What Happens When You File a VSC Claim?

When your vehicle breaks down, knowing what to expect can make a stressful situation easier. But a Vehicle Service Contract (VSC) claim isn't always an instant approval. Understanding the process—and potential delays—can help you be prepared.

A VSC is designed to help protect you from unexpected covered mechanical and electrical repair costs. When a problem occurs, the first step is determining what failed, why it failed and whether the failed component is covered by your specific contract.

1. Your Vehicle Has a Problem

Problems can range from a transmission that won't shift, an engine that starts making unusual noises, an electrical system failure or a failed sensor. Modern vehicles can also experience problems with turbochargers, cooling systems, suspension components, infotainment systems and other sophisticated electronics.

The first challenge is often diagnosis. A repair facility may need time to determine exactly what caused the problem.

2. The Repair Facility Begins the Claim

Once the vehicle is diagnosed, the repair facility typically contacts the VSC administrator with the vehicle information, diagnosis, recommended repair and estimated cost.

Don't authorize major repairs before the required claim authorization is received. Your contract may require prior approval.

3. Why Can a Claim Be Delayed?

A claim isn't always approved immediately. Delays can occur for several reasons:

• The repair facility hasn't completed its diagnosis.
• Additional diagnostic testing is required.
• The administrator needs maintenance or repair records.
• The failure involves multiple components.
• An inspection is required before authorization.
• Parts availability delays the repair.
• The administrator needs to determine whether the failed component is covered.
• The repair estimate exceeds authorization limits or requires additional approval.
• The vehicle's symptoms don't clearly identify the failed component.

These steps can take time, particularly when a complicated mechanical or electrical failure is involved.

4. What If the Claim Is Approved?

Once the administrator determines that the repair is covered, authorization is provided to the repair facility. The repair can then proceed according to the terms of the contract.

You may still be responsible for your deductible, non-covered components, maintenance items or other charges specifically excluded by your contract.

5. What If the Claim Is Denied?

A claim can be denied when the failed component or repair isn't covered, an exclusion applies, required documentation isn't available, or other contract requirements aren't satisfied. A VSC is a contract, not a guarantee that every repair will be covered.

Be Patient—and Be Prepared

The best way to minimize frustration is to understand your coverage before a breakdown occurs. Keep maintenance records, know your deductible and ask the repair facility what information is still needed if your claim is delayed.

At XpressVSC, our goal is to help consumers understand their protection and what to expect when an unexpected repair occurs.

XpressVSC — Protection From Unexpected Repair Costs.

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