Who stands behind it

• The product name and the administrator responsible for claims.
• The exact contract that applies to your state and vehicle.

Named-component vs. exclusionary

A named-component (stated) contract covers only the parts it lists. An exclusionary contract covers mechanical breakdown except the parts it lists as excluded. Both are subject to their terms and limits.

Term and mileage

• When coverage starts and whether there is a waiting period.
• Whether the miles are added to today's odometer or end at a fixed odometer reading.
• Which limit — time or miles — ends coverage first.

Deductible and repair locations

• Whether the deductible applies per visit, per repair or per component.
• Which repair facilities you can use.

Exclusions

• Pre-existing conditions and problems present before the start date.
• Wear items and routine maintenance.
• Required maintenance records.
• Modifications and aftermarket parts.

Claims

• Authorization before repair.
• Who pays for diagnosis.
• Whether the shop is paid directly or you are reimbursed.
• Any per-claim or total benefit caps.

Cancellation and transfer

• How cancellation and any refund work.
• Whether the contract transfers to a buyer if you sell the vehicle.
• State-specific provisions.

Summary, estimate and contract are not the same

A marketing summary explains the product in general terms. An estimate prices it for one vehicle. The contract is what actually applies. When they differ, the contract controls. You can request the applicable contract before you choose.