What is a Vehicle Service Contract?

A vehicle service contract is an optional protection plan that may pay for certain covered repairs after the factory warranty. It is not a manufacturer warranty. Terms vary by provider and state.

What does a VSC typically cover?

Depending on tier, coverage may include powertrain (engine, transmission, drive axle) and—on higher tiers—electrical, A/C, steering, suspension, fuel, cooling, and some electronics. See your contract for exact parts and exclusions.

Where can I take my car for repairs?

Most plans allow repairs at licensed facilities; some require ASE‑certified shops and pre‑authorization. Administrators typically pay the shop directly for approved repairs; you pay your deductible.

Is a VSC the same as a warranty?

No. A VSC is a service contract between you and a provider/administrator, not a manufacturer warranty. It is optional and regulated differently.

Can I cancel or transfer a VSC?

Many plans are cancelable and transferable for a fee within specified periods. Refunds are typically pro‑rated. Terms vary by provider and state.

FMYCAR — Vehicle Service Contracts (VSC‑3 Premium)

Coverage Beyond Warranty — Powertrain to Platinum, Nationwide. Transparent. Easy.

A Vehicle Service Contract (VSC) may pay for covered repairs after your factory warranty. We compare providers, explain the fine print, and match a plan to your mileage and driving habits.

Roadside & rental* $0–$200 deductibles* Repair shop choice*

What’s Covered

*Benefits vary by plan/provider and state. See contract for terms.

How Claims Typically Work

1

Diagnosis

Visit a licensed shop (often ASE). Authorize diagnostics only.

2

Pre‑Authorization

Shop calls plan administrator before repairs begin.

3

Direct Pay

Approved costs are paid to the shop; you cover your deductible & non‑covered items.

Why Choose FMYCAR for VSC?

Plan Matching

We’ll match coverage to your VIN, mileage, and budget.

Coverage Clarity

We walk you through inclusions, exclusions, and claim steps so you know exactly what’s covered.

Nationwide Network

Use licensed facilities; many plans include roadside & rentals.*

*Availability varies by plan/provider and state.

What a VSC May Cover

Engine

Internal lubricated parts; seals/gaskets per contract.

Transmission/Transaxle

Manual & automatic; transfer case on AWD/4×4.

Drive Axle

Differentials, CV joints, bearings, shafts.

Electrical

Alternator, starter, window motors, harnesses.

A/C & Heating

Compressor, condenser, blower, actuators.

Cooling/Fuel

Water pump, radiator, fuel pump, injectors.

Steering

Rack & pinion, power steering pump, lines.

Suspension

Control arms, bushings, strut mounts (per contract).

Braking Systems

ABS module, master cylinder (friction excluded).

High‑Tech Modules*

Infotainment, sensors, ADAS (higher tiers).

Hybrid/EV*

Inverters, e‑drive units (availability varies).

Roadside/Rental*

Towing, rental car, trip interruption.

Common Exclusions

Wear items & maintenance (pads, tires, fluids, filters)
Pre‑existing conditions & unauthorized modifications
Neglect, racing, undisclosed commercial use
Cosmetic/trim, glass, paint, upholstery
Collision/environmental damage

VSC vs. Warranty

Factory warranties come from the automaker. A VSC is an optional service contract from a third‑party provider or dealer. It can extend or enhance protection once factory coverage ends.

*Benefits and availability vary by plan/provider and state. Read your contract for specifics.

Choose a Coverage Tier

Good

Powertrain

Core components for budget protection.

Engine • Transmission • Drive axle
Seals & gaskets (per contract)
Roadside/rental optional

Deductible: $0–$200

Better

Gold

Adds major systems beyond powertrain.

Electrical • A/C/Heating • Steering
Suspension • Cooling/Fuel
Roadside • Rental • Trip interruption*

Platinum (Exclusionary)

Closest to bumper‑to‑bumper—named exclusions only.

Most mechanical & electrical components
High‑tech/ADAS modules (per contract)
Roadside • Rental • Trip interruption*

$0–$200 deductible

*Benefit availability and limits vary by plan/provider.

Protection Without the Pressure

“Claim was pre‑authorized the same day and the shop was paid directly.”

— Alicia R., Tampa FL

“Clear about exclusions and deductibles—no surprises when we needed it.”

— Devon L., Denver CO

“They matched a plan to my commute and mileage. Worth it for the peace of mind.”

— Priya S., Austin TX

Ready to Get a Tailored VSC Quote?

Open the concierge panel and tell us about your vehicle. We’ll line up options.

Frequently Asked Questions

Who is the VSC provider?

We partner with reputable third‑party administrators and dealers. FMYCAR is a concierge—not the obligor or administrator. Your contract lists the provider.

When am I eligible?

Eligibility depends on year, make, model, mileage, and state. Some plans require inspections or waiting periods.

Is maintenance required?

Yes—follow factory maintenance and keep records. Lack of maintenance can affect claims.

Can I pick any repair shop?

Most plans allow licensed facilities nationwide; many require ASE certification and pre‑authorization.

What about EVs and hybrids?

Availability for high‑voltage components varies and is often limited to higher tiers. We’ll check by VIN.