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.
|CERTIFIED Programs||STANDARD Plans|
|Repair Claims||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.|
|Participation Centers||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).|
|Dealership Rates||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.|
|Insurance Companies||Backed by A-Rated Insurance companies.||Not backed by A-Rated Insurance companies.|
|Financing||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.|
|Bottom Line?||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!