DEFINITIONS

• “Commercial Use” means a vehicle that is registered to a business and/or for business purposes. The following vehicles are not eligible for the “Commercial Use” option
and are excluded from coverage under this service contract: tow trucks; snowplows; taxis; police vehicles; and vehicles that are used in excess of manufacturer’s g.v.w.
or for excessive hauling and pulling.

• “Contract Holder” means the purchaser or holder of this service contract.

• “Covered Part” means any part of the vehicle covered by this service contract that is not excluded from coverage under the section of this service contract entitled “What is Not a Covered Part.”

• “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.

• “Participating Lender” means any financial institution providing financing for the purchase of the vehicle and/or this service contract.

• “Repair Facility” means any automotive repair facility at which the Contract Holder seeks to have service performed under this service contract.

• “Administrator” or “ACSC” means Automobile Consumer Service Corporation, which will administer this service contract, process and pay claims and process
cancellations.



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.

• If, at the time of payment of any claim under this service contract, there remains an outstanding balance on the purchase price of this service contract, ACSC may,
in its sole discretion, withhold all or a portion of the payment and apply it to reduce the outstanding balance of the purchase price.

• 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 (No claims on suspension will be considered until after 90 days and 3000 miles). (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; anti-detonation 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 existed 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; (16) A gradual reduction in operating performance due to normal wear and tear, such as valve guides, valves, rings, and transmission clutch pack discs and bands; (17) Frame or structural separation; (18) Service adjustments and cleaning; (19) Any repairs to a vehicle with a title indication of salvage or junk or other designation indicating that the vehicle had been stolen, wrecked, destroyed, water damaged, or otherwise to the extent that it was considered to be uneconomical to repair, total mileage is unknown, or lemon law buyback; (20) Any repositioning, refitting, realignments, or body adjustments.

ROADSIDE ASSISTANCE -  1-866-827-9805
Your emergency road service begins on the effective date of your extended service agreement and will continue until the expiration or termination of your contract, whichever occurs first. Your emergency road service is available throughout the United States 24 hours a day, 365 days a year.

Concierge Service — The customer is responsible for payment of any services arranged (i.e. the cost of the hotel room, rental car, etc.) directly to the provider of the service.

Emergency Roadside Towing Service — $50 limit for such services as fuel delivery, tire changes (customer supplied), jump-starts, lockout, mechanical first-aid, and towing.

ASSISTANCE OBTAINED THROUGH ANY SOURCE OTHER THAN ROADSIDE ASSISTANCE IS NOT COVERED AND IS NOT REIMBURSABLE.



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.



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 manufacturers 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

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.


CANCELLATION (IF FINANCED)

A. We may cancel this Contract for non-payment of the Contract Charge, or for misrepresentation in the submission o f a claim. We may cancel this Contract if Your Vehicle is found to be modified in a manner not recommended by the manufacturer.
B. In the event that your contract is cancelled for non-payment, no refund will be due.
C. Returned Check Charge: A returned check charge of $30.00 will be assessed each time you pay us with a check or pre-authorized check that is returned unpaid.
The funding party will post the returned charge to your balance due. Unpaid late fees will be posted to your balance due. D. Refund Policy for Pre-Authorized Check Payments: If payment has been made by a pre-authorized check(s), you must submit all original cancelled pre-authorized check(s) to the funding party. For purposes of refund, photocopies of pre-authorized check(s) are not accepted. With receipt of your refund, your original pre-authorized check(s) will be returned to you. E. Reinstatement: If the Vehicle Service Contract is cancelled due to non-payment, we reserve the option to reinstate the Agreement. As a condition of reinstatement, any reinstatement request must be made within thirty (30) days of cancellation and the full amount of the Contract price must be paid at the time of reinstatement. We will not be responsible for any Mechanical Failure to your vehicle during the first thirty (30) days and 1,000 miles from the effective date of
the Reinstatement Notice.





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

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 $50.00 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.”


PROVIDER’S RIGHT TO CANCEL THIS SERVICE CONTRACT

ACSC may cancel this service contract and/or deny any claims presented under this service contract if:

• The Contract Holder fails to pay any amount when due.

• ACSC discovers fraud or material misrepresentation by the Contract Holder in obtaining this service contract or in presenting a claim for service hereunder, including, but not limited to, whether the vehicle title indicates that the vehicle was salvaged or rebuilt.

• ACSC discovers an act or omission by the Contract Holder, or a violation by the Contract Holder of any condition of this service contract, that occurred after the
effective date of this service contract and that substantially and materially increases the service required under this service contract, including but not limited to: failure of the odometer of the vehicle to record the actual mileage of the vehicle after the effective date of this service contract and/or the actual mileage of the vehicle cannot be established to a reasonable degree of certainty at the time of sale; if there is a lack of required maintenance; operation of the vehicle without coolant or lubricant; and use of the vehicle for commercial purposes (unless the Commercial Use option is purchased).


In the event this service agreement is canceled by the Provider, return of premium shall be based upon 100% of unearned pro rata purchase price. In the event that your contract is cancelled for non-payment, no refund will be due.

Returned Check Charge: A returned check charge of $25.00 will be assessed each time you pay us with a check or pre-authorized check that is returned unpaid. The funding party will post the returned charge to your balance due. Unpaid late fees will be posed to your balance due.

Refund Policy for Pre-Authorized Check Payments: If payment has been made by a pre-authorized check(s), you must submit all original cancelled pre-authorized check(s) to the funding party. For purposes of refund, photocopies of pre-authorized check(s) are not accepted. With receipt of your refund, your original pre-authorized check(s) will be returned to you.

Reinstatement: If this service contract is cancelled due to non-payment, we reserve the option to reinstate the Agreement. As a condition of reinstatement, any reinstatement request must be made within thirty (30) days of cancellation and the full amount of the purchase price must be paid at the time of reinstatement. We will not be responsible for any Mechanical Breakdown to your vehicle during the first thirty (30) days and 1,000 miles from the effective date and miles at the time of reinstatement.



DISPUTES ABOUT THIS SERVICE CONTRACT

The Contract Holder agrees that any controversy or claim arising out of or related to this service contract, or the breach thereof, will be resolved by arbitration administered by the American Arbitration Association (“AAA”). Matters involving damages of less than $10,000 will be resolved pursuant to the AAA’s Arbitration Rules for the Resolution of Consumer-Related Disputes and matters involving damages of $10,000 or more will be resolved by a single arbitrator pursuant to AAA’s Commercial Arbitration Rules. For a copy of procedures to follow to file a claim or other information regarding arbitration, contact AAA, 335 Madison Ave., NY, NY 10017 or online at www.adr.org. All disputes regarding this service contract will be subject to the laws of the State of Alabama.



NOTICE OF ARBITRATION AGREEMENT: This agreement provides that all disputes between you and the Provider will be resolved by BINDING ARBITRATION .

You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract (EXCEPT for matters that may be taken to SMALL CLAIMS COURT).

Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING , BUT the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrator decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT.

FOR MORE DETAILS: Review “Disputes About This Service Contract”





OTHER IMPORTANT CONTRACT PROVISIONS

This service contract is not issued by the vehicle manufacturer or the wholesale company marketing your motor vehicle. This service contract will not be honored by the vehicle manufacturer or such wholesale company. This service 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. Purchase of this Contract is not required to purchase or obtain financing for the Vehicle.

The obligation of the Provider to perform under this Contract is insured by Vehicular Service Insurance Company Risk Retention Group, Norman Oklahoma. 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 VSIC, RRG at their above address or toll-free at 1-800-824-7059. If this Service Contract was purchased in the State of Washington, such a claim may be made to ACSC, at any time.

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.



Other State Requirements / Disclosures

The Following Special State Requirements and/or disclosures apply if this Contract was purchased in one of the following states and supersede any other provision herein.

ALABAMA

This paragraph under “Cancellation of this Contract – Refunds and Charges” is replaced in its entirety with the following:

If no claim has bee made under this Contract, the Contract Holder is entitled to cancel this contract within Twenty (20) Days of the date the Contract was mailed or within Ten (10) Days of delivery if the Contract was delivered at the time of initial sale and receive a full refund of the purchase price. If the Contract is cancelled after the first Twenty (20) Days, a pro rata refund will be calculated less the application cancellation fee in the amount of Twenty Five dollars ($25.00). A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider.

ALASKA

The Contract Provider must return any unearned premium within Forty-Five (45) Days of receipt of a request for cancellation or the effective date of cancellation, whichever is later. The Contract Provider may charge cancellation fee of seven and one half percent (7.5%) of the unearned premium, not to exceed fifty dollars ($50.00).


The Contract Provider must provide the Contract Holder notice of cancellation for nonpayment no less than Twenty (20) days prior to the effective date of cancellation. Notice of Cancellation for conviction of the Contract Holder of a crime which increases a hazard insured against or for discovery of fraud or material misrepresentation by the insured shall be given at least 10 days prior to the cancellation date. Notice of Cancellation for all other reasons must be given at least Sixty (60) days prior to the cancellation date.



ARIZONA

The Contract Holder may cancel this contract and receive a pro rata refund based on the Policy outlined by the Contract Provider with the following exception: No claim incurred or paid shall be deducted from the amount to be refunded. State law and Administrative Code supersede any other provision herein. The Contract Holder may contact the Arizona Department of Insurance at 1910 North 44th Street #210, Phoenix, AZ 85019-7256.



COLORADO

The Contract Holder may not cancel this contract unless requested by the lienholder or in the event of a total loss. Proof of loss must be provided. The Contract Provider may cancel the contract under the terms and conditions outlined in the section entitled Providers Right to Cancel this Contract.



CONNECTICUT

If the term of the service Contract is less than one year, the term shall be automatically extended for the period of time the vehicle is in the custody of the repair facility for services authorized by the Contract Provider. Resolution of Disputes: In the event the Contract Holder and the Contract Provider fail to agree on an equitable resolution of a dispute arising regarding the coverage afforded under the terms of the service contract; the Contract Holder may send a written complaint, containing a description of the dispute, the purchase or lease price of the product, the cost of repair of the product and a copy of the service contract to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs.



GEORGIA

The Contract Holder may cancel this contract at any time and receive a pro rata refund of the Total Contract Purchase price based on the greater of days in force or the miles driven compared to the total Contract term. The deduction of claims paid or an assessment of a cancellation fee is not allowed. The Contract Provider may only cancel the contract for fraud, material misrepresentation or for non payment and issue a pro rata refund if the total Contract price based on the greater of days in force or miles dived compared to the total Contract term. The notice of cancellation must be in writing and comply with 33-24-44 of the Georgia Code. If a refund is not paid or credited within Sixty (60) Days after proof of loss is filed, the Contract Holder may file a claim with the insurance company. The follow section “EXCLUSIONS – WHAT THIS SERVICE CONTRACT DOES NOT COVER “ is amended as follows:

(1) Mechanical failure of any parts covered in this contract if any hi-performance, competition or other non- standard equipment has been installed in described vehicle or if
any engine parts as supplied by vehicle manufacturer have been disconnected or altered to increase performance while owned by you.

(2) Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed or known to you to have existed at the inception date of the coverage provided by this contract (Pre-existing conditions).

(3) The information provided by you or the repair facility cannot be verified as accurate or is found to be inaccurate. This Exclusion does not apply to Georgia residents.



IDAHO

The Contract Holder may cancel the Contract in the event the motorcycle/snowmobile is returned, sold, lost, stolen or destroyed and receive a pro rata refund in accordance with the terms of the Contract. Coverage’s under this motor motorcycle/snowmobile is not guaranteed by the Idaho Insurance Guaranty Association.



ILLINOIS

The Contract Provider may retain a cancellation fee not to exceed the lesser of ten percent (10%) of the Contract price or Fifty Dollars ($50.00).



IOWA

The Contract Holder may contact VSIC, RRG (the Contract Provider) by mail at P.O. Box 1231, Huntsville, AL 35810, or phone 1-800-824-7059, or the Iowa Securities Bureau at 340 Maple Street, Des Moines, Iowa 50319-0066 or phone 1-(515)-281-441.



KENTUCKY

“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 including defects in material and workmanship.



NEBRASKA

ACSC (The Administrator) shall pay on behalf of the Insured all sums which the Insured is legally obligated to pay according the Insured’s contractual obligations under
and in accordance will all the terms of the Service Contracts issued or sold by the Insured.



NEVADA

If no claim has bee made under this Contract, the Contract Holder is entitled to cancel this contract within Twenty (20) Days of the date the Contract was mailed or within Ten (10) Days of delivery if the Contract was delivered at the time of initial sale and receive a full refund of the purchase price. A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Forty Five (45) Days after return of the Contract to the Provider. If the contract is cancelled after Twenty (20) Days the Contract Provider may assess a fee of Fifty dollars ($50.00). Claims paid or pending may not be deducted. The Contract Provider cannot cancel the contract after Seventy (70) Days except for nonpayment of the Contract price or a material misrepresentation related to obtaining this contract or making a claim. The cancellation of the Contract will become effective Fifteen (15) Days after the notice of cancellation is mailed to the Contract Holder. If this Contract is cancelled by the provider a cancellation fee may not be charged.



NEW MEXICO

A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider. The Contract Provider cannot cancel a contract that has been in effect for at least Seventy (70) Days except for: (1) non-payment (2) Conviction of a crime that results in an increase in the service required under the service contract (3) the discovery of fraud or material misrepresentation (4) or discover of either an act or omission by the Holder or a violation by the Holder of any condition of their service contract if it incurred after the effective date of the service contract and substantially and materially increased the service required under the contract. The cancellation of the contract will become effective Fifteen (15) Days after notice of cancellation is mailed to the Contract Holder.



NEW YORK

A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Thirty (30) Days after return of the Contract to the Provider.



NORTH CAROLINA

The Contract Holder may cancel this Contract at any time after purchase and a pro rata refund will be calculated less the applicable cancellation fee in the amount of Fifty dollars ($50.00) or ten percent (10%) of the pro rata refund, whichever is less. A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider.



OKLAHOMA

The section titled How This Contract May Be Cancelled, Including Refunds and Chargers is amended as follows: The Contract Holder may cancel this Contract by contacting the dealership or ACSC at P.O. Box 1231, Huntsville, AL 35805. The Contract Holder may cancel this Contract at any time. In the event of cancellation of the contract within the first 30 days and having no claim authorized or paid, the Contract Holder is entitled to a full refund. If the Contract Holder cancels the contract after 30 days, or has made a claim within the first 30 days, the Contract Holder shall receive 90% of the unearned pro rata contract purchase price less fifty dollars ($50) and claims paid. If the administrator cancels the contract, 100% of the premium will be refunded.

Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association.

Oklahoma does not review commercial service warranty contract language (only personal).


SOUTH CAROLINA

The Contract Holder may cancel or submit a claim on this contract by contacting the Contract Provider. A ten Percent (10%) penalty per month shall be added to a refund not paid or credited within Forty Five (45) Days. If the matter has not been resolved within sixty (60) Days after proof of loss has been submitted, the Contract Holder may contact the South Carolina Department of Insurance, P. O. Box 100105, Columbia, South Carolina 29202. (800) 768-3467.



WEST VIRGINIA

The Contract Holder may cancel this Contract by contacting the dealership or ACSC at 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 service contract and the vehicle mileage on such date. ACSC is primarily liable to provide any refund under this Contract.



WYOMING

If no claim has been made under this Contract, the Contract Holder is entitled to cancel this Contract within Thirty (30) Days of the date of the Contract and receive a full refund. If you financed this Contract Price, the terms of the financing are contained in a separate agreement entered into between You and the Lienholder. The lienholder may not cancel this contract but may be shown as joint payee on any refund issued. If the Contract Provider cancels this Contract, a written notice will be mailed to you at your last known address contained in their records at least Ten (10) Days prior to cancellation. The notice will state the effective date of cancellation and the reason for cancellation. The Provider will not send you an advance notice if the reason for cancellation is nonpayment of the Contract price, a material misrepresentation by the Contract Holder to the Provider or a substantial breach of duties by the Contract Holder relating to the motorcycle/snowmobile or its use. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within Forty Five (45) Days after return of the service contract to the provider.

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.