Gold Key Factory Coverage Contract
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| GOLD KEY FACTORY
COVERAGE CONTRACT |
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 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
The Contract Holder may cancel this Contract by contacting
the dealership or ACSC, P.O. Box 1231, Huntsville, AL
35805. The Contract Holder may cancel this Contract
at any other time and receive a pro rata refund of the
Total Contract Purchase Price based on the greater of
the days in force or the miles driven compared to the
total Contract Term, less the applicable cancellation
fee and less claims if applicable in your state. The
Term of this contract for cancellation purposes will
be based on the date of purchase of the vehicle and
the vehicle mileage on such date. ACSC is primarily
liable to provide any refund under this Contract. If
this Contract was purchased in Arizona, Georgia or North
Carolina, the refund will be issued on the above-mentioned
pro rata basis, whenever it is canceled. If this Contract
was purchased in Alabama, Nevada, Texas or Wyoming,
a ten percent penalty per month shall be added to a
refund that is not made within forty-five (45) days
of return of the Contract to ACSC; if this Contract
was purchased in New York or Washington, said penalty
shall be added to a refund not made within thirty (30)
days of return of the Contract to VSIC, RRG. If this
Contract was purchased in Colorado, the Contract Holder
may not cancel this Contract at any time. The applicable
cancellation fee shall be $50.00, except: if this Contract
was purchased in Alabama, the applicable cancellation
fee shall be $25.00 and will not be assessed if the
Contract Holder is entitled to a full refund hereunder;
if this Contract was purchased in Illinois, the applicable
cancellation fee shall be the lesser of 10% of the service
contract price or $50.00; if this Contract was purchased
in Georgia or Missouri, a cancellation fee shall not
be assessed; if this Contract was purchased in Nevada
and it is canceled within twenty (20) days after the
Contract Purchase Date, there shall be no applicable
cancellation fee; if this Contract was purchased in
North Carolina, the applicable cancellation fee shall
be 10% of the refund issued hereunder; if this Contract
was purchased in Washington, the applicable cancellation
fee shall be $25.00 if the Contract is canceled ten
(10) or more days after the Contract Purchase Date (if
the Contract is canceled before that time, there shall
be no applicable cancellation fee). Refunds issued hereunder
shall be issued less the value of any services received
by the Contract Holder (including claims paid), except:
if this Contract was purchased in Alabama or Illinois,
such subtraction of the value of any services received
by the Contract Holder shall apply only to cancellations
not fully refunded; if this Contract was purchased in
Arizona, Nevada or Wisconsin, such subtraction of any
services received by the Contract Holder shall never
apply. If this contract was purchased in Iowa, the contract
holder may cancel the contract within 30 days of the
contract purchase date and receive a refund of the purchase
price less a $50.00 cancellation fee and less the total
of claims paid, if you have any questions or problems
regarding this contract, you may contract ACSC, (the
Administrator), by mail at P.O. Box 1231, Huntsville,
AL 35805, or phone 1-800-824-7059. Iowa residents only
may contact The Iowa Securities Bureau at 1-515-281-4441,
or write to 340 Maple Street, Des Moines, Iowa 50319-0066.
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) 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.
WHAT ACSC WILL DO WHEN YOU REPORT A CLAIM
Upon the filing of a claim under this Contract,
ACSC will verify the validity of the Service Contract
(proper owner, proper vehicle, Contract still in force),
verify the
Breakdown with the Repair Facility, verify the 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 TRANSFERRED
The rights and duties of the Contract Holder under this
service contract may be transferred in connection with
the sale of the vehicle directly to another private
party, but only if the Contract Holder: (1) Sends a
completed transfer application to ACSC within thirty
(30) days of the sale or transfer of the vehicle; and
(2) encloses a $40.00 transfer fee. Only the original
Contract Holder may transfer this service contract.
The Contract Holder may not transfer this service contract
if the vehicle is traded or sold to or through any entity
other than a private party. In the event the vehicle
is a total loss or is repossessed, any rights and obligations
under this service contract immediately transfer to
the lien holder, if any. The Contract Holder must provide
the new owner of the vehicle with copies of all receipts
as listed under the section of this service contract
entitled “Contract Holder Obligations.”
OTHER IMPORTANT CONTRACT PROVISIONS
The obligation of the Provider to perform under
this Contract is insured by ACSC of Florida, Inc. In
the event the Provider fails to pay that which it is
legally obligated to pay within 60 days after proof
of loss has been filed with ACSC, the Contract Holder
may file a claim under the insurance policy by mailing
a copy of the adjudication to ACSC at their above address
or toll-free at 1-800-824-7059.
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.
This Contract contains the complete agreement between
the parties and is not valid unless signed by both the
Contract Holder and an authorized representative of
the Provider.
The aggregate total of Provider’s liability for
all benefits paid or payable during the term of this
Contract shall not exceed the average retail value of
the vehicle according to current National Auto Dealers
Association standards at the time of Breakdown.
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