Gold Key Florida Full Coverage Plan mirrors
your manufacturers plan. This is the most comprehensive
coverage in the industry. This plan was designed to
extend your original manufacturer's coverage that your
vehicle came with.
• The Contract Holder hereby authorizes the Participating
Lender to: (1) be listed as joint payee and receive
any refund in the event this service contract is canceled,
or (2) to cancel this service contract in the event
the Contract Holder defaults in his/her obligations
to such lender.
• In order for this service contract to remain
in force, the Contract Holder is required to follow
the vehicle manufacturer’s required maintenance
schedule, including oil and filter changes. Failure
to follow the vehicle manufacturer’s maintenance
guidelines may result in denial of a claim. Some vehicle
manufacturers require that the timing belt be changed
at specific intervals. The Contract Holder must keep
and make available if requested verifiable signed service/purchase
receipts that show that the vehicle manufacturer’s
required maintenance has been performed within the time
and mileage limit requirements. The Contract Holder
and the Repair Facility are required to obtain from
ACSC an authorization number prior to beginning any
repair covered by this service contract.
• The Contract Holder is responsible for paying
a $50 deductible for each visit to a Repair Facility,
unless another deductible option has been purchased.
• The Contract Holder is responsible for authorizing
and paying for any tear down or diagnosis time needed
to determine if the vehicle has a covered Mechanical
Breakdown. If it is determined that the repair is needed
due to a covered Mechanical Breakdown, then the Provider
will pay for such tear down or diagnosis. If it is determined
that part of the vehicle requiring repair is not a Covered
Part or that the failure of a Covered Part is not a
covered Mechanical Breakdown, then the Contract Holder
is responsible for payment of such tear down or diagnosis.
• The Contract Holder agrees not to modify the
vehicle in a manner not recommended by the vehicle manufacturer.
PROVIDER OBLIGATIONS
• If a covered Mechanical Breakdown of the vehicle
occurs during the term of this service contract and
within the United States or Canada, the Provider will
pay the Contract Holder or the Repair Facility for repair
or replacement, as ACSC deems appropriate, of the Covered
Part(s) that caused the Mechanical Breakdown, but only
if the Contract Holder has met his/her obligations as
described in this service contract and if the Mechanical
Breakdown is not excluded under the exclusions section
of this service contract. Replacement parts can be of
like kind and quality. This may include the use of new,
used or remanufactured parts, as determined by ACSC.
• The aggregate total of all benefits paid under
this service contract will not exceed the average retail
value of the vehicle, as determined by ACSC using the
National Automobile Dealer Association (NADA), or other
published industry-recognized market valuation manual,
at the time of the Mechanical Breakdown, taking age,
mileage and condition into consideration and excluding
tag, tax and license fees. The Contract Holder will
be responsible for the cost of any repairs that exceed
the maximum liability of ACSC under this service contract.
• Provider will reimburse the Contract Holder
for the cost of renting a replacement vehicle while
covered repairs are being performed, subject to the
following limitations: (1) the limit on reimbursement
is $25 per day for a maximum of six (6) days per Mechanical
Breakdown or series of Mechanical Breakdowns related
in time or cause; (2) rental reimbursement will not
be authorized until the repairs have been authorized
by ACSC; and (3) to receive rental reimbursement, the
Contract Holder must supply ACSC with a receipt from
a licensed rental agency. The number of days for which
rental reimbursement is provided will be based on labor
time charged to do the repair(s). One day rental will
be authorized for parts delay, inspection of breakdown,
and/or four (4) hours to do repairs. An additional day
of rental will be authorized for every additional eight
(8) hours of labor time charged to do the repairs.
• Provider will reimburse the Contract Holder
for motel and restaurant expenses up to $75 per day
for a maximum of three (3) days in the event of a Mechanical
Breakdown covered by this service contract that occurs
more than 100 miles from your home and results in a
Repair Facility keeping the vehicle overnight. The maximum
benefit per occurrence is $225. To receive motel and
restaurant reimbursement, the Contract Holder must supply
ACSC with his/her receipts from the providers of such
services.
COVERED PARTS
The coverage provided by this service contract supplements
the new vehicle warranty provided by the vehicle manufacturer
to the original owner of the covered vehicle. After
the expiration of the new vehicle warranty and before
the expiration of this service contract, ACSC will,
upon payment of the deductible amount per visit selected
on the front of this service contract, make any necessary
repairs to the vehicle, excepting any parts and Mechanical
Breakdowns listed under the sections of this service
contract entitled “What Is Not a Covered Part”
and “Exclusions — What This Vehicle Service
Contract Does Not Cover”. Use of non-original
manufacturer’s parts in covered repairs is allowed.
WHAT IS NOT A COVERED PART
The following parts are not covered by this service
contract: paint and carpeting; manual/hydraulic clutch
assembly; trim; hoses and rubber parts; canvas, vinyl,
fabric or fiberglass tops; moldings; distributor cap/rotor;
tires/wheels; air bag/supplemental restraint systems;
lenses; battery and cables; all maintenance service
and items, such as alignments, wheel balances, struts
and shocks, engine tune-ups, EGR valve, oxygen sensors,
window regulators, seat regulators, fuel regulators,
spark/glow plugs, plug wires, brake pads, linings and
shoes, filters, lubricants, coolants, thermostat, hoses
and belts; bright metal; light bulbs and headlights;
video; audio; exhaust system; weather stripping; body
panels; brake rotor/drums; shop supplies and hazardous
waste removal; blend motors and doors, buttons, handles
and door hinges; and glass.
EXCLUSIONS – WHAT THIS VEHICLE SERVICE
CONTRACT DOES NOT COVER
This Contract does not cover the following: (1) Repair
or replacement of a covered component/part to correct
conditions that may reasonably be assumed to have exited
at the inception date of the coverage provided by this
contract (Pre-existing conditions); (2) A Breakdown
caused by lack of manufacturer’s specified maintenance;
(3) A Breakdown caused by contamination of or lack of
proper fuels, fluids, coolants or lubricants, including
a Breakdown caused by a failure to replace seals or
gaskets in a timely manner; Repair of any parts used,
added or replaced during a covered repair which are
not necessary to the completion of covered repair or
were not damaged by the failure of a Covered Part (Such
replacement is considered betterment and is not covered
by this Contract); (4) Any cost covered by a repairer’s
or supplier’s guarantee, or any cost which would
normally be covered by a manufacturer’s warranty;
(5) Any or other benefits for which the manufacturer
has announced its responsibility through any means including
public recalls or factory service bulletins; (6) Cost
or other damages caused by continued vehicle operation
after the failure of a Covered Part or the failure to
replace a worn part that has not failed; (7) Any liability,
cost or damages the Contract Holder may incur to the
benefit of any third parties other than ACSC approved
repair or replacement of Covered Parts which caused
a Mechanical Breakdown; (8) A Breakdown caused by overheating,
rust or corrosion; (9) A Breakdown caused by collision,
fire, electrical fire or meltdown, theft, freezing,
vandalism, flood, or for any hazard insurable under
standard physical damage insurance policies whether
or not such insurance is in force with respect to the
vehicle; (10) Loss of use, loss of time, loss profits
or savings, inconvenience, commercial loss, or other
incidental or consequential damages or loss that results
from a Breakdown; (11)Liability for damage to property,
or for injury to or death of any person arising out
of the operation, maintenance or use of the vehicle,
whether or not related to Breakdown; (12) Any part not
covered by, or excluded by the original manufacturer’s
warranty; (13) Vehicles that have been modified in a
manner that increases the likelihood of a breakdown;
(14) Consequential damage of a covered component by
a non-covered component is not covered, failure of a
non-covered component caused by a covered component
is not covered; (15) Continued operation of an impaired
vehicle which causes further damage is not covered.
DEDUCTIBLE
The Contract Holder is responsible for paying a $50
deductible for each visit to a Repair Facility, unless
the $100 or $0 deductible option is selected.
OPTION TO PURCHASE ANOTHER SERVICE CONTRACT
WHEN CURRENT CONTRACT EXPIRES
The Contract Holder may request to purchase another
service contract when this service contract expires
if all of the following criteria are satisfied: (1)
The purchase is made at least thirty (30) days and 1000
miles prior to the expiration of the current service
contract; (2) The vehicle and all service records are
made available for inspection at Provider’s request;
and (3) The vehicle must qualify for terms of the new
service contact based on mileage and age of vehicle
when the request for the new service contract is made.
The cost for the new service contract will be based
on then current rates. If you have any questions or
wish to purchase a new service contract, contact the
selling dealer or call 1-800-824-7059.
How This Contract May Be Canceled, Including Refunds
and Charges
At the contract holder’s request for cancellation
of this contract, the contract holder may return the
contract within 60 day after purchase and the company
will refund 100% of the gross premium paid, less any
claims paid on the agreement. A reasonable administrative
fee may be charged not to exceed 5 percent of the gross
premium paid by the contract holder. After the contract
has been in effect for 60 days, it may not be cancelled
by the company unless: (a) there has been a material
misrepresentation or fraud at the time of sale of the
contract; (b) The contract holder has failed to maintain
the motor vehicle as prescribed by the manufacturer;
(c) the odometer has been tampered with or disabled
and the contract holder has failed to repair the odometer;
or (d) for non-payment of premium by the contract holder,
in which case the company shall provide the contract
holder notice of cancellation by certified mail. If
the contract is cancelled by the company, the return
of premium must not be less than 100 percent of the
paid unearned pro rate premium. If, after 60 days, the
contract is cancelled by the contract holder, the company
shall return directly to the contract holder not less
than 90 percent of the unearned pro rate premium.
WHAT TO DO IF YOU HAVE A MECHANICAL BREAKDOWN
(1) Use all reasonable means to protect the vehicle
from further damage. This may require you to stop the
vehicle, turn off the engine, and have the vehicle
towed.
(2) If the vehicle is inoperable and needs to be towed,
call Roadside Assistance toll free at 1-866-827-9805.
Have your membership contract number ready before you
call. Any payment of the costs of transporting the vehicle
for service is provided under this service contract
exclusively pursuant to the terms and conditions for
emergency road service provided by Roadside Assistance.
(3) If your vehicle is within forty (40) miles of the
selling dealer and the dealer has a Repair Facility,
you must call the dealer and make sure they can work
on your vehicle. If they can, you need to make arrangements
to get the vehicle to them. If the selling dealer does
not perform repairs, you can take the vehicle to any
qualified Repair Facility. In-home service is not provided
under this service contract.
(4) Present this service contract to the Repair Facility
and call ACSC toll free at 1-800-824-7059 to obtain
prior authorization for any repairs. No claims will
be paid without prior authorization. Prior to proceeding
with any repairs, the Repair Facility must call ACSC
with an estimate of the cost of repairs and receive
an authorization number from ACSC.
(5) Fax or mail any maintenance receipts. ACSC can be
reached via fax at 1-256-851-6828 or through the mail
at P.O. Box 1231, Huntsville, AL 35805.
(6) Reimbursement for emergency repairs performed outside
of normal business hours can be obtained by the Contract
Holder only if he/she follows the above procedures on
the first business day after such emergency repairs
are performed.
*Rates and coverage provided on
this site are for informational purposes only and subject
to change. Please refer to the Extended
Service Contract for complete descriptions of the
coverage. We use the terms 'Warranty' and 'Extended
Warranty' interchangeably with 'Vehicle Service Contract'
and 'Extended Service Contract' for marketing purposes
only.
