There are some major differences between CERTIFIED and STANDARD plans – the biggest of which is that CERTIFIED programs actually pay out claims. See the table below for more information.
|Repair claims are paid over the phone with a corporate credit card – no reimbursement needed.
|Repair claims are paid out by the vehicle owner and they might get reimbursed for a portion of the repair bill.
|Deductible / Co-Pay
|$100 deductible per visit, not per item.
|$100 / $500 / 50% of repair deductible depending on plan.
|Owner can take vehicle to any licenses mechanic or dealership in the United States.
|Owner will be limited to only participating centers (mechanics who participate in the warranty).
|Will pay out for higher dealer rates as well as use new parts and components when repairing vehicle.
|Cap labor rates and only pay for 3rd party used parts and components when repairing vehicle.
|Backed by A-Rated Insurance companies.
|Not backed by A-Rated Insurance companies.
|Owner will be able to use the warranty while financing it (making monthly payments).
|Owners need to pay off remaining balance on financing before using the warranty.
|These programs actually pay out repair claims, the owner will have a much better car repair experience.
|Owners will have to haggle with administrators to get their repairs paid out, not a good experience for car owners.
The fact is that CERTIFIED programs are much more comprehensive in service-level. It’s a big upgrade from a STANDARD plan, which any vehicle owner can qualify for. But all car owners are looking to have a hassle-free experience when dealing with breakdowns – they will get that with the CERTIFIED warranty!