Every term, in plain language.

Precision Auto's approval of a covered repair before the shop proceeds. The shop diagnoses the issue, calls us, and we authorize the covered work.

The period after purchase when cancellation and refund terms are most favorable. The exact window and refund method are written in your contract.

The share of submitted claims that are paid. An honest metric of an insurer's willingness to pay - Precision Auto will publish this audited once real data exists.

A specific part of your vehicle listed as covered under your chosen plan. What's covered depends on your tier - Powertrain, Preferred, or Comprehensive.

The amount you pay per covered repair visit. The shop bills Precision Auto for the covered repair; you pay only your deductible directly to the shop.

Precision Auto pays the repair shop directly for covered repairs. You don't front the bill and wait for reimbursement - you pay only your deductible.

Axles, drive shafts, differentials, and CV joints that transfer power from the transmission to the wheels.

A component or situation explicitly NOT covered by your contract. Precision Auto publishes exclusions up front - wear items, cosmetic damage, pre-existing failures, routine maintenance, and non-breakdown damage.

Engine components that operate inside the oil-lubrication system - typically covered under powertrain plans.

Any repair shop holding a valid state license to perform automotive repairs. Precision Auto lets you use any licensed shop in the country - your own mechanic included.

A warranty included free with a new vehicle from the manufacturer, covering defects in materials or workmanship for a set period (e.g., 3 years / 36,000 miles). A VSC is separate from and supplements this after it ends.

In California, vehicle service contracts are regulated as Mechanical Breakdown Insurance - a form of insurance overseen by the state's Department of Insurance, with consumer protections specific to insurance products.

The components that generate and deliver power to the wheels: engine, transmission, drivetrain. The base tier of Precision Auto coverage.

A breakdown or failing condition that existed before your coverage started. Not covered - the waiting period helps confirm this.

A refund calculated based on the unused portion of your coverage, after the money-back window closes. Spelled out in your contract.

A specimen version of the full contract, published for you to read before buying. Every section summarized in plain language - no buried clauses.

Consent under the Telephone Consumer Protection Act to be contacted by phone. Consent isn't required to buy - you can get a quote and estimate without it.

The ability to transfer your coverage to a new owner when you sell the vehicle - can help resale value. Terms are in your contract.

A contract you purchase that pays for covered mechanical breakdowns after your factory warranty ends. Not insurance and not a manufacturer warranty. Sometimes called an 'extended warranty,' but legally distinct.

A short window after purchase before claims can be filed (e.g., 30 days / 1,000 miles). Prevents pre-existing failures from being claimed and keeps prices honest.

Parts that degrade with normal use and require routine replacement - brake pads, tires, wiper blades, belts, hoses. Not covered by a VSC.