Gold Key Florida Full Coverage Contract
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| GOLD KEY FLORIDA
FULL 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 following is a list of Covered Parts under this
Contract (Taxes and fluids needed for authorized repairs
are also included): (1) Engine – Engine head(s);
engine block; cylinder barrels; timing cover; valve
cover(s); oil pain; dip stick & tube, ONLY if damaged
by the failure of an internal, lubricated part. The
following internal, lubricated parts: pistons, pins
& rings; connecting rods & bearings; crankshaft
& main bearings; camshaft, followers & cam bearings;
push rods, valves, springs, replaceable guides, seats
& lifts; rocker arms, shafts & bushings; timing
gear, chain, tensioners & retainers; eccentric shaft;
oil pump. Also covered are the following: timing belt;
water pump; intake &exhaust manifolds; turbo charger;
engine mounts & cushions; engine torque strut; harmonic
balancer; flexplate; idler pulley bearings. (2) Transmission
– Transmission case, transfer case & torque
converter case, if damaged by the failure of an internal
lubricated part covered part. All internal, lubricated
parts contained within the cases. Filler tube &
dipstick; vacuum modulator; internal linkage; I/C chips.
(3) Driver Axle(s) – Differential house, transaxle
housing final drive housing, if damaged by the failure
of an internal, lubricated part. All internal, lubricated
contained within the housings. Axle shafts; constant
velocity joints (CV); universal joints; drive shafts;
locking hubs; locking rings; supports, retainers &
bearings. No coverage afforded for clutch assembly or
any part thereof. (4) Transfer Case – All internal
lubricated parts. (5) AC/Heating – (Includes only
factory or dealer installed equipment) Condenser; compressor,
compressor clutch, pulley; stabilizer, clutch coils;
evaporator; POA valve; accumulator; orifice; tensioner;
temperature control programmer; power module; idler
pulley bearing; blower motor; high/low cutoff switches;
pressure cycling switch; receiver/dryer. (6) Suspension
– Control arms; control arm shafts, bearings and
bushings; radius arm; radius arm bushing; stabilizer
bar; stabilizer link; stabilizer bushing; spindle; wheel
bearings; and torsion bars; steering knuckles; kingpin
& bushings. (7) Steering – Steering gear box
or rack and all internal Lubricated Parts; power steering
pump; steering column shaft; and steering column shaft
couplings; power cylinder; Pitman arm; idler arm; link
and control valve. (8)Cooling – Water pump; engine
cooling fan motor, radiator fan, and fan clutch. (9)
Fuel – Fuel delivery pump; fuel injectors; nozzles
and fuel tank. (10) Brake – Non-ABS master cylinder;
power brake cylinder; vacuum assist booster; vacuum
brake booster pump; compensating valve; disc brake calipers,
wheel cylinders; hydraulic lines; hydraulic line fittings;
backing plates; springs, clips and retainers; self-adjusters;
linkage and cables; rear actuators. (11) Electrical
– Alternator; generator; voltage regulator; distributor;
rear defrost; engine control module; electric motors,
window, seat, mirror, windshield wiper; door lock actuator;
Switches, window, door lock, cruise control engagement;
ignition coil; pole pieces; starter motor; starter solenoid;
wiring harness. (12) Seals & Gaskets – Leaking
seals and gaskets on any covered part listed above.
Minor loss of fluid or seepage is considered normal
and is not considered a Mechanical Breakdown. (not covered
on vehicles with over 80,000 miles or powertrain coverage)
(13) High Tech – Level control compressor, sensors
& limiter valve; pneumatic suspension pump, sensors
& valves; ignition module; spark control detonation
sensors & controller; moisture control unit &
sensors; antidetonation sensors; vehicle manufacturer
installed anti-theft device; the following parts of
the Anti-locking Brake System (“ABS”): pump
& pressure control module; I/C chips. (not covered
on vehicles with over 100,000 miles or powertrain coverage).
Use of non-original manufacturer’s parts in covered
repairs is allowed.
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.
WHAT ACSC WILL DO WHEN YOU REPORT A CLAIM
The Claims Department of ACSC is responsible for the
performance of Provider under this Contract. Upon the
filing of a claim under this service contract, ACSC
will verify the validity of the service contract (which
includes determining that the person making the claim
is the proper holder of this service contract, that
the vehicle to which the claim relates is covered by
this service contract, and that the service contract
is still in force), verify the Mechanical Breakdown
with the Repair Facility, verify coverage of the Mechanical
Breakdown under this service contract, and authorize
repair of Covered Parts (which includes providing the
Repair Facility with an authorization code and confirming
cost of repair). Payment is provided through direct
billing, credit card, or reimbursement of the Contract
Holder.
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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