Frequently Asked Questions

American Auto Repair Coverage is a provider of Vehicle Protection Plans and is not affiliated with any automotive manufacturers. The Vehicle Protection Plans offered by AARC are commonly referred to as vehicle service contracts. They are not vehicle manufacturer’s warranties.

The following is information about some vehicle warranty programs. This content is provided solely for the purpose of providing general information with respect to typical warranty programs by the originating automotive manufacturers; it provides general information that may not be specific to your individual car warranty and is not representational of the Vehicle Protection Plans offered by AARC. View our glossary of auto warranty terms.

Auto Repair Coverage FAQs

  1. What is a Vehicle Protection Plan (VPP)?
    Think of it as a health insurance plan on your vehicle. It protects your budget from the expensive bills service stations charges for mechanical and electrical break downs. The plan will pay for the cost of repairs, parts, labor and sales tax for any covered repairs. A vehicle protection plan works a lot like the warranty you get from the manufacturer when the car is brand new. The plans offered by AARC also include benefits such as emergency roadside assistance, towing, trip interruption, tire hazard and rental car while your vehicle is in the shop.
  2. Where can I take my vehicle for repairs?
    We recommend that you bring your vehicle to your respective dealership however, in the event that you prefer an independent shop, our coverage plans our honored at any ASE certified facility. So you can have your vehicle fixed almost anywhere.
  3. How are repairs paid for?
    Claims are paid directly to the repair facility via corporate credit card. Payment is upfront and in full. The only amount a customer is asked to provide for a repair is the agreed upon deductible and it is paid only after the repairs have been completed.
  4. Why do I need a VPP?
    Can you afford to be without your vehicle? Do you have the money to pay for repairs in full out of your own pocket? Vehicle protection plans are designed to protect your budget from costly repair bills. With new advances in automobile technology it is becoming more and more costly to work on vehicles. With today’s cars trucks SUV’s and vans being predominantly electronic and computer dependent the common driver is no longer able to work on their own vehicle. The cost of labor and parts for repairs are higher than they have ever been before. With a vehicle protection plan from American Auto Repair Coverage you can keep your vehicle in good running condition longer without worry about the next break down.
  5. What happens if I sell my vehicle?
    Lots of people prefer to keep their car as long as they can in order to stretch their original investment in it as far as it can go. However, if you decide to sell or trade your vehicle, you have two options. You can transfer the policy to the new owner of the vehicle. This will raise the resell value and bring you more money. You can also cancel the policy and receive a pro-rated refund for the unused portion of the coverage. These refunds are typically used to purchase a protection plan for the next car the customer buys.
  6. I have auto insurance, why do I need a VPP?
    Auto Insurance is completely different from a vehicle protection plan. Our coverage will protect you from surprise mechanical and electrical repair bills, which would not be covered under your auto insurance. Auto insurance is covers for accidents and cosmetic issues.
  7. How do I figure out which VPP is right for me?
    AARC has multiple levels of protection available to accommodate most vehicles. The year, make, model and mileage all play a role in the level of coverage a vehicle is eligible for. Please call 1-855-897-AARC (2272) to speak with an AARC representative and see what plan fits your needs.
  8. How does the claims process work?
    When your vehicle breaks down, the claims process starts immediately. Call the Concierge Claims Service, they will arrange a rental car and help schedule your repairs. The claims are paid directly to the dealership or ASE certified facility of your choice via credit card. You are only responsible for the deductible after your repairs are completed.
  9. How do I know what is covered?
    All AARC Vehicle Protection Plans outline the coverage in great detail. If you have any additional questions on your coverage, you can call customer service at 1-855-897-AARC (2272) or go to our “Coverage Plans” page and review all of the plans.
  10. Can I have more than one vehicle covered under the same plan?
    No. All plans are specific to the year, make, model, mileage and VIN. AARC does offer discounts for customers that choose to protect multiple vehicles.

Auto Warranty Facts & Information:

  1. What is a car warranty?
    A manufacturer’s warranty is coverage you receive when purchasing a new vehicle that comes directly from the manufacturer of that vehicle. It is typically built into the price of the car. At the time of purchase, most new vehicles come with a comprehensive three-year /36,000 mile “bumper-to-bumper” auto warranty.


    The bumper-to-bumper car warranty involves specific coverage terms determined by each individual manufacturer. Although the typical domestic manufacturer’s warranty is three years/36,000 miles, many manufacturers change or update their auto warranty programs from year to year. In addition, some components of the vehicle may have longer warranty service coverage periods. Auto warranty programs may also vary from country to country.

  2. What defines an auto warranty?
    A vehicle warranty generally covers major mechanical systems like the engine, transmission, and brake systems. Every vehicle or car warranty has a specific list of covered components (car parts). Most auto warranty programs provide bumper-to-bumper coverage for this specific list of covered components.


    Normal “wear and tear” considerations are sometimes included or excluded. Some car warranty programs offer powertrain coverage only. Under this type of vehicle warranty, the coverage provides repairs and parts in the event of a major mechanical failure alone. More often than not, a vehicle warranty excludes coverage for things like brake pads, spark plugs, and tires which are a part of normal maintenance. A typical auto warranty also excludes components such as windshield wipers, lighting systems, and upholstery.

  3. How does a vehicle warranty work?
    All auto warranty programs are specific to the vehicle manufacture. A typical vehicle warranty is backed by a highly-rated insurance company, allows for repairs to be made at any certified automotive service station, and pays claims in full, up front. Some auto warranty programs also provide roadside assistance, trip interruption insurance and rental car benefits. For terms, coverage and conditions specific to your manufacturer’s auto warranty, please refer to your vehicle owner’s manual.

    Note: It is important to read your auto warranty carefully so that you can understand exactly what is covered. All covered and uncovered components will be outlined carefully.

  4. What else should I know about my car warranty?
    Most auto warranty programs require the vehicle owner to complete all routine maintenance specified by the vehicle owner’s manual. Neglect of the routine maintenance or servicing of a car is a frequent cause for claim denial. It is advisable that all vehicle owners familiarize themselves with the service routine as outlined in the owner’s manual, so that in the event of a mechanical failure there will be no deviation from the terms outlined in the auto warranty agreement. It is also advisable that all vehicle owners keep accurate records and receipts for any work they have completed on their vehicle.

    Regular servicing allows your car to run more efficiently and upholds the terms and conditions of the vehicle warranty. Your service record and receipts will be important documentation in the event that a service call for any components covered under the car warranty program is ever warranted.

  5. What happens after my auto warranty expires?
    Once the manufacturer’s vehicle warranty expires, a third-party vehicle protection plan may be purchased to provide for future repairs of covered components over the course of a specific time period. Typically, a vehicle protection plan is an agreement that provides for repair and/or replacement of covered parts, including labor.

    Note: If your vehicle is currently covered by the manufacturer’s auto warranty, and you would like to purchase an ongoing vehicle protection plan, the best course of action is to time the purchase of the vehicle protection plan so that it matches up with the end date of your current manufacturer’s auto warranty.

Common vehicle warranty terms:

  1. In-Service Date
     The date when you take possession of your car from a dealer. This starts the clock ticking on your manufacturer’s warranty period.
  2. Deductible
     This is the amount the vehicle owner pays for any covered repair under the terms of some auto warranty programs. If a service deductible is $150, and a repair is $650, then the vehicle owner would pay the first $150 and the auto warranty would cover the remaining $500 for the service call. The deductible amount often has an impact on the premium.
  3. Transferability
    Some manufacturer’s auto warranty programs are transferable. While the existence of a transferable vehicle warranty will not directly impact the “blue book” value of a vehicle, some potential buyers may feel more comfortable purchasing a car if the vehicle is still covered by the original car warranty from the manufacturer.

Types of auto warranty programs:

  1. Basic Warranty
    Also known as bumper-to-bumper, the specific terms established by each manufacturer may vary, but the basic car warranty is typically three-years/36,000 miles for domestic vehicles. The basic warranty covers repair to vehicles for a specific time and/or mileage period. Most factory-installed parts and some dealer-installed accessories are covered for defects and workmanship. Items such as tires, spark plugs, filters, wiper blades, and the battery are generally not covered under the basic warranty, although some of these components may have their own product warranties.
  2. Powertrain Warranty
     This is a separate warranty that offers protection beyond the basic warranty. The powertrain warranty is applicable for major components such as the engine, transmission, and drive shafts. In some cases, the powertrain warranty is valid for a greater period of time or mileage than the manufacturer’s basic auto warranty. Some powertrain warranty coverage lasts as long as ten-years/100,000 miles.
  3. Emissions Warranty
    The emissions warranty may offer coverage for the catalytic converter, electronic emissions control unit and any onboard diagnostic device. The length of the emissions warranty may depend on the state where you reside with the vehicle. Please refer to your owner’s manual for specific information on any included emissions warranty.
  4. Corrosion Warranty
    Typically offered in cold climates regions or areas with harsh environmental conditions, the corrosion warranty offers coverage for rust-through perforation on sheet metal for a specified term. Manufacturers usually state that all body sheet metal components are warranted against rust-through corrosion for a number of years or an amount of miles driven, whichever comes first. Please refer to your owner’s manual for specific information on any corrosion warranty in place.