responsibilities under this Contract, set forth in Section IV. Your Responsibilities, including maintaining Your Vehicle, preserving all records, and preventing any damage
from continued use or operation after You suspect something is wrong. One of the Benefits under this Contract is complimentary roadside assistance, available 24 hours a day across the
United States of America, as set forth in Section VII. Additional Benefits.
You have the right to Cancellation of this Contract at any time. Administrator also has the right to Cancellation of this Contract if You fail to satisfy Your Responsibilities, including
providing accurate information regarding mileage and the condition of Your Vehicle.
If You have any questions or concerns, please contact Administrator at 877-414-0134 to speak with a Certified Vehicle Protection Specialist, who will be glad to explain this Contract and to
answer any other questions You may have.
II. DEFINITIONS
The following definitions apply to words frequently used in this Contract:
Administrator means Endurance Dealer Services, LLC, 400 Skokie Blvd, Suite 105, Northbrook, IL 60062, 877-414-0134, the entity that is obligated to perform hereunder. (Texas
license number: 639; California license number: OK11393; Oklahoma license number: 44201382). In Florida, Administrator means Northcoast Warranty Services, Inc., 800 Superior
Avenue E, 21st Floor, Cleveland, OH 44114, 844-371-1014, License # 49127.
Application Page means the first page of this document, and contains information provided by You regarding Your Vehicle, among other things.
Benefits means the specific items listed in Section VII. Additional Benefits, and nothing else.
Breakdown means the failure of a Vehicle component to perform the function for which it was designed without regard to the cause of the failure or the eligibility of repairs for Coverage.
Cancellation means the termination of this Contract pursuant to Section III.H. Cancellations.
Commercial Use means Vehicles used for farming, ranching, route work, job-site activities, service or repair work, snow removal, ride share (Uber, Lyft, etc.) rental, taxi, limousine or
shuttle, towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, car hauling and delivery, or any other business enterprises, or has been
issued commercial plates in the state in which it is titled, or is used for a commercial purpose.
Contract means this Vehicle Service Contract, including the Application Page and Identification Card.
Coverage Period means the time when Coverage under this Contract begins upon the expiration of the Waiting Period and continuing until the Contract Expiration Months or Odometer
Miles listed on the Application Page is reached and/or when the Limit of Liability for the Contract has been reached, whichever comes first.
Coverage means the component protection You selected as shown on Your Identification Card and in the Coverage box on the Application Page of this Contract.
Covered Repair means the pre-authorized reasonable expenses incurred for the repair or replacement of an Eligible Component that has experienced a Breakdown under normal service
upon the expiration of the Waiting Period solely because of the Eligible Component’s condition and not because of the action, inaction or failure of any non-Eligible Component, subject
to all Exclusions.
Deductible means the amount You are required to pay as selected on the Application Page per Covered Repair. No Deductible payment is required with respect to Benefits. If no
Deductible is stated on the Application Page, the standard Deductible will be one hundred dollars ($100).
Eligible Component(s) means the specific part(s) identified and described under Section VI. What is Covered, and nothing else. Any part not specifically identified and described in Section
VI. What is Covered is a non-Eligible Component.
Expiration Date or Mileage means the date and/or mileage when Your Contract is no longer in force, which is the earlier of the date Administrator has paid the Limit of Liability, or when
the Contract Expiration Months or Odometer Miles listed on the Application Page is reached, whichever occurs first.
TABLE OF CONTENTS
Application Page ......................................................................................................................................................................................... 1
I. How to Read this Agreement ...................................................................................................................................................................... 2
II. Definitions ................................................................................................................................................................................................... 2
III. Scope of this Agreement ............................................................................................................................................................................. 3
IV. Your Responsibilities ................................................................................................................................................................................... 4
V. Filing a Breakdown Claim ........................................................................................................................................................................... 5
VI. What is Covered .......................................................................................................................................................................................... 5
VII. Additional Benefits ...................................................................................................................................................................................... 7
VIII. Exclusions – What Is Not Covered .............................................................................................................................................................. 8
IX. Legal Claims and Disputes ......................................................................................................................................................................... 9
X. Special State-Specific Requirements .......................................................................................................................................................... 9
XI. Endurance Dealer Services, LLC Privacy Policy ....................................................................................................................................... 15
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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Exclusions means the items listed in VIII. Exclusions – What Is Not Covered, and nothing else.
Identification Card means the numbered card, which becomes part of this Contract. It gives information about You, Your Vehicle, Coverage chosen and other significant data.
Licensed Repair Facility means any for-profit entity in the business of repairing or maintaining motor vehicles and recognized as such in the state where the facility is located.
Limit of Liability means Our maximum liability for Coverage as defined in Section III.E. Limit of Liability.
Optional Coverage means the optional coverage You purchased, as shown on Your Identification Card and in the Options box on the Application Page of this Contract. See Section
VI.D. Optional Coverage.
Pre-Existing means a condition that within all reasonable mechanical probability relates to the mechanical condition of Your Vehicle prior to Contract issuance or prior to the expiration of
the Waiting Period. Failures that occur, or begin to occur, prior to the expiration of the Waiting Period are not eligible for Coverage under this Contract.
Purchase Date and Mileage means the date You purchased this Contract, and the mileage of Your Vehicle at the time You purchased this Contract.
Responsibilities means Your legal obligations under this Contract, as set forth in Section IV. Your Responsibilities.
Vehicle means the Vehicle described on the Application Page.
Verifiable Document means a computer-generated maintenance or repair invoice from a Licensed Repair Facility printed on the facility’s letterhead. The document must include Your
name, Vehicle year, make, model and VIN, date, and mileage at the time of service to be considered verifiable. Handwritten documents, invoices, and/or receipts will not be accepted.
WAITING PERIOD MEANS THE PERIOD OF TIME AND MILEAGE SPECIFIED ON THE APPLICATION PAGE THAT PRECEDES THE COVERAGE PERIOD OF THIS CONTRACT. THE
WAITING PERIOD EQUALS THE NUMBER OF DAYS STATED ON THE APPLICATION PAGE, STARTING FROM THE SALE DATE STATED ON THE APPLICATION PAGE, AND THE
NUMBER OF MILES STATED ON THE APPLICATION PAGE FROM ODOMETER MILEAGE AT THE SALE DATE STATED ON THE APPLICATION PAGE. COVERAGE UNDER THIS
CONTRACT BEGINS UPON THE EXPIRATION OF THE WAITING PERIOD. NO CLAIMS WILL BE AUTHORIZED OR REIMBURSED FOR FAILURES THAT OCCUR, OR BEGIN TO
OCCUR, PRIOR TO THE EXPIRATION OF THE WAITING PERIOD.
We, Us, Our means the entity who is obligated to perform under this Contract (the “Obligor”). The Obligor of this Contract is Endurance Dealer Services, LLC, 400 Skokie Blvd, Suite
105, Northbrook, IL 60062, 877-414-0134. In Florida, We, Us, Our, Obligor means Northcoast Warranty Services, Inc., 800 Superior Avenue E, 21st Floor, Cleveland, OH 44114,
License # 49127.
You, Your means the person who purchased this Contract, i.e. the Contract Purchaser shown on the Application Page, or the person to whom this Contract was properly transferred, i.e.
the Contract Holder. Contract Holder shall be used synonymously with Contract Purchaser.
III. SCOPE OF THIS AGREEMENT
This is a Vehicle Service Contract between You and Us. You agree and understand that this Contract is a Vehicle Service Contract and not a warranty or an insurance policy. This Contract
does not cover everything that might go wrong with Your Vehicle.
A. PARTIES:
There are two parties to this Contract: You and Administrator. This Contract relates only to Your Vehicle. This Contract does not apply to any other person or thing.
B. PAYMENT OF COVERED REPAIRS:
Administrator agrees to provide payment or reimbursement for Covered Repairs, less any Deductible, in accordance with the terms and provisions contained in this Contract. Reasonable
expenses are not to exceed the manufacturer’s suggested retail price (MSRP) for parts, and the Licensed Repair Facility’s published hourly rate multiplied by the appropriate operation
time, as published in a national labor time guide. Replacement of Eligible Components may be made with original equipment manufacturer parts, non-original equipment
manufacturer parts, re-manufactured parts, or used parts at Administrator’s discretion.
The Waiting Period must expire before any Eligible Component is eligible for repair or replacement under this Contract. In other words, no component is eligible for repair or replacement if
it ceases to operate or shows signs of failure during the Waiting Period or prior to the purchase of this Contract. No Claims will be authorized or reimbursed for failures that occur, or begin
to occur, prior to the expiration of the Waiting Period.
Administrator will NOT pay for any Covered Repairs performed without Our knowledge and prior approval. In other words, You must first obtain authorization from Administrator before
any Covered Repairs are performed. Repairs performed without prior authorization do not qualify as Covered Repairs. Administrator will NOT pay for any Covered Repairs if You have
failed to pay for this Contract, including Your failure to make monthly payments to Us or the lien holder or third-party finance company. In other words, if Your payments are not current,
Administrator has no obligation to pay for any Covered Repairs until Your payments are current.
C. ENTIRE AGREEMENT:
This Contract, including the Application Page, Terms and Conditions, Identification Card, limitations, exceptions, definitions, and Exclusions, together with any endorsements, if any,
constitutes the entire Contract. No one other than the parties hereto, by mutual agreement in writing, may change this Contract or waive any of its provisions. This Contract gives You
specific rights. You may have other rights, which may vary from state to state in the United States or between provinces in Canada. Please see Section X. Special State-Specific
Requirements for state-specific information.
This Contract provides for the payment of Covered Repairs and Benefits and is for the sole benefit of You and applies only with respect to the Vehicle described on the Application Page.
This Contract shall be invalidated if there has been an inaccuracy, tampering or alteration to the odometer mileage of the Vehicle so that the Vehicle’s true and actual mileage is not shown
on the odometer or cannot be determined. If the odometer becomes inoperable during the term of this Contract, You must immediately notify Us and within fifteen (15) days of the odometer
becoming inoperable provide a Verifiable Document proving that the odometer has been repaired.
D. COVERAGE PERIOD:
Benefits under this Contract are available on the Purchase Date; however, Coverage begins upon the expiration of the Waiting Period. THE WAITING PERIOD FOR THIS CONTRACT
IS THE NUMBER OF DAYS AND MILES STATED ON THE APPLICATION PAGE, CALCULATED FROM THE DATE AND MILEAGE ON THE SALE DATE STATED ON THE
APPLICATION PAGE. ANY BREAKDOWN THAT OCCURS, OR BEGINS TO OCCUR, PRIOR TO THE EXPIRATION OF THE WAITING PERIOD IS NOT COVERED. THIS CONTRACT
TERMINATES WHEN THE CONTRACT EXPIRATION MONTHS OR ODOMETER MILES LISTED ON THE APPLICATION PAGE IS REACHED, OR WHEN THE ADMINISTRATOR HAS
PAID THE LIMIT OF LIABILITY, WHICHEVER OCCURS FIRST.
E. LIMIT OF LIABILITY:
For Secure and Secure Plus Coverage: Our maximum Limit of Liability per covered Vehicle for all Covered Repairs and Benefits under this Contract shall not exceed the lesser
of a total dollar amount of ten thousand dollars ($10,000) or the NADA average trade-in value at the time of Covered Repair and/or Benefits.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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For Superior, Supreme and Supreme Wrap Coverage: Our maximum Limit of Liability per covered Vehicle for all Covered Repairs and Benefits under this Contract shall not
exceed the NADA average trade-in value at the time of Covered Repair and/or Benefits.
Once the combined maximum Limit of Liability has been reached, as defined above, this Contract, and its transfer and Cancellation rights terminate. Our liability for incidental
and consequential damages including, but not limited to, personal injury, physical damage, property damage, loss of use of Your Vehicle, loss of time, loss of wages,
inconvenience, and commercial loss resulting from the operation, maintenance, or use of Your Vehicle is expressly excluded.
F. INELIGIBLE VEHICLES & USES:
This Contract does not cover any vehicle that has ever been issued a restricted title, including but not limited to gray market, NAM (Not Actual Mileage), total loss, salvage/refundable,
salvage theft, rebuilt, assembled, dismantled, scrap, fire, flood, physical damage, saltwater damage, frame change, motor change, body exchange, junk or parts only.
This Contract does not cover any vehicle used for towing, unless Your Vehicle is equipped with factory installed or factory authorized tow package. The towing load is not to exceed the
maximum towing capacity of Your Vehicle as determined by the manufacturer.
This Contract does not cover any Vehicle that is used for Commercial Use (unless the appropriate Commercial Use Option has been checked in the Options box on the Application Page
and the surcharge has been paid), principally off-road use, prearranged or organized racing or competitive driving.
G. TRANSFER OF MANUFACTURER’S WARRANTY:
You are responsible for the transfer, and any applicable transfer fees, to retain all manufacturers’ warranties available on the Vehicle listed on the Application Page of the Contract. Failure
to transfer the manufacturer’s warranty can result in nonpayment of a claim if the manufacturer’s warranty would normally have been in effect if the transfer had not been made.
H. CANCELLATIONS:
You may cancel this Contract at any time including when the Vehicle is sold, lost, stolen or destroyed by notifying Us in writing and by submitting a request to cancel the Contract and a
Federal Odometer Statement or notarized affidavit verifying mileage at the time of the request. We may cancel this Contract for non-payment of the Purchase Price, as identified on the
Application Page, including Your failure to make monthly payments to Us or the lien holder or third-party finance company, or for Your intentional misrepresentation in obtaining this
Contract or in submitting a claim. We may also cancel this Contract at any time if Your Vehicle did not qualify for Coverage on the Purchase Date, or subsequently becomes ineligible for
Coverage.
If this Contract is cancelled by You within thirty (30) days of purchase and no claim has been filed, the entire Contract Purchase Price paid will be refunded. If You have incurred a claim
within the first thirty (30) days or if You cancel this Contract after the first thirty (30) days, the unearned Contract Purchase Price paid will be refunded, calculated on a pro-rata basis. The
refund will be equal to the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your
Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less an administrative fee
of fifty dollars ($50) and the total amount of all claims paid. Elapsed time and mileage shall be measured from the Purchase Date and Mileage.
If We cancel this Contract for any reason other than non-payment or a violation of Your Responsibilities, You will receive a pro-rata refund of the unearned Contract Purchase Price, as
identified on the Application Page, calculated as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or
portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less
an administrative fee of fifty dollars ($50) and the total amount of all claims paid. Elapsed time and mileage shall be measured from the Purchase Date and Mileage. If this Contract has
been financed, the lien holder or third-party finance company may cancel this Contract for non-payment, or if Your Vehicle has been declared a total loss, or if Your Vehicle has been
repossessed; subsequently, the rights to a refund under this Contract are transferred to the lien holder and the lien holder is entitled to any resulting refund.
If this Contract has been financed through a third-party finance company arranged by Us or the seller from whom You purchased Your Contract, as identified on the Application Page,
then financing pertains only to Your Contract, not Your Vehicle. The finance company may cancel Your Contract for non-payment. In the event Your Contract is cancelled for non-
payment, You forfeit any and all refund rights. Further, Administrator will NOT pay for any Covered Repairs if You have failed to pay for this Contract, including Your failure to make
monthly payments to Us or the lien holder or third-party finance company. In other words, if Your payments are not current, Administrator has no obligation to pay for any Covered Repairs
until Your payments are current.
I. CONTRACT HOLDER’S TRANSFER CONDITIONS:
This Contract, while in-force, may be transferred by the ORIGINAL Contract Holder to the subsequent owner of the Vehicle for a fee of fifty dollars ($50), payable to Us. The
subsequent owner must also transfer the manufacturer’s warranty, if available. Written evidence of all required maintenance services must be provided in the form of a
Verifiable Document(s) to Administrator upon transfer. Transfer is limited to an individual purchaser of the Vehicle (not a Dealer) and the title may not pass through a Dealer. All
terms and conditions of the original Contract will apply to the transferee. Approval of transfers is at the discretion of the Administrator and may be declined for any reason.
Submission of a Transfer Application must be completed within thirty (30) days of the sale or transfer of the Vehicle to the subsequent owner. The Transfer Application may be
obtained from the Administrator, or Seller as identified on the Application Page. Refer to Section X. Special State-Specific Requirements for any exceptions or additional
requirements in relation to the transfer of this Contract.
J. RENEWABILITY:
You have the right to purchase a Contract for additional time/mileage provided the request is made within thirty (30) days and one thousand (1,000) miles prior to the Expiration Date or
Mileage. At that time, contact the Administrator for the terms, Coverage and Deductible options available, which may not match the original Contract Coverage.
K. GUARANTEE:
Our obligations and the performance to You under this Contract are guaranteed and insured by a policy issued by Wesco Insurance Company, 59 Maiden Lane, 43
rd
Floor, New York, NY
10038, 866-505-4048 (the “Insurance Company”). If a covered claim or refund is not paid within sixty (60) days (thirty (30) days in Arizona and Alaska) after proof of loss has been filed, You
may file a claim directly with the Insurance Company by contacting the Insurance Company at the number provided above.
IV. YOUR RESPONSIBILITIES
A. DUTY TO PROVIDE ACCURATE INFORMATION:
You are required to ensure that all information You provide to Administrator is accurate, including all information provided on the Application Page, and in connection with any claim. If
Administrator discovers that You have failed to provide accurate information, or to update incorrect information, Administrator has the right to cancel this Contract immediately. See
Section III.H. Cancellations.
This Contract shall be invalidated if there has been an inaccuracy, tampering or alteration to the odometer mileage of the Vehicle so that the Vehicle’s true and actual mileage is not shown
on the odometer or cannot be determined. If the odometer becomes inoperable during the term of this Contract, You must immediately notify Us and within fifteen (15) days of the odometer
becoming inoperable provide a Verifiable Document proving that the odometer has been repaired.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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B. DUTY TO MAINTAIN VEHICLE AND RECORDS:
You must have the Vehicle checked and serviced in accordance with the manufacturer’s recommendations, as outlined in the Owner’s Manual. NOTE: Your Owner’s Manual lists different
servicing recommendations based on Your individual driving habits and climate conditions. You are required to follow the maintenance schedule that applies to Your driving habits and
climate conditions. Failure to follow the manufacturer’s recommendations that apply to Your driving habits and climate conditions may result in the denial of a claim.
You must maintain copies of Verifiable Documents relating to any work performed on or to Your Vehicle. Administrator may request documents to verify Vehicle maintenance in
connection with any claim. Verifiable Documents can be submitted to the Administrator via fax 847-919-6802 or email [email protected]. Only Verifiable Documents will
be accepted; handwritten documents, invoices, and/or receipts will not be accepted. If You perform Your own maintenance services, receipts must be retained for the purchase of materials
and supplies.
C. DUTY TO COOPERATE:
You are required to cooperate with Administrator in connection with any claim or other action under this Contract, including providing copies of documents and information in a timely and
accurate manner. Failure to do so may constitute a breach of this Contract by You.
V. FILING A BREAKDOWN CLAIM:
If Your Vehicle incurs a Breakdown, You must take the following steps to file a claim:
1. Prevent Further Damage – Take immediate action to prevent further damage to Your Vehicle. This Contract will not cover the damage caused by continued operation or by not
securing a timely repair of the failed component. The operator of the Vehicle is responsible for observing Vehicle warning lights and gauges and taking appropriate action
immediately. Failure to do so may result in the denial of a claim.
2. Take Your Vehicle to a Licensed Repair Facility – If Your Vehicle breaks down, arrange for transportation of Your Vehicle to any Licensed Repair Facility. You may utilize
the 24-Hour Roadside Assistance Benefit pursuant to Section VII.B. Additional Benefits, 24-Hour Roadside Assistance Services and Benefits of this Contract to tow Your
Vehicle, if necessary, to prevent further damage to the Vehicle.
3. Provide the Licensed Repair Facility with a copy of Your Contract and/or Your Contract number if possible.
4. Obtain Authorization from the Administrator – Prior to any repair being made, instruct the service manager at the Licensed Repair Facility to contact the Administrator to
obtain an authorization for the claim at 877-414-0134. Any claim for repairs without prior authorization will not be covered except as provided under Emergency Repairs (#8 below).
The amount authorized by the Administrator is the maximum amount that will be paid for repairs covered under the terms of this Contract. Any additional amount must receive
prior approval.
5. Authorize Tear-Down and/or Inspection – In some cases, You may need to authorize the Licensed Repair Facility to inspect and/or tear-down Your Vehicle in order to
determine the cause and cost of the repair. You will be responsible for these charges if the Breakdown is not covered under this Contract. We reserve the right to require an
independent third-party inspection of Your Vehicle prior to any repair being made.
6. Review Coverage – After the Administrator has been contacted, review with the service manager what will be covered by this Contract.
7. Pay any Applicable Deductible – You must pay to the Licensed Repair Facility any required Deductible. We will reimburse the Licensed Repair Facility or You for the cost of
the work performed on Your Vehicle that is covered by this Contract and previously authorized, less the Deductible. Once authorization is obtained and the repair is completed,
all repair orders and documentation in the form of Verifiable Documents must be submitted to the Administrator within thirty (30) days (three hundred sixty-five (365) days in
Wisconsin) to be eligible for payment.
8. Emergency Repairs – Should an emergency occur which requires the repair of an Eligible Component to be made at a time when the Administrator’s office is closed, You
should follow the claim procedures above without authorization, and We will make reimbursement to You or to the Licensed Repair Facility in accordance with the Contract
provisions if the repair is a Covered Repair. You must call the Administrator’s office within five (5) business days from the date of repair to determine if such repair will be
covered by this Contract. Emergency Repairs are only those repairs, which, if not performed, would render Your Vehicle inoperable or unsafe to drive and impair its future
operation.
For claim assistance, please contact the Administrator at 877-414-0134. NO CLAIMS WILL BE PAID UNLESS YOU FOLLOW THE STEPS OUTLINED ABOVE.
Administered by: Endurance Dealer Services, LLC. 400 Skokie Blvd, Suite 105, Northbrook, IL 60062, 877-414-0134.
VI. WHAT IS COVERED
A. COMPONENT PROTECTION:
Administrator agrees to provide payment or reimbursement for Covered Repairs, less any Deductible, in accordance with the terms and provisions contained in this Contract. Reasonable
expenses are not to exceed the manufacturer’s suggested retail price (MSRP) for parts, and the Licensed Repair Facility’s published hourly rate multiplied by the appropriate operation
time, as published in a national labor time guide. REPLACEMENT OF ELIGIBLE COMPONENTS MAY BE MADE WITH ORIGINAL EQUIPMENT MANUFACTURER PARTS, NON-
ORIGINAL EQUIPMENT MANUFACTURER PARTS, RE-MANUFACTURED PARTS, OR USED PARTS AT ADMINISTRATOR’S DISCRETION.
Administrator will not pay for repairs to components that have ceased to operate or exhibited signs of failure prior to the purchase of this Contract or prior to the expiration of the Waiting
Period.
Administrator will not pay for any repairs that are covered by a manufacturer’s and/or repair facility’s warranty, or that may be covered by a separate vehicle service contract or similar
component protection program.
B. AUTHORIZATION AND INSPECTION:
Administrator will only pay for pre-authorized repairs. If You intend to submit a claim for Covered Repairs to the Vehicle, You or the Licensed Repair Facility must first seek prior
authorization from Administrator before performing any repairs to Your Vehicle.
In some cases, You may need to authorize the Licensed Repair Facility to inspect and/or tear-down Your Vehicle in order to determine the cause and cost of the repair. You will be
responsible for the cost of the inspection and tear-down by the Licensed Repair Facility if the failure is not a Covered Repair under this Contract. Administrator reserves the right to
require an independent third-party inspection of Your Vehicle prior to any repair being made.
C. ELIGIBLE COMPONENTS:
Your Contract provides Coverage as follows for the component protection You selected as shown on Your Identification Card and in the Coverage box on the Application Page:
1. SECURE COVERAGE covers the following listed components:
a. ENGINE – Gas/Diesel: Cylinder Block, Cylinder Head(s), Rotary Housing and all Internally Lubricated Parts contained within the engine including: Pistons; Piston Rings;
Connecting Rod Bearings; Crankshaft; Crankshaft Main Bearings; Camshaft; Camshaft Bearings; Cam Followers; Timing Chain or Belt; Timing Gears, Guides, Tensioners;
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
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Rocker Arms; Rocker Shafts; Rocker Bushings; Cylinder Head Valves; Valve Guides; Valve Lifters; Valve Springs; Valve Retainers; Valve Seats; Push Rods; Water Pump;
Mechanical Fuel Pump; Oil Pump and Oil Pump Housing; Harmonic Balancer; Oil Pan; Timing Chain Cover; Intake and Exhaust Manifolds; Valve Covers; Engine Mounts;
(The oil pan and valve covers are only covered if damaged by the Breakdown of an internally lubricated part).
b. TURBO/SUPERCHARGER: (Factory installed only) Turbocharger/Supercharger Housing and All Internally Lubricated Parts. (Housing is only covered if damaged by
Breakdown of an internally lubricated part).
c. TRANSMISSION: (Automatic or Manual) Transmission Case and all Internally Lubricated Parts plus: Torque Converter; Flywheel/Flex Plate; Vacuum Modulator; Electronic
Shift Control Unit; Transmission Cooler; Transmission Mounts; Oil Pan; Slave/Clutch Master Cylinder; Pilot Bearing; and Throw-Out Bearing. (Transmission case is covered if
damage is due to the Breakdown of an internally lubricated part).
d. DRIVE AXLE ASSEMBLY: (Front and Rear) Drive Axle Case; All Internally Lubricated Parts contained within the Drive Axle; Locking Hubs; Drive Shafts; Center Support
Bearings; Universal Joints; Constant Velocity Joints; Axle Bearings; Four-Wheel Drive Actuator; and Differential Cover. (The drive axle housing is only covered if damaged by
the Breakdown of an internally lubricated part).
e. TRANSFER UNIT: Transfer Case and All Internally Lubricated Parts. (Transfer case is only covered if damaged by the Breakdown of an internally lubricated part).
f. SEALS & GASKETS: Seals and Gaskets are covered only in conjunction with a repair or replacement of the above Covered Parts and are not covered as standalone
failures. Minor loss of fluid or seepage is considered normal and is not considered a mechanical Breakdown and is not eligible for Coverage.
2. SECURE PLUS COVERAGE covers the following listed components:
a. ENGINE – Gas/Diesel: Cylinder Block, Cylinder Head(s), Rotary Housing and all Internally Lubricated Parts contained within the engine including: Pistons; Piston Rings;
Connecting Rod Bearings; Crankshaft; Crankshaft Main Bearings; Camshaft; Camshaft Bearings; Cam Followers; Timing Chain or Belt; Timing Gears, Guides, Tensioners;
Rocker Arms; Rocker Shafts; Rocker Bushings; Cylinder Head Valves; Valve Guides; Valve Lifters; Valve Springs; Valve Retainers; Valve Seats; Push Rods; Water Pump;
Mechanical Fuel Pump; Oil Pump and Oil Pump Housing; Harmonic Balancer; Oil Pan; Timing Chain Cover; Intake and Exhaust Manifolds; Valve Covers; Engine Mounts.
(The oil pan and valve covers are only covered if damaged by the Breakdown of an internally lubricated part).
b. TURBO/SUPERCHARGER: (factory installed only) Turbocharger / Supercharger Housing and All Internally Lubricated Parts. (Housing is only covered if damaged by
Breakdown of an internally lubricated part).
c. TRANSMISSION: (Automatic or Manual) Transmission Case and all Internally Lubricated Parts plus: Torque Converter; Flywheel/Flex Plate; Vacuum Modulator; Electronic
Shift Control Unit; Transmission Cooler; Transmission Mounts; Oil Pan; Slave/Clutch Master Cylinder; Pilot Bearing; and Throw-Out Bearing. (Transmission case is covered if
damage is due to the Breakdown of an internally lubricated part).
d. DRIVE AXLE ASSEMBLY: (Front and Rear) Drive Axle Case; All Internally Lubricated Parts contained within the Drive Axle; Locking Hubs; Drive Shafts; Center Support
Bearings; Universal Joints; Constant Velocity Joints; Axle Bearings; Four-Wheel Drive Actuator; and Differential Cover. (The drive axle housing is only covered if damaged by
the Breakdown of an internally lubricated part).
e. TRANSFER UNIT: Transfer Case and All Internally Lubricated Parts. (Transfer case is only covered if damaged by the Breakdown of an internally lubricated part).
f. BRAKES: Master Cylinder; Power Brake Cylinder; Vacuum/Hydro Assist Booster; Disc Brake Caliper; Wheel Cylinders; Compensating Valve; Brake Hydraulic Lines and
Fittings; Hydraulic Control Unit; Hydraulic Trailer Brake Assembly and its Components. The following ABS Parts are also covered: Electronic Control Processor; Wheel Speed
Sensors; Hydraulic Pump/Motor Assembly; Pressure Modulator Valve/Isolation Dump Valve; and Accumulator.
g. STEERING: All Internally Lubricated Parts contained within the Steering Box; Rack and Pinion Gear; Power Steering Pump; Power Steering Hoses; Steering Knuckles;
Pitman Arm; Idler Arm; Tie Rod Ends and Drag Link; Steering Dampener; Upper and Lower Steering Column Shafts and Couplings, including Internal Tilt-Wheel Mechanism;
Steering Box and Rack and Pinion Gear Housings; Power Steering Assist Cylinder; Power Steering Pump Cooler; Twin “I” Beam & Bushings; and Steering Travel Stop. Rear
Wheel Steering: Rear Steering Shaft and Couplings; Power Cylinder and Pump; Electronic Control Unit/Solenoid; Phase Control Unit; Stepper Motor; Steering Box; Control
Valve; Rack; and Tie Rod Ends.
h. ELECTRICAL COMPONENTS: Alternator; Voltage Regulator; Starter Motor; Starter Solenoid and Starter Drive; Engine Compartment Wiring Harness; Computerized Timing
Control Unit; Electronic Ignition Module; Crank Angle Sensor; Knock Sensor; Ignition Switch; Ignition Switch Lock Cylinder; Front and Rear Window Wiper Motor, Washer
Pump and Switch; Stop Lamp Switch; Headlamp Switch; Turn Signal Switch; Heater/A.C. Blower Speed Switch; Manual Heater/A.C. Control Head; Horns; Trailer Brake
Wiring Harness; Auxiliary Power Supply Wiring; Exterior Cab Lighting; Auxiliary Fuel Tank Switching Unit and Switch.
i. AIR CONDITIONING: Condenser; Compressor, Compressor Clutch and Pulley; Air Conditioning Lines and Hoses; Evaporator; Idler Pulley and Idler Pulley Bearing; High/Low
Compressor Cut-Off Switch; Expansion Valve; and Pressure Cycling Switch. The following parts are also covered if they are required in connection with the repair of a
Covered Part listed above and only if they have failed: Accumulator/Receiver Dryer; Orifice Tube; Oil and Refrigerant.
j. SEALS & GASKETS: Seals and Gaskets are covered only in conjunction with a repair or replacement of the above Covered Parts and are not covered as standalone
failures. Minor loss of fluid or seepage is considered normal and is not considered a mechanical Breakdown and is not eligible for Coverage.
3. SUPERIOR COVERAGE covers the following listed components:
a. ENGINE – GAS/DIESEL: Cylinder Block, Cylinder Head(s), Rotary Housing and all Internally Lubricated Parts contained within the engine including: Pistons; Piston Rings;
Connecting Rod Bearings; Crankshaft; Crankshaft Main Bearings; Camshaft; Camshaft Bearings; Cam Followers; Timing Chain or Belt; Timing Gears, Guides, Tensioners;
Rocker Arms; Rocker Shafts; Rocker Bushings; Cylinder Head Valves; Valve Guides; Valve Lifters; Valve Springs; Valve Retainers; Valve Seats; Push Rods; Water Pump;
Mechanical Fuel Pump; Oil Pump and Oil Pump Housing; Harmonic Balancer; Oil Pan; Timing Chain Cover; Intake and Exhaust Manifolds; Valve Covers; Engine Mounts.
(The oil pan and valve covers are only covered if damaged by the Breakdown of an internally lubricated part).
b. TURBO/SUPERCHARGER: (factory installed only) Turbocharger / Supercharger Housing and All Internally Lubricated Parts. (Housing is only covered if damaged by
Breakdown of an internally lubricated part.)
c. TRANSMISSION: (Automatic or Standard) Transmission Case and all Internally Lubricated Parts plus: Torque Converter; Flywheel/Flex Plate; Vacuum Modulator; Electronic
Shift Control Unit; Transmission Cooler; Transmission Mounts; Oil Pan; Slave/Clutch Master Cylinder; Pilot Bearing; and Throw-Out Bearing. (Transmission case is covered if
damage is due to the Breakdown of an internally lubricated part).
d. DRIVE AXLE ASSEMBLY: (Front and Rear) Drive Axle Case; All Internally Lubricated Parts contained within the Drive Axle; Locking Hubs; Drive Shafts; Center Support
Bearings; Universal Joints; Constant Velocity Joints; Axle Bearings; Four-Wheel Drive Actuator; and Differential Cover. (The drive axle housing is only covered if damaged by
the Breakdown of an internally lubricated part.)
e. TRANSFER UNIT: Transfer Case and All Internally Lubricated Parts. (Transfer case is only covered if damaged by the Breakdown of an internally lubricated part).
f. BRAKES: Master Cylinder; Power Brake Cylinder; Vacuum/Hydro Assist Booster; Disc Brake Caliper; Wheel Cylinders; Compensating Valve; Brake Hydraulic Lines and
Fittings; Hydraulic Control Unit; Hydraulic Trailer Brake Assembly and its Components. The following ABS Parts are also covered: Electronic Control Processor; Wheel Speed
Sensors; Hydraulic Pump/Motor Assembly; Pressure Modulator Valve/Isolation Dump Valve; and Accumulator.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 7 of 15 VSC-01D-EDS_06/22
g. STEERING: All Internally Lubricated Parts contained within the Steering Box; Rack and Pinion Gear; Power Steering Pump; Power Steering Hoses; Steering Knuckles;
Pitman Arm; Idler Arm; Tie Rod Ends and Drag Link; Steering Dampener; Upper and Lower Steering Column Shafts and Couplings, including Internal Tilt-Wheel Mechanism;
Steering Box and Rack and Pinion Gear Housings; Power Steering Assist Cylinder; Power Steering Pump Cooler; Twin “I” Beam & Bushings; and Steering Travel Stop. Rear
Wheel Steering: Rear Steering Shaft and Couplings; Power Cylinder and Pump; Electronic Control Unit/Solenoid; Phase Control Unit; Stepper Motor; Steering Box; Control
Valve; Rack; and Tie Rod Ends.
h. ELECTRICAL COMPONENTS: Alternator; Voltage Regulator; Starter Motor; Starter Solenoid and Starter Drive; Engine Compartment Wiring Harness; Computerized Timing
Control Unit; Electronic Ignition Module; Crank Angle Sensor; Knock Sensor; Ignition Switch; Ignition Switch Lock Cylinder; Front and Rear Window Wiper Motor, Washer
Pump and Switch; Stop Lamp Switch; Headlamp Switch; Turn Signal Switch; Heater/A.C. Blower Speed Switch; Manual Heater/A.C. Control Head; Horns; Trailer Brake
Wiring Harness; Auxiliary Power Supply Wiring; Exterior Cab Lighting; Auxiliary Fuel Tank Switching Unit and Switch; Electronic Instrument Cluster; Distributor; Ignition Coil;
Electronic Combination Entry System (Does Not Include Transmitters and Receivers for Remote Locks); Cruise Control Module, Transducer, Servo and Amplifier; Powertrain
Control Module; Headlamp Motors; Power Window Motor; Power Seat Motor; Power Mirror Motor; Power Antenna Motor/Mast Assembly; Convertible Top Motor; Power
Sunroof Motor; Power Window Switch; Cruise Control Engagement Switch; Power Seat Switch; Power Mirror Motor Switch; Rear Defogger Switch; Power Door Lock Actuator
and Switch.
i. AIR CONDITIONING: Condenser; Compressor, Compressor Clutch and Pulley; Air Conditioning Lines and Hoses; Evaporator; Idler Pulley and Idler Pulley Bearing; High/Low
Compressor Cut-Off Switch; Expansion Valve; and Pressure Cycling Switch. The following parts are also covered if they are required in connection with the repair of a
Covered Part listed above and only if they have failed: Accumulator/Receiver Dryer; Orifice Tube; Oil and Refrigerant.
j. FRONT & REAR SUSPENSION: Upper and Lower Control Arms; Control Arm Shafts and Bearings or Bushings; Upper and Lower Ball Joints; Radius Arm and Bushings;
Torsion Bar Mounts and Bushings; Stabilizer Bar, Links and Bushings; Struts; Strut Bearing Plates; Spindle and Spindle Support; Wheel Bearings; Pannard Bar; Track Bar;
Suspension Bumpers; Leaf Springs; Leaf Spring Shackles and Hardware; Load Assist Springs; and Coil Springs. Variable Dampening Suspension: Compressor; Control
Module; Dampening Actuator; Solenoid; Struts; Height Sensor; and Mode Selector Switch.
k. FUEL SYSTEM: Primary Fuel Pump; Fuel Injection Pump and Injectors; Vacuum Pump; Fuel Tank; Fuel Tank Sending Unit; Metal Fuel Delivery Lines; Fuel Pressure
Regulator; and Fuel Tank Switching Unit/Switch.
l. COOLING SYSTEM: Engine Cooling Fan and Motor; Fan Clutch; Belt Tensioner; Radiator; Heater Core; Thermostat; Blower Motor; Hot Water Valve; Engine Oil Cooler;
Cooler Lines and Fittings.
m. SEALS & GASKETS: Seals and Gaskets are covered only in conjunction with a repair or replacement of the above Covered Parts and are not covered as standalone
failures. Minor loss of fluid or seepage is considered normal and is not considered a mechanical Breakdown and is not eligible for Coverage.
4. SUPREME COVERAGE provides Coverage as follows:
Supreme Coverage provides for payment or reimbursement of costs authorized by the Administrator to repair or replace any Breakdown of all part(s) or component(s), including
seals and gaskets, except those listed under Section VIII. Exclusions - What is Not Covered, less the Contract Holder’s Deductible amount, in accordance with all terms and conditions
of this Contract.
5. SUPREME WRAP COVERAGE provides Coverage as follows:
Supreme Wrap Coverage “wraps” around Your current manufacturer’s powertrain warranty and provides for payment or reimbursement of costs authorized by the Administrator to
repair or replace any Breakdown of all part(s) or components(s), including seals and gaskets, except for all components originally covered by Your manufacturer’s powertrain
warranty, and those listed under Section VIII. Exclusions - What is Not Covered, less the Contract Holder’s Deductible amount, in accordance with all terms and conditions of this
Contract. The manufacturer remains responsible for all parts and labor that are included in the original manufacturer’s powertrain warranty. In addition – no failure of a Covered Part
will be covered if failure is a result of consequential damage caused by a powertrain failure. Supreme Wrap Coverage is measured in time/mileage from the original factory
warranty in-service date and zero (0) miles.
D. OPTIONAL COVERAGE:
Your Contract provides additional Coverage as follows if You have selected and purchased Optional Coverage as shown on Your Identification Card and in the Options box on the
Application Page of this Contract:
1. High Tech Option (available on Superior Coverage only; included with Supreme Coverage) – If You have selected High Tech Coverage as indicated on the Application
Page, You have Coverage for Back Up Camera & Sensors/Perimeter Warning; Video System & Display Screen (does not cover minimal pixel damage); GPS/NAV Systems; Blind
Spot Sensors; Electronic Driver Information Display; Anti-Theft Systems (remote excluded).
2. Commercial Use Option – If You have selected Commercial Use Coverage as indicated on the Application Page, You have Coverage in accordance with the applicable terms
of this Contract even when the Vehicle is utilized for a Commercial Use as defined in the Section II. Definitions of this Contract. This surcharge is mandatory as it applies.
Commercial Use Option must be selected at the time of Purchase of this Contract and cannot be added subsequent to purchase.
3. Tire Modification/Body or Suspension Lift Option – If You have selected Tire Modification/Body or Suspension Lift Coverage as indicated on the Application Page, You have
Coverage in accordance with the applicable terms of this Contract even when the Vehicle is equipped with body or suspension lifts. This surcharge is mandatory as it applies.
The lift kit and its assemblies that are in addition to factory installed parts are excluded from Coverage. The maximum increase for a body/suspension lift combined cannot exceed
four (4) inches. The maximum tire height modification allowed is four (4) inches in overall diameter larger than the manufacturer’s specifications as displayed on the placard of
Your Vehicle. Any modification that voids the original manufacturer warranty will also void the Coverage provided under this Contract. No Coverage is available for suspension
reductions or undersized wheels or tires. Coverage is supplemental to any manufacturer’s coverage and will not apply to any failure for which the manufacturer has denied
coverage due to the installation of the lift kit.
4. Hybrid Vehicle Option (available on Superior and Secure Plus Coverages only; included with Supreme Coverage) – If You have selected Hybrid Vehicle Option as indicated
on the Application Page, You have Coverage in accordance with the applicable terms of this Contract for any hybrid electric drive motor, power controller, inverter assembly,
generator(s), electronic air conditioning compressor, electronic power steering pump. Batteries are excluded. This surcharge is mandatory as it applies.
VII. ADDITIONAL BENEFITS
Your Vehicle Service Contract provides the following Benefits:
A. Rental Car Benefit and Substitute Transportation: In the event of a Covered Repair, We will pay or reimburse You for receipted expenses to rent a replacement vehicle
(from a licensed rental agency) or for alternate public transportation while Your Vehicle is at a Licensed Repair Facility. Coverage will be provided to You up to a maximum
of thirty dollars ($30) per day and a maximum of one hundred fifty dollars ($150) per Covered Repair. Rental car reimbursement will not continue beyond the day that
repairs are completed, and You are notified of the completion.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 8 of 15 VSC-01D-EDS_06/22
B. 24-Hour Roadside Assistance Services and Benefits: All roadside assistance services and Benefits are administered through QUEST TOWING SERVICES, LLC, 106 W. Tolles
Drive, Saint Johns, MI 48879, 877-488-2418 in California by Quest Motor Club of California, in Alabama and Utah by Quest Towing, Inc., all entities being individually and
collectively referred to as Quest Towing Services.
1. Emergency Roadside Service: 24-hour Roadside Service is provided when Your Vehicle is disabled, while this Contract is in effect and is available by calling 877-488-2418.
Please provide the dispatcher with Your Contract Number (which is on the top right of Your Contract). Covered services are not obtained through Us.
2. Mechanical First Aid: Any service requiring a minor adjustment (exclusive of parts) to enable the Vehicle to proceed under its own power (where available). You are responsible
for the cost of any parts delivered.
3. Tire Service: The changing of flat tire on the covered Vehicle with Your provided spare.
4. Battery Service: Attempting to start the covered Vehicle with a booster battery.
5. Delivery Service: We will cover the cost of delivering needed fuel or fluid to Your Vehicle at the disablement location. (You must pay for the cost of the actual fluids).
6. Towing Service: We will cover in total any tow of the Vehicle up to twenty-five (25) miles or less.
7. Lockout Services: If keys are locked inside the passenger compartment of the covered Vehicle, a locksmith will be dispatched for services.
8. Trip Interruption: In the event of a Covered Repair, We will reimburse You up to a maximum of one hundred fifty ($150) dollars per day for a maximum of three (3) days,
not to exceed a total of four hundred fifty ($450) dollars, for expenses incurred by You for meals and/or lodging, provided: You cannot operate Your Vehicle due to a
Covered Repair and the Breakdown occurs more than one hundred (100) miles away from Your home, and expenses are incurred between the time of Breakdown and the time
the Covered Repairs are completed. (The date of Breakdown shall be considered the first day). One (1) day’s Trip Interruption expense shall be allowed for each eight (8) hours,
or portion thereof, of required manual flat-rate labor time.
Coverage: You are entitled to one (1) service of any type described in this Section per seventy-two (72) hours. Services available to You (subject to the terms above) at no cost include
a tow, battery jumpstart, flat tire change, fuel delivery, and lockout.
Reimbursement: In the event Your Vehicle is disabled, and You contracted for any 24-Hour Roadside Assistance Services and Benefits on Your own, You will be able to submit
Your original receipted road service expenses for reimbursement consideration. Maximum reimbursement for any 24-Hour Roadside Assistance Services and Benefits
contracted for by You is strictly limited to fifty ($50) dollars per Covered Repair (one hundred fifty ($150) dollars per day for Trip Interruption in the event of a Covered
Repair). You must send Your original receipted roadside bills along with a completed claim form to: QUEST TOWING SERVICES, LLC, 106 W. Tolles Drive, Saint Johns, MI 48879,
877-488-2418.
VIII. EXCLUSIONS – WHAT IS NOT COVERED
This Contract does NOT provide Coverage for any of the following:
A. For any part not specifically listed in Section VI. What is Covered under the component protection and/or Optional Coverage You selected as shown on Your Identification
Card and in the Coverage and/or Options box on the Application Page of this Contract.
B. For maintenance services and parts described in Your Vehicle’s owner’s manual as supplied by the manufacturer and other normal maintenance services and parts which
include, but are not limited to alignments, adjustments, wheel balancing, tune-ups, spark plugs, spark plug wires, glow plugs, hoses (unless listed as specific Covered
Parts), drive belts, brake pads, brake linings/shoes, and wiper blades. Filters, lubricants, coolants, fluids and refrigerants will be covered only if replacement is required in
connection with a covered Breakdown. For any of the following parts: thermostat housing, shock absorbers, carburetor, battery and battery cable/harness, standard
transmission clutch assembly, dual clutch transmission assemblies, friction clutch disc and pressure plate, distributor cap and rotor, safety restraint systems (including
air bags), glass, lenses, sealed beams, light bulbs, LED lighting, HID lights, fuses, circuit breakers, cellular phones, personal computers, and pre-heated car systems,
game centers, speakers. Radio, compact disc player, and cassette player covered if manufacturer installed but limited to one thousand ($1,000) dollars repair or
replacement costs, electronic transmitting/receiving devices, voice recognition systems, remote control consoles, radar detection devices, brake rotors and drums, all
exhaust components, and the following emission components: EGR valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/valves, air
pump/lines/valves, catalytic converter/filtering/sensors, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside
ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible top assemblies, door handles, lift gate
handles, tailgate handles, door bushings/bearings, hardware or linkages, tires, tire pressure sensors, wheel/rims, programming, reprogramming, or updating a component
that has not mechanically failed. Any equipment not installed by the manufacturer. External nuts, bolts and fasteners are not covered unless specifically listed in the
Schedule of Coverage (except where required in conjunction with a covered repair).
C. For any damage and/or Breakdown resulting from damage caused to an Eligible Component by impact or any other external force known or unknown, collision, bent or
twisted parts, rust or corrosion, salt, environmental damage, contamination, oxidation, carbon, sludge, varnish, restricted oil passages, lack of proper quality or quantity
of fluids or lubricants, damage caused when the engine exceeds the manufacturer's maximum recommended operating temperature (as indicated by gauges, warning
lights, or audible warning sounds, warped, discolored or melted parts). Engine block and cylinder heads are not covered if damaged by overheating, freezing or warping.
Any Breakdown resulting from acts of nature including but not limited to lightning, earthquake, windstorm, volcanic eruption, and freezing.
D. For any loss caused by faulty or negligent auto repair work, improper servicing, or installation of defective parts. For any repair that has been misdiagnosed by the
Licensed Repair Facility, or any failure that cannot be verified as accurate or is found to be inaccurate.
E. For any Breakdown caused by Your failure to follow the instructions in Section IV. Your Responsibilities and Section V. Filing a Breakdown Claim, any Breakdown where
maintenance records pertaining to a Breakdown have been requested by Us but cannot be produced or verified, or Breakdown as a result of lack of normal maintenance
required by the manufacturer’s maintenance schedule for Your Vehicle.
F. For new Vehicles that do not have the full manufacturer warranty in place or acknowledged by the manufacturer. For Breakdown or failure costs that should be covered by
a manufacturer's warranty, recall, factory bulletin and/or any other dealer customer assistance program. For mechanical Breakdown or failure costs that should be
covered by the warranty of parts or workmanship on a previously repaired or replaced component, regardless of the manufacturer's or repairer's ability to pay for such
repairs or when the responsibility for the repair is covered by an insurance.
G. For any Pre-Existing Condition, for any Breakdown that occurs, or begins to occur, prior to the expiration of the
Waiting Period or reported after the Expiration Date or Mileage, or if the information provided by You, or the
Licensed Repair Facility cannot be verified as accurate or is found to be deceptively inaccurate. Pre-Existing
conditions are not covered.
H. For any repair or replacement made without prior authorization from Administrator to Licensed Repair Facility.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 9 of 15 VSC-01D-EDS_06/22
I. For any repair for the purpose of correcting engine compression, correcting oil consumption, or the gradual reduction of performance when a mechanical Breakdown has
not occurred. Valve grinding, valve guides, burnt valves, stuck valves, burnt piston, and/or stuck rings are not covered. Damage caused by preignition detonation, pinging,
improper/contaminated fuel, fuels containing more than ten (10%) percent ethanol (if the engine was not manufactured for this mixture), excessive fuel conditions, lean
fuel conditions, clogged fuel injectors, improper lubricants or improper engine adjustments. For any Breakdown caused by failure to maintain proper levels of lubrication,
lubricant blockage, coolant blockage, lack of lubrication or carbon buildup. For repairs to seized or damaged parts due to operation without sufficient oil or coolant.
J. For loss of time, expense, storage charges, loss of use of Vehicle, loss of profits, income or other consequential damages, including, but not limited to loss or damage or
injury to persons or property resulting from Breakdown of any of Eligible Component.
K. For accidental loss or damage, physical damage, collision or upset, road hazard, falling objects, fire, theft, larceny, hail, explosion, lightning, earthquake, windstorm,
water, flood, malicious mischief, vandalism, riot, civil unrest, negligence, abuse or misuse, lack of normal maintenance required by the Owner’s Manual for Your Vehicle.
L. For any Breakdown caused by rust, residue, electrolysis or corrosion. For any mechanical Breakdown caused by the failure of any nuts, bolts or fasteners unless
internally lubricated.
M. For any Vehicle that has ever been declared a total loss, or has ever been issued a restricted title, including but not limited to salvage/refundable, salvage theft,
assembled, dismantled, scrap, fire, flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only, or if said vehicle is a grey market
vehicle or declared a “lemon”. For any loss if the odometer has failed, been broken, disconnected or altered, or if for any reason the Vehicle's actual accumulated mileage
cannot be determined.
N. For a Breakdown of an Eligible Component caused by Your failure to perform reasonable repairs recommended by the dealer, Licensed Repair Facility, or Administrator.
For any damage caused by failure to protect Your Vehicle from further damage when a Breakdown has occurred or failure to have Your Vehicle towed to the service facility
when continued operation may result in further damage. Continued operation includes Your failure to observe warning lights, gauges, or any other signs of overheating or
component failure, such as fluid leakage, slipping, knocking, or smoking, and not protecting Your Vehicle by continuing to drive creating damage beyond the initial failure.
Lack of mechanical knowledge is not an excuse for continued operation. For any safety related maintenance events required by Your state or the manufacturer of Your
Vehicle or a Breakdown caused by continued operation of the Vehicle in an overheated condition irrespective of thermostat failure or the lack of proper and necessary
amounts of coolants or lubricants.
O. For any part or repair that a Licensed Repair Facility or manufacturer recommends or requires to be repaired, replaced, adjusted or updated (including updating software
or programming), in conjunction with a Covered Repair when a Breakdown of that part has not occurred. This includes modifications, replacement, or alteration of original
systems necessitated by the replacement of an obsolete, superseded, redesigned, or unavailable part. For any repair or replacement of any covered part if a Breakdown
has not occurred or if the wear on that part has not exceeded the field tolerances allowed by the manufacturer under normal operating conditions, damage to a non-
covered part by an Eligible Component is also excluded.
P. For Commercial Use Vehicles unless the appropriate Commercial Use Option is selected on the Application Page, and the appropriate surcharge has been paid, in which
case only Vehicles that are being used for purposes that fall within the definition of Commercial Use will be covered.
Q. If any alterations have been made to Your Vehicle or You are using or have used Your Vehicle in a manner not recommended by the manufacturer, including but not
limited to any custom or add-on part, trailer hitches, suspension lifts or reductions, oversized/undersized wheels or tires, emissions and/or exhaust system modifications,
engine modifications, transmission modifications, drive axle modifications, and includes any performance modifications. This exclusion does not apply to suspension lift
kits, oversize wheels, and/or tires when the Tire Modification/Body or Suspension Lift Option box is selected on the Application Page and the appropriate surcharge is
paid. The maximum increase for a body/suspension lift combined may not exceed four (4) inches. The maximum tire height modification allowed is four (4) inches in
overall diameter larger than the manufacturer’s specifications as displayed on the placard of Your Vehicle. No Coverage is available for suspension reductions or
undersized wheels or tires. Any modification that voids the original manufacturer warranty will also void the Coverage provided under this Contract.
R. For any Breakdown occurring outside of the United States of America or Canada.
S. For any Loss arising out of the unauthorized access or use of any system, software, hardware, or firmware, or any modification, reprogramming, destruction, or deletion of
data or software by any means.
IX. LEGAL CLAIMS AND DISPUTES
A. PRE-LITIGATION REQUEST FOR RECONSIDERATION:
If You believe We have improperly denied a claim for repairs, You should, before bringing any complaints, demands or other proceedings before any court, government agency,
administrative body or third party, request a reconsideration of the denial via email to [email protected] or via first-class mail to Endurance Dealer Services, LLC, ATTN:
Reconsideration, 400 Skokie Blvd, Suite 105, Northbrook, IL 60062. Please include Your full name and Contract number, a brief description of why You believe the claim was improperly
denied, and any other information or documentation You believe is relevant to the claim. Please allow Us 48 business hours from the time of receipt to respond.
B. ALTERNATIVE DISPUTE RESOLUTION:
We reserve the right, in the interests of efficient and judicious resolution of disputes, to demand that any claim, complaint or demand initiated by You relating to the Coverage provided under
this Contract be settled by an alternative dispute resolution procedure before a recognized and/or accredited third-party organization of Our choosing, including, but not limited to, arbitration,
mediation, and/or conciliation, with the cost of such alternative dispute resolution to be paid entirely by Us. Should We elect to pursue alternative dispute resolution, We will provide a written
Notice of Alternative Dispute Resolution to Your address, as identified on the Application Page, and You agree to promptly and voluntarily discontinue any pending complaint, demand or
other proceeding and proceed with the alternative method selected by Us.
X. SPECIAL STATE-SPECIFIC REQUIREMENTS
These special state requirements apply if Your Contract was delivered in the following state and supersede any other provisions herein to the contrary:
ALABAMA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If no claim has been made under this Contract, You may return the Contract within twenty (20) days of the date the Contract was mailed
to You, or within ten (10) days of delivery if the Contract was delivered to You at the time of sale. In such case, if no claim has been made, this Contract will be void and We will refund the
Contract Purchase Price. Any refund for a voided Contract will be paid within forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty per month will
be added to the refund. The right to void the Contract is not transferable and applies only to the original Contract Holder. Subsequent to that period of time, or if You have filed a claim
hereunder, We will provide a pro rata refund less an administration fee of up to twenty-five ($25) dollars. The refund will be equal to the lesser amount produced using either the number of
months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation. If We cancel this Contract for a reason
other than nonpayment or material misrepresentation by You, We will provide You with a written notice at Your last known address as reflected in Our files stating the effective date of and
reason for Cancellation at least five (5) days prior to Cancellation.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 10 of 15 VSC-01D-EDS_06/22
ALASKA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If no claim has been made under this Contract, You may return the Contract within thirty (30) days after the date that the motor Vehicle
service Contract was delivered to You, or no later than ten (10) days after the date of delivery if this Contract was presented to You at the time of sale. In such case, if no claim has been
made, this Contract will be void and We will refund the Contract Purchase Price. Any refund for a voided Contract will be paid within forty-five (45) days of receiving the returned Contract,
or a penalty in the amount of ten percent (10%) of the Purchase Price will be added to Your refund for each month that the refund remains unpaid. The right to void this Contract is not
transferable and applies only to the original Contract Holder. After the applicable thirty (30) or ten (10) day period, or if You have filed a claim, You may cancel this Contract and receive a
refund equal to the prorated amount of the unearned Purchase Price, less claims paid, and We may assess a reasonable Cancellation fee not to exceed seven- and one-half percent (7.5%)
of the unearned Purchase Price. This refund will be issued to You within forty-five (45) days after You cancel this Contract, or a penalty in the amount of ten percent (10%) of the unearned
Purchase Price shall be added to Your refund for each month that the refund is not paid. We may only cancel this Contract for the following reasons: (1) nonpayment of the provider fee; (2)
if You are convicted of a crime having as one of its necessary elements an act increasing a hazard covered by this Contract; (3) discovery of fraud or material misrepresentation made by
You, or Your representative, in obtaining this Contract or by You in pursuing a claim under this Contract; (4) discovery of a grossly negligent act or omission by You that substantially
increases the hazards covered by this Contract; (5) physical changes in the property covered by this Contract that result in the property becoming ineligible for Coverage under this
Contract; or (6) substantial breach of duties by You related to the covered Vehicle. If We cancel this Contract for any reason other than nonpayment or material misrepresentation by You in
obtaining this Contract or pursuing a claim under this Contract, We will provide You with a written notice, sent to Your last known address as reflected in Our files stating the effective date of
and reason for Cancellation at least five (5) days prior to Cancellation. If We cancel this Contract, We will provide You with a refund equal to the prorated amount of the unearned Purchase
Price, less any claims paid. This refund will be issued to You within forty-five (45) days after We cancel this Contract, or a penalty equal to ten percent (10%) of the unearned Purchase Price
will be added to Your refund for each month that the refund remains unpaid.
ARIZONA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If We deduct a fee for Our administrative expenses associated with Cancellation, such fee will not exceed seventy-five dollars ($75) or
ten percent (10%) of the purchase price of this Contract, whichever is less. Any administrative fee assessed will not exceed the amount of the refund due to You. We will not exclude, cancel
or void coverage under this Contract due to Pre-Existing conditions that were known to Us or the seller or that reasonably should have been known to Us or the seller, prior use or unlawful
acts relating to the Vehicle or misrepresentation by either Us or the seller. Further, neither We nor Our assignees or subcontractors will cancel or void Coverage under this Contract due to
the acts or omissions of Us, Our assignees or subcontractors or for their failure to provide correct information or perform the services or repairs provided in a timely, competent or
workmanlike manner. Section III.C. Entire Agreement of Your Contract is amended as follows: “This Contract does not exclude Coverage if the odometer was tampered with prior to
purchase.” Section IX.B. Alternative Dispute Resolution does not prevent the Contract Holder from his or her rights to file a complaint with the Arizona Department of Insurance and Financial
Institutions, Consumer Protection Division, 100 N. 15
th
Avenue, Suite 261, Phoenix, AZ 85007. Section VIII. Exclusions – What is Not Covered is amended as follows: Parts or components
repaired or replaced are not excluded. We will not cancel or void this Contract based on ineligibility for Coverage, including gray market, high performance, and GM diesel autos.
ARKANSAS SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract after the first thirty (30) days, or if You have made a claim, You will be entitled to a pro rata refund of the service
contract retail price, less a Cancellation fee of fifty ($50) dollars.
CALIFORNIA SPECIAL STATE REQUIREMENTS:
Section II. Definitions is amended as follows: Administrator – Means Endurance Dealer Services, LLC, 400 Skokie Blvd., Suite 105, Northbrook, IL 60062, 877-302-6721 (Texas license
number: 639; California license number: 0K11393; Oklahoma license number: 44201382). Section III.K. Guarantee is amended as follows: Performance to You under this Contract is
guaranteed by a California approved insurance company. You may file a claim with this insurance company if any promise made in the Contract has been denied or has not been honored
within sixty (60) days after Your request. The insurer is Wesco Insurance Company, 59 Maiden Lane, 43rd Floor, New York, NY 10038, 866-505-4048. If You are not satisfied with the
insurance company’s response, You may contact the California Department of Insurance at 1-800-927-4357 or access the department’s Internet Web site (www.insurance.ca.gov). Section
III.H. Cancellations is amended as follows: Within the first sixty (60) days after receipt of the Contract, or with respect to a Contract covering a used motor Vehicle without a manufacturer's
warranty, within the first thirty (30) days after receipt of the Contract, You may cancel this Contract and if no claims have been filed, You will receive the full Purchase Price paid as a refund.
If a claim has been made, within the first sixty (60) days of receipt of the Contract, or within the first thirty (30) days of receipt of this Contract if this Contract covers a used motor Vehicle
without a manufacturer's warranty, a pro rata refund, based on either time or mileage as determined by Us at the time of Cancellation, shall be made to You. After the first sixty (60) or thirty
(30) day period, as applicable, You may cancel this Contract and receive a pro rata refund, based on elapsed time or mileage as determined by Us at the time of Cancellation, and We may
deduct a Cancellation fee, calculated as the lesser of ten percent (10%) of the Purchase Price of this Contract or twenty-five ($25) dollars. We may cancel this Contract within sixty (60)
days under the following conditions: (1) We mail notice of Cancellation to You, postmarked before the sixty-first (61st) day after the date that this Contract was sold; (2) We provide You with
a refund equal to the full Purchase Price within thirty (30) days from the date of Cancellation. However, if We have paid a claim, or have advised You in writing that We will pay a claim, Your
refund will be pro rata, less the amount of any claims paid prior to Cancellation; (3) this Contract will cease to be valid no less than five (5) days after the postmark date of the notice; and (4)
the notice will state the specific grounds for Cancellation. We may cancel at any time for nonpayment, subject to the following conditions: (1) We mail notice of Cancellation to You; (2) any
refund owed to You will be paid within thirty (30) days of the date of Cancellation; (3) this Contract will cease to be valid no less than five (5) days after the postmark date of the notice; and
(4) the notice shall state the specific grounds for Cancellation. We may cancel at any time for material misrepresentation or fraud by You, subject to the following conditions: (1) notice of
Cancellation is mailed to You; (2) We issue You a pro rata refund of the Purchase Price, less the amount of any claims paid, within thirty (30) days of the date of Cancellation; and (3) the
notice states the specific nature of the misrepresentation. If We cancel this Contract, We will be liable for any claim reported to Us or Our designated person to receive claims, if the claim is
reported to Us prior to the effective date of Cancellation. You will be deemed to have filed a claim if You have completed the first step required under this Contract for reporting a claim.
COLORADO SPECIAL STATE REQUIREMENTS:
The policy number for Wesco Insurance Company is [WIC-EWC-VSC-071812].
CONNECTICUT SPECIAL STATE REQUIREMENTS:
Connecticut law requires an automobile dealer to provide a warranty covering certain classes of used motor Vehicle as follows: Used Vehicles with a sale price of three thousand ($3,000)
dollars, but less than five thousand ($5,000) dollars, warranty coverage must be provided for thirty (30) days or one thousand five hundred (1,500) miles, whichever occurs first; for used
Vehicles with a sale price of five thousand ($5,000) dollars or more, warranty coverage must be provided for sixty (60) days or three thousand (3,000) miles, whichever occurs first. This law
may cover the Vehicle You have purchased. If so, the following is added to this Contract: In addition to the dealer warranty required by this law, You have elected to purchase this Contract,
which may provide You with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. You have been charged separately only for
this Contract. The required dealer warranty is provided free of charge. Furthermore, the definitions, Coverage and Exclusions in this Contract apply only to this Contract and are not the
terms of the required dealer warranty. The Contract Holder may cancel at any time for any reason, including if Your Vehicle is sold, lost, stolen, or destroyed. Should this Contract expire
while repairs covered under this Contract are in process, the term of this Contract will be automatically extended to the date that the Vehicle is released from the Repair Facility. Section
IX.B. Alternative Dispute Resolution is amended to advise You that the State of Connecticut has established an arbitration process to settle disputes between You and Us arising from the
Contract. A written complaint may be mailed to: State of Connecticut, Insurance Department, PO Box 816, Hartford, CT, 06142-816, Attention: Consumer Affairs. Written complaints must
describe the dispute, the price of the product and cost of repair, and include a copy of this Contract.
DISTRICT OF COLUMBIA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: A ten (10%) percent penalty per month shall be added to a refund that is not paid or credited within 45 days after the return of the service
contract to the provider. If You cancel outside of the Free Look Period, the cancellation fee shall not exceed the lesser of ten (10%) percent of the gross provider fee paid by You or fifty ($50).
If We cancel this Contract, We shall mail a written notice to You at the last known address We have on file or you at least five (5) days prior to cancellation by Us. The cancellation notice shall
state the effective date of cancellation and the reason for cancellation. Prior notice of cancellation is not required if the reason for cancellation is nonpayment, a substantial breach of duties by
You relating to the Covered Vehicle or its use, or a material misrepresentation by You to Us.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 11 of 15 VSC-01D-EDS_06/22
FLORIDA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is deleted and replaced with the following: If this Contract is cancelled by You within sixty (60) days of purchase, one hundred percent (100%) of the gross premium
paid will be refunded less the amount of any claims paid on the Contract and less an administrative fee not to exceed five percent (5%) of the gross premium paid or fifty dollars ($50), whichever
is less. If You cancel this Contract after the first sixty (60) days, the unearned pro rata premium will be refunded less the amount of any claims paid and less an administrative fee not to exceed
ten percent (10%) of the unearned pro-rata premium or fifty dollars ($50), whichever is less. Elapsed time and mileage shall be measured from the Purchase Date and Mileage. Within the
first sixty (60) days of purchase, We cancel this Contract for any reason. After the first sixty (60) days, We may only cancel this Contract if there has been a material misrepresentation or
fraud at the time of sale of the Contract; if You have failed to maintain the vehicle as prescribed by the manufacturer; if the odometer has been tampered with or disabled and You have failed
to repair the odometer; or for nonpayment of premium by You, in which case We shall provide You with notice of cancellation by certified mail. If We cancel this Contract, We will refund You
one hundred percent (100%) of the paid unearned pro rata premium, less the amount of any claims paid on the Contract. Elapsed time and mileage shall be measured from the Purchase
Date and Mileage. If this Contract has been financed, the lienholder or third-party finance company may cancel this Contract for non-payment, or if Your Vehicle has been declared a total loss,
or if Your Vehicle has been repossessed. Section III.I. CONTRACT HOLDER’S TRANSFER CONDITIONS is amended as follows: The transfer fee will be forty dollars ($40). Section IX.B.
ALTERNATIVE DISPUTE RESOLUTION is amended as follows: Arbitration is non-binding in the State of Florida. Arbitration proceedings shall be conducted in the county in which You reside.
The following is added to the contract: The rate charged to You for this Contract is not subject to regulation by the Florida Office of Insurance Regulation.
GEORGIA SPECIAL STATE REQUIREMENTS:
The Waiting Period shall not exceed thirty (30) days, and thirty (30) days will be added to the Contract term at Expiration Date. We will not deny a claim under this Contract for a
Breakdown caused by sludge build-up resulting from Your failure to perform recommended maintenance services. Section VIII.D. is amended to delete as follows: misdiagnosed by the
Licensed Repair Facility. Section VIII.G. is deleted and replaced as follows: Pre-Existing conditions known to You are not covered and if the information provided by You cannot be verified
as accurate. Section VIII.Q. is amended to add the following: However, alterations are only excluded if made by You or with Your knowledge. Section III.H. Cancellations is amended as
follows: We may only cancel this Contract for fraud, material misrepresentation, or nonpayment and You will receive a 30-day written notification. In the event We cancel this Contract, We
will retain a pro-rata amount based on greater of the days in force or the miles driven related to the term of this Contract and a Cancellation fee of ten percent (10%) of the pro-rata refund
amount, not to exceed fifty dollars ($50) will be assessed. If You return this Contract within the first thirty (30) days of purchase and do not receive a refund from Us within forty-five (45) days
after You return the Contract to Us, a penalty of ten percent (10%) per month shall be added to Your refund. If You cancel this Contract within the first thirty (30) days after purchase, You will
receive a full refund of the Contract purchase price less claims paid. If You cancel this Contract after thirty (30) days, an administrative or Cancellation fee of ten percent (10%) of the pro-
rata refund amount or fifty dollars ($50) ), whichever is less, will be assessed. Section VIII. Exclusions – What is Not Covered, the last sentence in item M. is deleted in its entirety and
replaced with the following: For any loss, if subsequent to the purchase of this Contract, the odometer has failed, been broken, disconnected, or altered, or for any reason the Vehicle’s actual
mileage cannot be determined. Section IX.B. Alternative Dispute Resolution is deleted in its entirety. The lienholder/finance company must hold power of attorney to cancel this Contract for
nonpayment.
HAWAII SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within thirty (30) days of Us mailing it to You or with twenty (20) days of delivery if the Contract was delivered
to You at the time of sale and no claim has been made hereunder, the Contract is void and We will refund the entire Contract purchase price. Any refund for a voided Contract will be paid
within forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty per month will be added to the refund. The right to void this Contract is not
transferrable and applies only to the original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract
and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the
number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying
mileage at the time of Cancellation, less an administrative fee of fifty dollars ($50) and the total amount of all claims paid. If We cancel this Contract, We will mail to You a notice of
Cancellation at Your last known address as reflected in Our files stating the effective date and reason for Cancellation at least five (5) days prior to Cancellation. However, We will not
provide a notice of Cancellation if the reason for Cancellation is nonpayment of the purchase price, material misrepresentation by You to Us, or a substantial breach of Your duties under
the terms of the Contract.
IDAHO SPECIAL STATE REQUIREMENTS:
Coverage afforded under this Contract is not guaranteed by the Idaho Guarantee Association. Section III.H. Cancellations is amended as follows: We will not deduct the total amount of
claims paid from any refund due as a result of the Cancellation of this Contract by You.
ILLINOIS SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: Any service charge assessed by Us in connection with Cancellation shall not exceed the lesser of ten (10%) percent of the Purchase
Price or fifty ($50) dollars.
INDIANA SPECIAL STATE REQUIREMENTS:
This Contract is not insurance and is not subject to Indiana insurance law. Your proof of payment to the issuing seller for this Contract shall be considered proof of payment to the Insurance
Company which guarantees Our obligations to You, providing such insurance was in effect at the time You purchased this Contract.
IOWA SPECIAL STATE REQUIREMENTS:
This Contract is subject to rules administered by the Iowa Insurance Division. You may call the Insurance Division at 515-281-5705. Written inquiries or complaints should be mailed to the
following address: Iowa Insurance Division, 1963 Bell Avenue, Suite 100, Des Moines, IA 50315. We will not use used parts to make a repair under this Contract without prior written
authorization from You unless such parts were rebuilt in accordance with Iowa Administrative Code Rule 191-103.6(5)a.(9). Section III.H. Cancellations is amended as follows: You may
return this Contract to Us or the seller for a full refund of the Contract Purchase Price within ten (10) days after delivery if the Contract was delivered at the time of sale, provided there has
been no claims(s) filed under this Contract. You may return this Contract to Us or the seller for a full refund of the Contract Purchase Price within twenty (20) days of Us mailing this
Contract to You, provided there has been no claim(s) filed under this Contract. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may
cancel this Contract and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this
Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or
notarized affidavit verifying mileage at the time of Cancellation, less an administrative fee not to exceed ten percent (10%) of the total Contract Purchase Price and the total amount of all
claims paid. A ten percent (10%) penalty per month shall be added to a refund that is not made within thirty (30) days of the return of the Contract to the seller or Us. If You cancel this
Contract, We will mail a written notice of Cancellation to You within fifteen (15) days of the date of termination. If We cancel this Contract, We will provide written notice to You at Your last
known address as reflected in Our files at least fifteen (15) days prior to Cancellation and the notice will state the effective date and reason for Cancellation, however, such prior notice is
not required if We cancel for nonpayment of the Purchase Price, a material misrepresentation by You to Us, or a substantial breach of duties by You relating to the covered Vehicle or its
use. If We cancel for any other reason than nonpayment, You will receive a refund equal to one hundred percent (100%) of the unearned Purchase Price paid, calculated on a pro rata basis
based upon elapsed time or mileage, less any claims paid, and less a reasonable administrative fee not to exceed ten percent (10%) of the total Purchase Price.
KANSAS SPECIAL STATE REQUIREMENTS:
Locksmith and Tire Service are not available.
LOUISIANA SPECIAL STATE REQUIREMENTS:
If You cancel this Contract within twenty (20) days of Us mailing it to You or ten (10) days of delivery if the Contract was delivered at the time of purchase, and if no claim has been made
hereunder, the Contract is void and We will refund the entire Purchase Price. Any refund for a voided Contract will be paid within forty-five (45) days after return of the Contract or a ten
percent (10%) penalty per month shall be added to the refund. The right to void this Contract is not transferable and applies only to the original Contract Holder. This Contract is not
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 12 of 15 VSC-01D-EDS_06/22
insurance and is not regulated by the Louisiana Department of Insurance. Any concerns or complaints regarding the Contract may be directed to the Attorney General of the State of
Louisiana. Section III.H. Cancellations is amended as follows: If We cancel this Contract, We will mail to You written notice of Cancellation at Your last known address as reflected in Our
files at least fifteen (15) days prior to Cancellation stating the effective date and reason for Cancellation, however, prior notice is not required if We cancel for nonpayment of the Purchase
Price, material misrepresentation by You to Us, or a substantial breach in Your duties relating to the covered Vehicle or its use.
MAINE SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days of Us mailing it to You or ten (10) days of delivery if the Contract was delivered at the
time of purchase and no claim has been made hereunder, the Contract is void and We will refund the entire Contract Purchase Price. Any refund for a voided Contract will be paid within
forty-five (45) days of receiving notice of Cancellation from You or a penalty equal to ten percent (10%) of the Purchase Price outstanding will be added to Your refund. The refund for a
cancellation during this period will include any sales tax refund required pursuant to state law. The right to void this Contract is not transferrable and applies only to the original Contract
Holder. Subsequent to this time period, or if a claim was made during this time period, You may cancel this Contract and We will refund the unearned Contract Purchase Price calculated on
a pro rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle
was driven prior to Cancellation less an administration fee of 10% of the Contract Purchase Price and the total amount of all claims paid. If We cancel this Contract, We will mail to You a
written notice of Cancellation at Your last known address as reflected in Our files fifteen (15) days prior to Cancellation stating the effective date and reason for Cancellation. If We cancel
this Contract for any reason other than nonpayment by You, one hundred percent (100%) of the unearned pro rata Purchase Price, less any claims paid, will be refunded less an
administrative fee of ten (10%) percent of the Contract Purchase Price.
MARYLAND SPECIAL STATE REQUIREMENTS:
Should this Contract expire while repairs covered under this Contract are in process, the term of this Contract will be automatically extended to the date that the Vehicle is released from
the Repair Facility. Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after receipt if the Contract is mailed to You or delivery if the
Contract is delivered at the time of sale and a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. Any refund for a voided
Contract will be paid within forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty per month of the Contract Purchase Price paid for this
Contract. The right to void this Contract is not transferrable and applies only to the original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during
this time period, You may cancel this Contract and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the
number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal
Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less an administrative fee of fifty dollars ($50) and the total amount of all claims paid.
MASSACHUSETTS SPECIAL STATE REQUIREMENTS:
Chapter 90, Section 7N1/4 of the General Laws of Massachusetts requires an automobile dealer to provide a warranty covering certain classes of used motor Vehicles, as follows: for Used
Vehicles with less than forty thousand (40,000) miles at time of sale, warranty coverage must be provided for ninety (90) days or three thousand seven hundred and fifty (3,750) miles,
whichever occurs first; for used Vehicles with forty thousand (40,000) miles or more but less than eighty thousand (80,000) miles at the time of sale, warranty coverage must be provided for
sixty (60) days or two thousand five hundred (2,500) miles, whichever occurs first; for used Vehicles with eighty thousand (80,000) miles or more, but less than one hundred and twenty-five
thousand (125,000) miles at the time of sale, warranty coverage must be provided for thirty (30) days or twelve hundred and fifty (1,250) miles, whichever occurs first. This law may cover the
Vehicle You have purchased. If so, the following is added to this Contract: In addition to the dealer warranty required by this law, You have elected to purchase this Contract, which may
provide You with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. You have been charged separately only for this
Contract. The required dealer warranty is provided free of charge. Furthermore, the Definitions, Coverage, and Exclusions in this Contract apply only to this Contract and are not the
terms of the required dealer warranty. In Massachusetts the entity obligated to perform under this Contract is the Selling Dealer. Section III.H. Cancellations is amended as follows: If You
cancel this Contract within twenty (20) days after We mail it to You or within ten (10) days of delivery if the Contract is delivered at the time of sale, and a claim has not been made
hereunder, the Contract is void and We will refund the entire Contract Purchase Price. Any refund for a voided Contract will be paid within forty-five (45) days of receiving notice of
Cancellation from You or a ten percent (10%) penalty per month will be added to the refund. The right to void this Contract is not transferrable and applies only to the original Contract
Holder if no claim has been made prior to its return to Us. If We cancel this Contract, We will mail to You a written notice of Cancellation at Your last known address as reflected in Our files
stating the effective date and reason for Cancellation at least five (5) days prior to the effective date of Cancellation, unless Cancellation is for nonpayment, material misrepresentation, or
a substantial breach of Your duties under this Contract.
MICHIGAN SPECIAL STATE REQUIREMENTS:
In Michigan the entity obligated to perform under this Contract is the Selling Dealer. Section III.H. Cancellations is amended as follows: If We cancel this Contract, We will mail to You, at
least 30 days before the effective date of Cancellation, a written notice of Cancellation that states the effective date of Cancellation and the reason for Cancellation. We may only cancel
this Contract for nonpayment, material misrepresentation, fraud, or substantial breach of Your duties under this Contract.
MINNESOTA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days of delivery if the Contract is delivered at the
time of sale and a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. Any refund for a voided Contract will be paid within forty-
five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty per month will be added to the refund. The right to void this Contract is not transferrable and
applies only to the original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will refund
the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in
thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time
of Cancellation, less an administrative fee of fifty dollars ($50) and the total amount of all claims paid. If We cancel this Contract, We will mail to You a written notice of Cancellation at
Your last known address as reflected in Our files stating the effective date and reason for Cancellation at least fifteen (15) days prior to the effective date of Cancellation, five (5) days if
Cancellation is for nonpayment, material misrepresentation, or a substantial breach of Your duties under this Contract. Section IX.B. Alternative Dispute Resolution is amended as follows:
This Contract is deemed to have been made in Minnesota for purposes of Alternative Dispute Resolution, including Arbitration.
MISSISSIPPI SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days after the date this Contract was delivered to
You at the time of purchase, and a claim has not been made hereunder, the Contract is void and We will refund the entire Purchase Price. Any refund for a voided Contract will be paid
within forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty per month will be added to the refund. The right to void this Contract is not transferable
and applies only to the original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will
refund one hundred percent (100%) of the unearned pro rata Purchase Price, less the amount of any claims paid, and less a reasonable administrative fee not to exceed ten percent (10%)
of the gross Purchase Price. We may only cancel this Contract for nonpayment of the Purchase Price, a material misrepresentation by You to Us, or a substantial breach of duties by You
relating to the covered Vehicle or its use. If We cancel, the administrative fee charged will not exceed ten percent (10%) of the gross Purchase Price paid by You. If We cancel this Contract
for failure to pay the Purchase Price, We will mail a written notice of Cancellation to You at Your last known address as reflected in Our files at least ten (10) days prior to the effective date
of Cancellation. If We cancel this Contract for any other reason, We will mail a written notice of Cancellation to You at Your last known address as reflected in Our files at least thirty days
prior to the effective date of Cancellation. Section IX.B. Alternative Dispute Resolution is deleted in its entirety.
MISSOURI SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or the date You purchased the Contract if the Contract was
delivered to You at the time of sale and a claim has not been made hereunder, the Contract is void and We will refund the entire Contract Purchase Price. If a claim has been made
hereunder during this time period, We will refund the entire Contract purchase price less any claims that have been paid. Any Cancellation refund for a voided Contract will be paid within
forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty of the amount outstanding per month will be added to the refund. The right to void this
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 13 of 15 VSC-01D-EDS_06/22
Contract is not transferrable and applies only to the original Contract Holder. Subsequent to this time period You may cancel this Contract and We will refund the unearned Contract
Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or
portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less
an administrative fee of fifty dollars ($50) and the total amount of all claims paid. If this Contract is canceled for any reason outside of the time period during which the Contract can be
voided, We will mail to You a written notice of Cancellation within forty-five (45) days of the date of Cancellation.
MONTANA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If We cancel this Contract We will mail to You a written notice of Cancellation at Your last known address as reflected in Our files at
least five (5) days prior to the effective date of Cancellation stating the effective date and reason for Cancellation unless We are cancelling the Contract for nonpayment, material
misrepresentation, or substantial breach of Your duties hereunder in which case We will not provide You with prior notice of Cancellation.
NEBRASKA SPECIAL STATE REQUIREMENTS:
Section IX.B. Alternative Dispute Resolution is amended as follows: Alternative Dispute Resolution, including Arbitration, shall only be required upon mutual agreement by Us and You.
NEVADA SPECIAL STATE REQUIREMENTS:
If You are not satisfied with the manner in which We handle Your claim(s), You may contact the Commissioner by use of the toll-free number of the Division, (888) 872-3234. Section VIII.Q
Exclusions – What is Not Covered is amended to add the following: However, if Your Vehicle is modified or repaired in an unauthorized or non-manufacturer-recommended manner, We will
not automatically suspend all coverage. Rather, this Contract will continue to provide any applicable coverage that is not related to the unauthorized or non-manufacturer-recommended
modification or any damages arising therefrom, unless such coverage is otherwise excluded by the terms of this Contract. Section III.H. Cancellations is amended as follows: If no claim has
been made under this Contract, You may return this Contract within twenty (20) days of the date the Contract was mailed to You, or within ten (10) days of delivery if the Contract was
delivered to You at the time of sale. In such a case, this Contract is void and We will refund the full amount of the Contract purchase price. Any Cancellation refund for a voided Contract
will be paid within forty-five (45) days of receiving notice of Cancellation from You or a ten percent (10%) penalty of the Contract Purchase Price for each thirty (30) day period, or portion
thereof, will be added to the refund and any accrued penalties that remain unpaid. This right to void the Contract is not transferable and applies only to the original Contract Holder. Subsequent
to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will refund the unearned Contract Purchase Price calculated on a
pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was
driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less a reasonable Cancellation fee not
to exceed twenty-five ($25) dollars and We will not deduct claims paid. If We cancel this Contract for any reason, We will mail You written notice of Cancellation at Your last known address
as reflected in Our files at least fifteen (15) days prior to Cancellation. After this Contract has been in effect for seventy (70) days, We will not cancel this Contract, except for the following
reasons, before the Expiration Date or Mileage of this Contract or one (1) year after the effective date of this Contract, whichever occurs first: (a) Failure by You to pay an amount when due;
(b) Your conviction for a crime which results in an increase in the service required under this Contract; (c) Discovery of fraud or material misrepresentation by You in obtaining this Contract,
or in presenting a claim under this Contract; (d) Discovery of: (1) An act or omission by You; or (2) A violation by You of any condition of this Contract, which occurred after the effective date
of this Contract and which substantially and materially increases the service required under this Contract; or (e) A material change in the nature or extent of the required service or repair
which occurs after the effective date of this Contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time this
Contract was issued or sold. If We cancel the Contract for any of the above reasons, We will refund the unearned portion of the purchase price. We will deduct any outstanding balance on
Your account from the amount of the Contract purchase price that is unearned by Us when calculating the refund amount. We will not impose a Cancellation fee for such Cancellation, and
We will not deduct claims paid from such refunds. Section III.I. Contract Holder’s Transfer Conditions is amended as follows: The transfer fee shall not exceed twenty-five dollars ($25).
NEW HAMPSHIRE SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If this Contract is cancelled by You within thirty (30) days of purchase and no claim has been filed, the entire Contract Purchase Price
paid will be refunded. If You have incurred a claim within the first thirty (30) days or if You cancel this Contract after the first thirty (30) days, the unearned Contract Purchase Price paid will
be refunded, calculated on a pro-rata basis. The refund will be equal to the lesser amount produced using either the number of months this Contract was in force or the number of miles, in
thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of
Cancellation, less an administrative fee not to exceed ten percent (10%) of the purchase price of this Contract or fifty dollars ($50), whichever is less, and the total amount of all claims paid.
If We cancel this Contract for any reason other than non-payment or a violation of Your Responsibilities, You will receive a pro-rata refund of the unearned Contract Purchase Price
calculated as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was
driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less an administrative fee not to exceed
ten percent (10%) of the purchase price of this Contract or fifty dollars ($50), whichever is less, and the total amount of all claims paid. Section IX.B. Alternative Dispute Resolution is
amended as follows: Any civil action or any alternative dispute resolution procedure brought in connection with this Contract shall be brought in the courts of New Hampshire. In the event
You do not receive satisfaction under this Contract, You may contact the New Hampshire Insurance Department, 211 South Fruit Street, Suite 14, Concord, NH 03301, 800-852-3416.
NEW JERSEY SPECIAL STATE REQUIREMENTS:
In New Jersey the entity obligated to perform under this Contract is the Selling Dealer. Section III.H. Cancellations is amended as follows: You may void this Contract by returning the
Contract to Us or the seller for a full refund of the Contract Purchase Price within twenty (20) days of Us mailing this Contract to You, or within ten (10) days of purchase if the Contract is
delivered at the time of sale, provided there has been no claim filed hereunder. Any Cancellation refund for a voided Contract will be paid within forty-five (45) days of receiving notice of
Cancellation from You or a ten percent (10%) penalty per month, based upon the Contract Purchase Price, will be added to the refund. If We cancel this Contract for a reason other than
nonpayment, material misrepresentation by You, or substantial breach of Your duties hereunder We will provide You with a written notice at Your last known address as reflected in Our files
stating the effective date of and reason for Cancellation at least five (5) days prior to Cancellation.
NEW MEXICO SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: You may void this Contract by returning the Contract to Us or the seller for a full refund of the Contract Purchase Price within twenty
(20) days of Us mailing this Contract to You, or within ten (10) days of purchase if the Contract is delivered at the time of sale, provided there has been no claim filed hereunder. A ten
percent (10%) penalty of the Contract Purchase Price for each thirty (30) day period or portion thereof shall be added to a refund due for a voided Contract that is not made within sixty (60)
days of return of the Contract by You. The right to return a voided Contract is not transferable and only applies to the original Contract Holder. Subsequent to this time period, or if a claim
has been made hereunder during this time period, You may cancel this Contract and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser
amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to
Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less a reasonable administrative fee not to exceed ten
percent (10%) of the Contract Purchase Price and the total amount of all claims paid. We may not cancel this Contract unless We mail to You at Your last known address as reflected in
Our files a notice of Cancellation at least fifteen (15) days prior to the effective date of Cancellation. If this Contract has been in effect for at least seventy (70) days, We may not cancel the
Contract before its Expiration Date or Mileage or one (1) year after the effective date, whichever comes first, except for the following reasons: (1) nonpayment of the purchase price; (2)
conviction of a crime by You that results in an increase in the services required under this Contract; (3) discovery of fraud or material misrepresentation by You in obtaining this Contract or
presenting a claim hereunder; or (4) discovery of: (a) an act or omission by You; or (b) a violation of this Contract by You, which occurred after the effective date of this Contract and which
substantially and materially increases the service required under this Contract. If We cancel this Contract, We will not deduct an administrative fee. This service contract is insured by
Wesco Insurance Company. If the service contract provider fails to pay you or otherwise provide you with the covered service within 60 days of your submission of a valid claim, you may
submit your claim to Wesco Insurance Company at 866-505-4048 and 59 Maiden Lane, 43rd Floor, New York, NY 10038. I you have any concerns regarding the handling of your claim, you
may contact the Office of Superintendent of Insurance at 1-855-427-5674.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 14 of 15 VSC-01D-EDS_06/22
NEW YORK SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days of delivery if the Contract is delivered at the
time of sale and a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. A ten percent (10%) penalty per month shall be added to
a refund due for a voided Contract that is not made within thirty (30) days of return of the Contract by You. The right to void this Contract is not transferrable and applies only to the original
Contract Holder. Subsequent to this time period, or if a claim has been made during this time period, You may cancel this Contract and We will refund the unearned Contract purchase
price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion
thereof, Your Vehicle was driven prior to Cancellation, less any claims paid and an administrative fee of fifty dollars ($50). If We cancel this Contract, We will mail to You a written notice of
Cancellation at Your last known address as reflected in Our files at least fifteen (15) days prior to the effective date of Cancellation stating the effective date and reason for Cancellation
unless We are cancelling the Contract for nonpayment, material misrepresentation, or substantial breach of Your duties hereunder in which case We will not provide You with prior notice of
Cancellation.
NORTH CAROLINA SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: You may cancel this Contract at any time after purchase and We will pay a pro rata refund of the Contract purchase price equal to the
lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to
Cancellation, less claims paid and an administrative fee of ten percent (10%) of the refund amount.
OKLAHOMA SPECIAL STATE REQUIREMENTS:
This is not an insurance contract. Coverage afforded under this Contract is not guaranteed by the Oklahoma Insurance Guaranty Association. Section III.H. Cancellations is amended as
follows: In the event You cancel this Contract We will pay a pro rata refund based upon ninety percent (90%) of the unearned pro rata premium less the actual cost of any service provided
under this Contract. In the event We cancel this Contract We will pay a refund based upon one hundred percent (100%) of the unearned pro rata premium less the actual cost of any service
provided under this Contract. Our Oklahoma License Number is 44201382.
OREGON SPECIAL STATE REQUIREMENTS:
Section IX.B. Legal Claims and Disputes: Alternative Dispute Resolution is deleted in its entirety.
SOUTH CAROLINA SPECIAL STATE REQUIREMENTS:
In the event of a dispute with Us, You may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Suite 1000, Columbia, SC 29201, 800-768-3467. Section
III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days of delivery if the Contract is delivered at the time of
sale and a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. A ten percent (10%) penalty per month shall be added to a
refund due for a voided Contract that is not made within forty-five (45) days of return of the Contract by You. The right to void this Contract is not transferrable and applies only to the
original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will refund the unearned
Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of
miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of
Cancellation, less an administrative fee of fifty dollars ($50) and the total amount of all claims paid. If We cancel this Contract, We will mail to You a written notice of Cancellation at Your
last known address as reflected in Our files at least fifteen (15) days prior to the effective date of Cancellation stating the effective date and reason for Cancellation unless We are
cancelling the Contract for nonpayment, material misrepresentation, or substantial breach of Your duties hereunder in which case We will not provide You with prior notice of Cancellation.
TEXAS SPECIAL STATE REQUIREMENTS:
Questions and unresolved complaints concerning providers and administrators may be addressed to the Texas Department of Licensing and Regulation, PO Box 12157, Austin, TX, 78711,
512-463-6599 or 800-803-9202. Texas Administrator Registration Number: 70354144. Section III.K. Guarantee is amended as follows: If a refund or credit is not paid within forty-five (45)
days after the date this Contract is cancelled You may file a claim directly with the Insurance Company. Section III.H. Cancellations is amended as follows: If You cancel this Contract
before the thirty-first (31) day after the date of purchase We will refund the entire Contract Purchase Price less any claims paid hereunder. Subsequent to this time period, You may cancel
this Contract and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was
in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized
affidavit verifying mileage at the time of Cancellation, less any claims paid and a Cancellation fee of fifty dollars ($50). The right to cancel this Contract is not transferrable and applies only
to the original Contract Holder. If We cancel this Contract We will mail to You a written notice of Cancellation at Your last known address as reflected in Our files at least five (5) days prior
to the effective date of Cancellation stating the effective date and reason for Cancellation unless We are cancelling the Contract for nonpayment, fraud or material misrepresentation by
You, or substantial breach of Your duties hereunder in which case We will not provide You with prior notice of Cancellation. If We cancel this Contract, We will refund the unearned
Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of
miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of
Cancellation, less any claims paid. A ten percent (10%) penalty per month of any refund amount outstanding shall be added to a refund that is not made before the forty-sixth (46) day of
receipt of notice of Cancellation by Us.
UTAH SPECIAL STATE REQUIREMENTS:
This Contract is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Contract is not
guaranteed by the Property and Casualty Guaranty Association. Section III.H. Cancellations is amended as follows: We may not cancel this Contract prior to the earlier of the Expiration
Date or Mileage or one year from the Effective Date or Mileage unless We are cancelling the Contract for one of the following reasons: nonpayment of premium; material
misrepresentation; substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Contract; or substantial
breaches of Your duties hereunder. If We cancel this Contract, We will mail to You a written notice of Cancellation at Your last known address as reflected in Our files at least thirty (30)
days prior to the effective date of Cancellation stating the effective date and reason for Cancellation unless We are cancelling the Contract for nonpayment in which case, We will mail such
notice at least ten (10) days prior to the effective date of Cancellation. If the reason for Cancellation is not provided in the notice, We will send by first class mail or deliver that information
within ten (10) working days after receipt of a written request by You. Section V. Filing A Breakdown Claim, paragraphs (7) and (8), are amended as follows: Failure to provide repair orders
and documentation to the Administrator within thirty (30) days will not result in a claim being denied hereunder unless such failure has prejudiced Us. Section IX, B. is amended as follows:
ANY MATTER IN DISPUTE BETWEEN YOU AND THE COMPANY MAY BE SUBJECT TO ARBITRATION AS AN ALTERNATIVE TO COURT ACTION PURSUANT TO THE RULES OF
(THE AMERICAN ARBITRATION ASSOCIATION OR OTHER RECOGNIZED ARBITRATOR), A COPY OF WHICH IS AVAILABLE ON REQUEST FROM THE COMPANY. ANY
DECISION REACHED BY ARBITRATION SHALL BE BINDING UPON BOTH YOU AND THE COMPANY. THE ARBITRATION AWARD MAY INCLUDE ATTORNEY'S FEES IF
ALLOWED BY STATE LAW AND MAY BE ENTERED AS A JUDGEMENT IN ANY COURT OF PROPER JURISDICTION.
VERMONT SPECIAL STATE REQUIREMENTS:
Any civil action brought in connection with this Contract must be brought in the courts of Vermont. Section III.H. Cancellations is amended as follows: The original Contract Holder may
return this Contract within twenty (20) days of receipt of the Contract and, if no claim has been made hereunder, We will make a refund of the full purchase price of the Contract.
Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will refund the unearned Contract Purchase Price
calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or portion thereof,
Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less an administrative
fee of fifty dollars ($50) and the total amount of all claims paid.
NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION
CLAIMS: 1-877-414-0134
Page 15 of 15 VSC-01D-EDS_06/22
VIRGINIA SPECIAL STATE REQUIREMENTS:
If any promise made in the Contract has been denied or has not been honored within sixty (60) days after Your request, You may contact the Virginia Department of Agriculture and
Consumer Services, Office of Charitable and Regulatory Programs at www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml to file a complaint.
WISCONSIN SPECIAL STATE REQUIREMENTS:
THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Notice of loss, and all repair documentation should be
forwarded to Us as soon as reasonably possible but may be filed up to one (1) year from the date of loss. Section III.K. Guarantee is amended as follows: In the event that We become
insolvent or otherwise financially impaired, You may file a claim directly with the Insurance Company for reimbursement, payment, or provision of a service hereunder. Section III.H.
Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days of delivery if the Contract is delivered at the time of sale and
a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. A ten percent (10%) penalty of the refund amount per month shall be
added to a refund due for a voided Contract that is not made within forty-five (45) days of return of the Contract by You. The right to void this Contract is not transferrable and applies only
to the original Contract Holder. Subsequent to this time period, or if a claim has been made during this time period, You may cancel this Contract and We will refund the unearned Contract
Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of miles or
portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of Cancellation, less
any claims paid and an administrative fee of ten percent (10%) of the Contract Purchase Price. In the event that the Vehicle is subject to a total loss that is not covered by a replacement
pursuant to the terms of this Contract, You are entitled to cancel this Contract and We will refund the unearned Contract Purchase Price calculated on a pro-rata basis as described above
but will not deduct any administrative fee. We may cancel this Contract only for the following reasons: nonpayment; material misrepresentation by You to Us; or substantial breach of Your
duties hereunder. If We cancel this Contract, We will refund the unearned Contract purchase price calculated on a pro-rata basis as the lesser amount produced using either the number of
months this Contract was in force or the number of miles, in thousands of miles or portion thereof, Your Vehicle was driven prior to Cancellation, less an administrative fee of ten percent
(10%) of the Contract Purchase Price. If We cancel this Contract, We will mail to You a written notice of Cancellation at Your last known address as reflected in Our files at least five (5)
days prior to the effective date of Cancellation stating the effective date and reason for Cancellation. ARBITRATION: Mandatory arbitration is not permitted. Both parties must agree to
participate. If one party disagrees to participate, this arbitration provision becomes null and void.
WYOMING SPECIAL STATE REQUIREMENTS:
Section III.H. Cancellations is amended as follows: If You cancel this Contract within twenty (20) days after We mail it to You or ten (10) days of delivery if the Contract is delivered at the
time of sale and a claim has not been made hereunder the Contract is void and We will refund the entire Contract Purchase Price. A ten percent (10%) penalty per month shall be added to
a refund due for a voided Contract that is not made within forty-five (45) days of return of the Contract by You. The right to void this Contract is not transferrable and applies only to the
original Contract Holder. Subsequent to this time period, or if a claim has been made hereunder during this time period, You may cancel this Contract and We will refund the unearned
Contract Purchase Price calculated on a pro-rata basis as the lesser amount produced using either the number of months this Contract was in force or the number of miles, in thousands of
miles or portion thereof, Your Vehicle was driven prior to Cancellation, provided We receive a Federal Odometer Statement or notarized affidavit verifying mileage at the time of
Cancellation, less an administrative fee of fifty dollars ($50) and the total amount of all claims paid. If We cancel this Contract We will mail to You a written notice of Cancellation at Your
last known address as reflected in Our files at least ten (10) days prior to the effective date of Cancellation stating the effective date and reason for Cancellation unless We are cancelling
the Contract for nonpayment, material misrepresentation by You, or substantial breach of Your duties hereunder in which case We will not provide You with prior notice of Cancellation.
This Contract is governed by the laws of the State of Wyoming and any alternate dispute resolution proceeding shall be conducted in the State of Wyoming.
XI. ENDURANCE DEALER SERVICES, LLC PRIVACY POLICY
The Gramm-Leach Bliley (GLB) Act and other state and federal laws, rules and/or regulations deal in part with how financial institutions treat nonpublic financial and personal information
(“Information”). Endurance Dealer Services, LLC is committed to maintaining the trust of Our customers. We maintain that trust by keeping Information about Our customers in a secure
environment and using that Information in conformance with all applicable state and federal laws, rules and/or regulations and this policy. This policy outlines the types of Information
Endurance Dealer Services, LLC may collect and the kinds of companies with whom We may share such information. These examples are illustrative only. In addition, You may have other
privacy protection under state and federal laws, rules and/or regulations. Endurance Dealer Services, LLC will comply with applicable state and federal laws, rules and/or regulations
regarding Information about You. Endurance Dealer Services, LLC reserves the right to modify or supplement this policy at any time. If We make any changes, We will provide current
customers with a revised notice.
INFORMATION ENDURANCE DEALER SERVICES, LLC MAY COLLECT:
• Information Endurance Dealer Services, LLC receives from You, or is provided to Us on Your behalf, on applications and other forms, such as Your name, address, telephone number,
lender’s name, finance agreement term and Vehicle information.
• Information about Your transactions with Endurance Dealer Services, LLC, Our affiliates, or others.
• Information will be provided as Endurance Dealer Services, LLC deems appropriate to determine eligibility, to process claims, as authorized by You, or as otherwise permitted or required
by law.
INFORMATION ENDURANCE DEALER SERVICES, LLC MAY DISCLOSE, TO WHOM WE MAY DISCLOSE, DISCLOSURES PERMITTED BY LAW, AND
DISCLOSURES FOR JOINT MARKETING AND SERVICING.
• Endurance Dealer Services, LLC restricts access to Your Information to authorized individuals who need to know this Information to provide service and products to You, or to administer
Your account.
• Endurance Dealer Services, LLC uses physical, electronic and procedural security measures designed to protect Our customer Information. We also train Our employees about the
meaning and requirements of this Endurance Dealer Services, LLC Privacy Policy for information security and confidentiality.
• Endurance Dealer Services, LLC does not disclose Information about current customers or any former customers to anyone, except as permitted by law.
• To the extent permitted under state and federal laws, rules and/or regulations Endurance Dealer Services, LLC may share Information with Our affiliates and other affiliated service
providers.
• To the extent permitted under state and federal laws, rules and/or regulations Endurance Dealer Services, LLC may share Information with companies that perform marketing services for
Endurance Dealer Services, LLC, or other institutions that have joint marketing agreements with Endurance Dealer Services, LLC, such as the dealer where You purchased the Vehicle
and applied for the Endurance Dealer Services, LLC Vehicle Service Contract.
You do not need to do anything as a result of this notice. It is meant to inform You of how Endurance Dealer Services LLC collects, shares, and safeguards Your Information, and is not a
part of the Contract.
