Since a vehicle service contract comes into play once the original manufacturer warranty expires, a common question people looking for additional protection will ask is whether or not the provider will cover repairs to a car, truck, jeep or SUV for an existing problem. An important question since this could play a big role in the overall cost of acquiring new protection for the vehicle!
A pre-existing condition on any automobile is defined as an unresolved mechanical or electrical problem that the vehicle possesses while not covered by any type of warranty protection. Luckily this does not apply to cosmetic issues with the vehicle, such as chips in the windshield, dents and various other dings. There is a good chance that one if not all of these conditions exist with an older vehicle, but the cost to get a vehicle service contract will not increase as the result of cosmetic issues.
Therefore, the question becomes will the provider of the extended auto warranty cover actual mechanical and electrical issues with a vehicle that already exist before the service is purchased. Unfortunately, the answer is going to be “no” in this case.
A solid, legitimate company will not sell a policy that covers pre-existing conditions on a vehicle. Any provider that states it will cover those repairs is probably one to steer away from and continue shopping other providers. If the issue is something that does not affect the actual running and performance of the vehicle, it is advisable to inform the provider of the issue so extended auto coverage can be created that suits the condition of the vehicle.
The provider will do an inspection of the vehicle, so any effort to hide issues could be costly down the road. If a client purchases a vehicle service contract for a vehicle with pre-existing conditions and the providers finds out, the customer could have his or her coverage cancelled, the provider can legally refuse to pay for any repairs and the possibility of being sued for fraud now exists!
It may cost more initially, but the safer alternative is to fix the issue first out of pocket and then purchase the vehicle service contract. This will prevent possible legal issues from being created due to an effort to be dishonest.