WARRANTY AMERICA BUMPER TO BUMPER FLORIDA CONTRACT :

Warranty America Program

First Warranty Group of Florida (license # 60115)

15806 Brookway Drive, Huntersville, NC 28078

(888) 661-7880 Fax: (704) 895-6122

Part Two of Two Parts – “Bumper to Bumper” New Vehicle Service Contract Coverage Pages

•• DEFINITIONS••

• “Breakdown” or “Mechanical Breakdown” means the event caused by the total failure of any Covered Part to work as it was designed to work in normal service. Please refer to the wording under exclusions for a listing of conditions under which the failure of a Covered Part is not considered a Mechanical Breakdown.
• “Contract Holder” means the purchaser or holder of this Contract.
• “Covered Part” means any part of the vehicle listed herein as a covered part and not excluded from coverage by this Contract.
• “Participating Lender” means any financial institution providing financing for the purchase of the vehicle and/or this Contract.
• “Repair Facility” means any automotive repair facility at which the Contract Holder seeks to acquire service under this Contract.
• “Obligor” means First Warranty Group of Florida.
• “Waiting Period” means no claims or Roadside assistance benefits will be paid on any claims or failures that occur within the first 30 days and 1,000 miles from the “Odometer Reading” and “Sale Date” on the Declaration Page.

 

When you receive this Contract read it carefully. Ensure that Part One, the Declaration Page is complete and accurate. Read all sections of Part Two, the Coverage Pages, carefully and if you are unclear about any information herein call the Administrator, for clarification.

Purchase of this Contract is not required in order to purchase or obtain financing for the vehicle. This Contract is not issued by the manufacturer or wholesale company marketing the vehicle. This Contract will not be honored by such manufacturer or wholesale company.

••CONTRACT HOLDER OBLIGATIONS••

• The Contract Holder hereby authorizes the Participating Lender to: (1) be listed as joint payee and receive any refund in the event this Contract is canceled, or (2) to cancel this Contract in the event the Contract Holder defaults in his/her obligations to such lender.
• In order for this Contract to remain in force, the Contract Holder is required to follow the vehicle manufacturer’s required maintenance schedule. Some vehicle manufacturers require that the Timing Belt be changed at a specific interval. Contract Holder must follow the vehicle manufacturer’s maintenance guidelines to avoid denial of a claim because of improper maintenance. The Contract Holder must keep and make available verifiable, signed service/purchase receipts that show that this maintenance has been performed within the time and mileage limit requirements.
• The Contract Holder and the Repair Facility are required to obtain from First Warranty Group of Florida and an authorization number prior to beginning any repair covered by this Contract.
• The Contract Holder is responsible for paying a $100 deductible for each visit to the Repair Facility, unless lower 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 Breakdown. If it is subsequently determined that the repair is needed due to a covered Breakdown, the Provider will pay for such tear down or diagnosis. If the failure is not a covered Breakdown, the Contract Holder is responsible for payment of such tear down or diagnosis.

 

••PROVIDER OBLIGATIONS••

If a covered Mechanical Breakdown of the vehicle occurs during the term of this Contract, the Provider will:

• Pay the Contract Holder or the Repair Facility for repair or replacement, as First Warranty Group of Florida deems appropriate, of the Covered Part(s) which caused the Breakdown if the Contract Holder has met his/her obligations as described in this Contract and if the Breakdown is not excluded under the exclusions section of this Contract. Replacement parts can be of like kind and quality.
• Rental reimbursement is based on labor time charged to do the repair(s). Rental will not be authorized until the repairs have been authorized by First Warranty Group of Florida. One (1) day rental is allowed 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. T O RECEIVE RENTAL BENEFITS THE C ONTRACT H OLDER MUST SUPPLY F IRST W ARRANTY GROUP OF FLORICA WITH HIS / HER RECEIPT FROM A LICENSED RENTAL AGENCY . The limit on this reimbursement is up to $50 per day for up to three (3) days per Breakdown or series of Breakdowns related in time or cause.
• Reimburse the Contract Holder for motel and restaurant expenses up to $50 per day for a maximum of three (3) days in the event of a Breakdown covered by the Contract, which occurs more than one hundred (100) miles from your home and results in a Repair Facility keeping the vehicle overnight. The maximum benefit per occurrence is $150. T O RECEIVE MOTEL AND RESTAURANT REIMBURSEMENT , THE C ONTRACT H OLDER MUST SUPPLY F IRST W ARRANTY G ROUP OF F LORIDA , WITH HIS / HER RECEIPTS FROM TH E PROVIDERS OF SUCH SERVICES .
• Reimburse the contract holder for the actual expenses occurred for towing, not to exceed the amount stated on the Declaration Page when a breakdown has occurred.

 

NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION CLAIMS 1-800-438-7753

WAA-N-B2B-FL-0804

••WHAT IS COVERED• •

The coverage provided by this Contract supplements the new vehicle warranty provided by the manufacturer to the original owner of the covered vehicle. After the expiration of the new vehicle warranty and before the expiration of this Contract, First Warranty Group of Florida will, upon payment of the deductible amount per visit selected on the front of this Contract, make any necessary repairs to the vehicle, excepting any parts and Breakdowns listed under the sections of this Contract entitled “What Is Not Covered” 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 COVERED••

This Contract covers all your vehicle’s parts EXCEPT:

Paint/carpeting; frame or structural separation; manual/hydraulic clutch assembly; trim; hoses and rubber parts; fiberglass top; any repositioning, refitting or realigning; 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, engine tune-ups, spark/glow plugs, plug wires, brake pads, linings & shoes, filters, lubricants, coolants, hoses and belts; bright metal; light bulbs/headlights; exhaust system; weather stripping; body panels; brake rotor/drums; normal fluid/oil lubricant seepage; canvas, vinyl or fabric tops; shop supplies, hazard waste removal; body adjustments; buttons, handles, door hinges, glass; service adjustments and cleaning; retrofits or replacements of any components caused by or due to compliance with law or legislation including the 1990 Clean Air Act, and including emission control equipment and sensors. Tires ­

The tire must be an original vehicle manufacturer equipped tire, or replacement tire of the same size and type, properly installed on your vehicle. Reimbursement is based on the price of original tires purchased with your vehicle. Covered damage is defined as any road hazard caused damage necessitating replacement of the tire.

•• BENEFITS •• The following additional benefits are provided with your Agreement, except where prohibited by law. Your Agreement provides you with an emergency road service program when needed 24 hours a day, 365 days a year. Dispatch service will be provided by “Signature’s Nationwide Auto Club”, a GE Financial Assurance Company. When your vehicle becomes disabled, just call 866-222-7869 and a service vehicle will be dispatched to you. Simply sign for the service and go on your way. There is a combined $400 limit for auto club benefits for the term of your Agreement.

TOWING SERVICE – When your vehicle cannot be started or driven, or is in an accident, you are covered up to fifty dollars ($50) per occurrence.

EMERGENCY TIRE SERVICE – Whenever you have a flat or damaged tire, you are covered up to a maximum of thirty-five dollars ($35) per occurrence for the service provider to change the inflated spare from mount to wheel.

LOCKOUT SERVICE – Misplaced, broke, or accidentally locked your keys in the vehicle? Dispatch will provide locksmith or emergency vehicle service to assist you. Independent Service Providers’ vehicles are equipped to provide locksmith service. This service is limited to fifty dollars ($50) per occurrence.

BATTERY SERVICE – In the event the battery for your vehicle fails, battery services will be provided to a maximum of thirty-five dollars ($35) per occurrence. Independent Service Providers’ vehicles are ALL equipped to boost batteries as well as perform minor adjustments to batteries, starters, and alternators.

FUEL DELIVERY SERVICE – At Your Service will deliver oil, fuel, or water to the site of the member. The member is responsible for the cost of the fuel. In the event that local state regulations prohibit the delivery of flammable materials (i.e. gas), At Your Service will tow your vehicle to the nearest gas station within the limits of your towing coverage. These delivery services are limited to thirty-five dollars ($35) per occurrence.

WINCHING - Winching services will provide winching service within 100 feet of the roadside (excludes off-road driving). Winching services are limited to thirty-five dollars ($35) per occurrence.

••EXCLUSIONS – WHAT THIS VEHICLE SERVICE CONTRACT DOES NOT COVER••

This Contract does not cover the following: Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed to have existed at the inception date of the coverage provided by this Contract (Pre-existing conditions); A Breakdown caused by lack of manufacturer’s specified maintenance; 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 the 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); Any cost covered by a repairer’s or supplier’s guarantee, or any cost which would normally be covered by a manufacturer’s warranty; 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; Any liability, cost or damages the Contract Holder may incur to the benefit of any third parties other than First Warranty Group of Florida -approved repair or replacement of Covered Parts which caused a Breakdown; A Breakdown caused by overheating, rust or corrosion; 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; 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; 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 a Breakdown; Any costs or other benefit for which the manufacturer has announced its responsibility through any means including public recalls or factory service bulletins; Any part not covered by, or excluded by the original vehicle manufacturer's warranty; A gradual reduction in operating performance due to normal wear and tear, such as to guides, valves, rings, and transmission clutch pack discs and bands, unless the Wear & Tear Option has been purchased (Wear and Tear is defined as damage to a component that hasn’t failed but doesn’t meet the manufacturer’s tolerances or specifications); Vehicles that have been modified in a manner that increases the likelihood of a Breakdown; 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; Continued operation of an impaired vehicle which causes further damage is not covered.

••COMMERCIAL USE DEFINED••

A Commercial Use vehicle is defined as a vehicle registered to a business and/or for business purposes. Vehicles that are used in excess of manufacturer’s g.v.w. or for excessive hauling and pulling are excluded from coverage hereunder. Tow trucks, snowplows, taxis, and police vehicles are specifically excluded from coverage hereunder.

••HOW THIS CONTRACT MAY BE CANCELED, INCLUDING REFUNDS AND CHARGES•• CANCELLATION (Cancellation rights are only to the original CONTRACT purchaser) YOU may cancel this CONTRACT by contacting US in writing and by submitting the following documents:

1. A written request to cancel. 2. This original CONTRACT. 3. A Federal Odometer Statement or notarized affidavit verifying mileage at the time of request. We may cancel this CONTRACT in case of material misrepresentation or fraud at the time of CONTRACT purchase, Non-payment of premium, if YOU fail to maintain YOUR vehicle according to the manufacturer’s recommendation, or it the odometer has been tampered with or disabled and the agreement holder has failed to repair the odometer. In the event this contract is canceled by the company the refund premium will be 100% of the unearned pro-rata premium. YOU may cancel this CONTRACT at any time. If YOU cancel within the first 60 days of purchase, YOU will receive a full refund, less a service fee equal to 5% of the CONTRACT price, if YOU have not incurred a claim. If WE cancel this CONTRACT during the first 60 days, your refund will be 100% of the premium you paid. If cancellation of YOUR contract is after 60 days of purchase, the cancellation will be pro-rated based upon the number of days the CONTRACT has been in-force, or odometer miles, in relation to the term of the CONTRACT, whichever is less. You will receive a refund of not less that 90% of the unearned pro rata premium you paid. If YOU financed this CONTRACT, the refund will be paid to the lender.

••WHAT TO DO IF YOU HAVE A 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 your vehicle is within forty (40) miles of the selling dealer and the dealer has a repair facility, you must call them and make sure they can work on your particular vehicle. If they can, you need to make arrangements to get the vehicle to them. If the selling dealer doesn’t do repairs you can take the vehicle to any qualified repair facility. To assure coverage under the terms of the Contact, Authorization must be optained prior to any repair.

3) Present this Contract to the Repair Facility, call First Warranty Group of Florida toll free at 1-800-438-7753, and fax any required maintenance receipts. First Warranty Group of Florida can be reached through the mail at 15806 Brookway Huntersville, NC 28078. 4) Prior to proceeding with repairs, ensure the Repair Facility calls First Warranty Group of Florida, with an estimate of repairs and receives an authorization number from First Warranty Group of Florida. 5) The Claims Department of First Warranty Group of Florida, is responsible for the performance of Provider under this Contract 6) .In-home service is not provided under this Contract. Any payment of the costs of transporting the vehicle for service is provided under this Contract exclusively pursuant to the terms and conditions. 7) The Contract Holder is responsible for paying a $100 deductible for each visit to the Repair Facility, unless lower deductible surcharge is purchased. 8) 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.

••WHAT FIRST WARRANTY GROUP OF FLORIDA WILL DO WHEN YOU REPORT A CLAIM••

Upon the filing of a claim under this Contract, First Warranty Group of Florida will verify the validity of the Contract (proper owner, proper vehicle, Contract still in force), verify the Breakdown with the Repair Facility, verify coverage, and authorize repair of covered parts (provide Repair Facility with authorization code and confirm cost of repair). Payment is provided through direct billing, credit card, or Contract Holder reimbursement.

••HOW THIS CONTRACT MAY BE TRANSFERED•• Only the original Contract Holder may transfer this Contract. This option is not available to the Contract Holder if the vehicle is traded or sold to or through any entity other than a private party. The rights and duties of the Contract Holder under this Contract may be transferred in a sale of the vehicle directly to another private party, but only if the Contract Holder: (1) Sends the completed transfer application to First Warranty Group of Florida within thirty (30) days of the sale or transfer of the vehicle, and (2) encloses a $40 transfer fee In the event the vehicle is a total loss or is repossessed, any rights and obligations under this Contract immediately transfer to the lien holder, if any. The Contract Holder must provide the new owner with copies of all receipts as listed under the section of this Contract entitled "CONTRACT HOLDER OBLIGATIONS".

NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION CLAIMS 1-800-438-7753

WAA-N-B2B-FL-0804