M46640KV (10/20)
Vehicle Service Contract
PURCHASER
Purchaser's Name
Co-Purchaser's Name
Address
City
State Zip Code
Email Address
VEHICLE INFORMATION
Vehicle Identification Number
# Cylinders
Year Make Model
Odometer Reading
4WD/AWDTurbo/Super Charged
Diesel Powered
Check if vehicle is:
SELLER
Name
Address
City
State Zip Code
PAYMENT PLAN PROVIDER
Name
SERVICE CONTRACT INFORMATION
Date of Sale
Purchase Price
Deductible
Plan
Coverage:
Contract Term
Months
Expiration Date:
Your contract will expire on the Expiration Date stated above. The Expiration Date is
determined by adding the months of the Contract Term plus 10 days to the Date of Sale.
ACKNOWLEDGEMENT
The purchase of a service contract is not required in order to purchase, register or obtain financing for any vehicle.
This service contract is not an insurance contract and is not subject to insurance laws.
Your signature below on this contract confirms your acknowledgement that you have reviewed the coverage you selected
to purchase and have read, understand and agree with the contract terms and conditions, what is not covered, how to file a
claim, your vehicle maintenance requirements, any state changes that may apply, and all other contract provisions as
provided.
Further, to the best of your knowledge, your vehicle is free of any defects or mechanical failures on the contract Date of
Sale, and you understand that this contract is subject to a waiting period. Coverage will not be provided for any defects
or mechanical failures that exist on the contract Date of Sale, or if the condition occurs, or is reported during the
contract waiting period.
Telephone Number
Date
Telephone Number
Date
Telephone Number Date
Administrator/Obligor/Provider:
UNIVERSAL UNDERWRITERS SERVICE CORPORATION
UUSC Service Company in California and New York - Vehicle Dealer Solutions Inc. in Florida
7045 College Boulevard, Overland Park, KS 66211
Customer Service (888) 835-5063 - Claims (800) 643-9059
Purchaser's
Signature
Co-Purchaser's
Signature
Seller's Authorized
Representative Signature
Washington Residents: By initialing you acknowledge you have read and understand the following important provisions in this
contract: Term, Coverage, Your Vehicle Maintenance Requirements, Claim Procedure, What Is Not Covered,
Cancellation of Contract and Implied Warranty of Merchantability.
12:01 A.M.
Waiting Period: No coverage will be provided during the first 10 days from the Date of Sale.
(See Definitions Section - Waiting Period)
Limit of Liability: _________ The total of all benefits paid for each repair visit is limited to the
actual cash value of your vehicle at the time of loss. The total of all benefits paid during the
term of this contract shall not exceed the Limit of Liability. (See Other Important Items - Limit of
Liability)
M46640KV (10/20)
Page 2
VEHICLE SERVICE CONTRACT COVERAGE
Definitions
Contract: Your vehicle service contract that is between you and us.
Covered Failure: The failure of a covered part because of a mechanical defect or faulty workmanship by the manufacturer which renders the covered part
incapable of performing the function for which it was designed. It also includes the failure of a covered part due to a gradual reduction in operating performance
as a result of normal wear and tear.
Deductible: The amount to be paid by you per repair visit for a covered failure(s).
Seller: The entity identified as SELLER on the front page of this contract.
Term: Time starts on the contract Date of Sale. The Expiration Date is determined by adding the months of the Term as shown in the SERVICE CONTRACT
INFORMATION section, plus 10 days to the contract Date of Sale. Your contract will expire on Expiration Date shown in the Service Contract Information
section on the front page of this contract.
Vehicle: The vehicle identified in the Vehicle Information section on the front page of this contract.
Waiting Period: This contract is subject to a waiting period of 10 days as shown in the SERVICE CONTRACT INFORMATION section. Coverage starts upon
expiration of the waiting period. Mechanical breakdowns or failures that occur and/or are reported during the waiting period will not be covered under this
contract.
We/Us/Our: The administrator, service contract provider and obligor of this contract is Universal Underwriters Service Corporation, dba: UUSC Service
Company in California and New York, and Vehicle Dealer Solutions, Inc. in Florida.
You/Your: The purchaser of the contract.
Coverage
The coverage that you have selected is shown on the front page of this contract. Coverage applies only to the parts listed under the coverage you selected,
and to related labor, but not if they are covered by insurance or the manufacturer's warranty. If a covered failure occurs, we will repair or replace the covered
part(s), or we will pay an authorized repair facility reasonable and customary charges to do so, not to exceed manufacturer's suggested retail price for covered
parts, and specific labor times published in Motor, Chilton, Mitchell or the manufacturer's warranty labor time standards, subject to the deductible, any
applicable waiting period, and the other provisions of this contract. Reimbursement may be made directly to you for an authorized claim. Replacements will
be made with parts of like kind and quality (including: independently manufactured/distributed parts, original equipment manufacturer parts, non-
original equipment manufacturer parts, re-manufactured parts or used parts at our option).
Powertrain Coverage:
Engine: Gasoline engine: All internally lubricated parts contained within the engine block and cylinder head(s). Plus these non-internally lubricated parts:
Water pump, fuel pump, valve covers, oil pan, dipstick and tube,
timing belt, timing chain/belt cover, engine mounts, flywheel, ring gear, flex plate, harmonic
balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory installed supercharger/turbocharger. Cylinder head, engine block and rotor
housings when damaged as a result of the failure of a covered internally lubricated part. Diesel engine: All of the above parts. Plus diesel fuel injection pump,
fuel injectors, fuel lines.
Transmission: Automatic transmission: All internally lubricated parts contained within the transmission case. Plus these non-internally lubricated parts:
Transmission mount(s), oil pan, dipstick and filler tube, vacuum modulator. Transmission case when damaged as a result of the failure of a covered internally
lubricated part. Manual transmission including automatically shifted manual transmission: All internally lubricated parts contained within the transmission case.
Plus these non-internally lubricated parts: Transmission mount(s) and automatically shifted manual transmission clutch. Transmission case when damaged as
a result of the failure of a covered internally lubricated part.
Transfer Case: All internally lubricated parts contained within the transfer case, Plus these non-internally lubricated parts: Electronic and vacuum
engagement parts, four-wheel drive automatic/semi-automatic and manually operated hub assemblies. Transfer case housing when damaged as a result of
the failure of a covered internally lubricated part.
Drive Axle: All internally lubricated parts contained within the Front and/or Rear Drive Axle Housing. Plus the following parts: Axle shafts, axle bearings,
constant velocity joints and boots, universal joints, center support bearing. Final drive housing when damaged as a result of the failure of a covered internally
lubricated part.
Fluids and filters: Coolant, fluids, lubricants and filters when required in connection with the repair or replacement of a covered part.
Seals and gaskets: Seals and gaskets apply to the covered parts listed. Minor loss of fluid or seepage is considered normal and is not considered a covered
failure.
Powertrain Plus Coverage:
Engine: Gasoline engine: All internally lubricated parts contained within the engine block and cylinder head(s). Plus these non-internally lubricated parts:
Water pump, fuel pump, valve covers, oil pan, dipstick and tube, timing belt, timing chain/belt cover, engine mounts, flywheel, ring gear, flex plate, harmonic
balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory installed supercharger/turbocharger. Cylinder head, engine block and rotor
housings when damaged as a result of the failure of a covered internally lubricated part. Diesel engine: All of the above parts. Plus diesel fuel injection pump,
fuel injectors, fuel lines.
Transmission: Automatic transmission: All internally lubricated parts contained within the transmission case. Plus these non-internally lubricated parts:
Transmission mount(s), oil pan, dipstick and filler tube, vacuum modulator. Transmission case when damaged as a result of the failure of a covered internally
lubricated part. Manual transmission including automatically shifted manual transmission: All internally lubricated parts contained within the transmission case.
Plus these non-internally lubricated parts: Transmission mount(s) and automatically shifted manual transmission clutch. Transmission case when damaged as
a result of the failure of a covered internally lubricated part.
Transfer Case: All internally lubricated parts contained within the transfer case. Plus these non-internally lubricated parts: Electronic and vacuum
engagement parts, four-wheel drive automatic/semi-automatic and manually operated hub assemblies. Transfer case housing when damaged as a result of
the failure of a covered internally lubricated part.
Drive Axle: All internally lubricated parts contained within the Front and/or Rear Drive Axle Housing. Plus the following parts: Axle shafts, axle bearings,
constant velocity joints and boots, universal joints, center support bearing. Final drive housing when damaged as a result of the failure of a covered internally
lubricated part.
Heating and Air Conditioning: Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice.
Electrical: Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory installed power
sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator.
Fluids and filters: Coolant, fluids, lubricants and filters when required in connection with the repair or replacement of a covered part.
Seals and gaskets: Seals and gaskets apply to the covered parts listed. Minor loss of fluid or seepage is considered normal and is not considered a covered
failure.
Standard Coverage:
Engine: Gasoline engine: All internally lubricated parts contained within the engine block and cylinder head(s). Plus these non-internally lubricated parts:
Water pump, fuel pump, valve covers, oil pan, dipstick and tube, timing belt, timing chain/belt cover, engine mounts, flywheel, ring gear, flex plate, harmonic
balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory installed supercharger/turbocharger. Cylinder head, engine block and rotor
housings when damaged as a result of the failure of a covered internally lubricated part. Diesel engine: All of the above parts. Plus diesel fuel injection pump,
fuel injectors, fuel lines.
M46640KV (10/20)
Page 3
Transmission: Automatic transmission: All internally lubricated parts contained within the transmission case. Plus these non-internally lubricated parts:
Transmission mount(s), oil pan, dipstick and filler tube, vacuum modulator. Transmission case when damaged as a result of the failure of a covered internally
lubricated part. Manual transmission including automatically shifted manual transmission: All internally lubricated parts contained within the transmission case.
Plus these non-internally lubricated parts: Transmission mount(s) and automatically shifted manual transmission clutch. Transmission case when damaged as
a result of the failure of a covered internally lubricated part.
Transfer Case: All internally lubricated parts contained within the transfer case, Plus these non-internally lubricated parts: Electronic and vacuum
engagement parts, four wheel drive automatic/semi-automatic and manually operated hub assemblies. Transfer case housing when damaged as a result of the
failure of a covered internally lubricated part.
Drive Axle: All internally lubricated parts contained within the Front and/or Rear Drive Axle Housing. Plus the following parts: Axle shafts, axle bearings,
constant velocity joints and boots, universal joints, center support bearing. Final drive housing when damaged as a result of the failure of a covered internally
lubricated part.
Suspension (Front and Rear): Upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and
lower ball joints, wheel bearings, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and
spindle support, coil springs and leaf springs, electronic level control compressor, sensor and limiter valve.
Steering: Steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link,
steering column shaft, shaft coupling and bearings.
Brakes: Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings,
compensating valve, load distribution valves, backing plates, self-adjusters, parking brake linkage and cables.
Heating and Air Conditioning: Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice.
Electrical: Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory installed power
sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator.
Fluids and filters: Coolant, fluids, lubricants and filters when required in connection with the repair or replacement of a covered part.
Seals and gaskets: Seals and gaskets apply to the covered parts listed. Minor loss of fluid or seepage is considered normal and is not considered a covered
failure.
Preferred Coverage:
Engine: Gasoline engine: All internally lubricated parts contained within the engine block and cylinder head(s). Plus these non-internally lubricated parts:
Water pump, fuel pump, valve covers, oil pan, dipstick and tube, timing belt, timing chain/belt cover, engine mounts, flywheel, ring gear, flex plate, harmonic
balancer, belt tensioner and idler pulley(s), intake and exhaust manifolds. Factory installed supercharger/turbocharger. Cylinder head, engine block and rotor
housings when damaged as a result of the failure
of a covered internally lubricated part. Diesel engine: All of the above parts. Plus diesel fuel injection pump,
fuel injectors, fuel lines.
Transmission: Automatic transmission: All internally lubricated parts contained within the transmission case. Plus these non-internally lubricated parts:
Transmission mount(s), oil pan, dipstick and filler tube, vacuum modulator. Transmission case when damaged as a result of the failure of a covered internally
lubricated part. Manual transmission including automatically shifted manual transmission: All internally lubricated parts contained within the transmission case.
Plus these non-internally lubricated parts: Transmission mount(s) and automatically shifted manual transmission clutch. Transmission case when damaged as
a result of the failure of a covered internally lubricated part.
Transfer Case: All internally lubricated parts contained within the transfer case, Plus these non-internally lubricated parts: Electronic and vacuum
engagement parts, four wheel drive automatic/semi-automatic and manually operated hub assemblies. Transfer case housing when damaged as a result of the
failure of a covered internally lubricated part.
Drive Axle: All internally lubricated parts contained within the Front and/or Rear Drive Axle Housing. Plus the following parts: Axle shafts, axle bearings,
constant velocity joints and boots, universal joints, center support bearing. Final drive housing when damaged as a result of the failure of a covered internally
lubricated part.
Suspension (Front and Rear): Upper and lower control arm(s), upper and lower control arm shafts and bushings, double wishbone assembly, upper and
lower ball joints, wheel bearings, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bars and bushings, stabilizer links, spindle and
spindle support, coil springs and leaf springs, electronic level control compressor, sensor and limiter valve.
Steering: Steering box, rack and pinion assembly, power steering pump, pitman arm, idler arm, radius arm, tie rod adjusting sleeve, tie rods and center link,
steering column shaft, shaft coupling and bearings, power steering pressure and return line(s), power cylinder valves and bearings, adjustable steering
column/tilt wheel mechanism, and four wheel steering system parts.
Brakes: Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings,
compensating valve, load distribution valves, backing plates, self-adjusters, parking brake linkage and cables. ABS System - electronic control unit, anti-lock
computer module, wheel/speed sensor(s) and exciter(s), proportioning valve(s), high pressure hydraulic pump, electro-hydraulic proportioning control valves,
relay(s).
Heating and Air Conditioning: Compressor clutch, coil and pulley, dryer/accumulator, condenser, compressor, evaporator, expansion valve, orifice,
temperature control programmer, blower motor, high-low-cutoff switch(s), pressure cycling switch(s), heater core.
Electrical: Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s) (front and rear), factory installed power
sunroof motor, power window motor/regulator, power seat motor, power mirror motor, power door lock actuator, manually operated switches, convertible top
motor, factory installed clock, wiper motor relay, wiper delay controller, headlight motor, distributor, electronic ignition system, distributor-less ignition system,
computerized timing control unit and sensors, electronic fuel injection components, rear window defogger switch and relay, rear window defogger grid, cruise
control system, horn(s), factory installed power antenna and power antenna relay, power point accessory outlet, wiring harnesses, fuel gauge and sending unit,
analog gauges, electronic instrument cluster, mileage computer, factory installed remote entry system (transmitters not included), factory installed anti-theft
system.
Cooling: Radiator, engine cooling fan and motor, cooling fan clutch, cooling fan relay, coolant temperature sensor.
Interior/Exterior: Hood release cable, trunk release cable and actuator, hood, door and trunk hinges.
Fluids and filters: Coolant, fluids, lubricants and filters when required in connection with the repair or replacement of a covered part.
Seals and gaskets: Seals and gaskets apply to the covered parts listed. Minor loss of fluid or seepage is considered normal and is not considered a covered
failure.
Comprehensive Coverage:
In the event of a covered failure, we will repair or replace all failed parts of your vehicle except those listed under What is Not Covered of this contract.
Additional Program Benefits
Rental Car Reimbursement: In the event of a covered failure under this contract or the manufacturer's warranty, we will reimburse you for the expense
actually incurred for the rental of a substitute vehicle through a licensed rental agency during the repair. Reimbursement shall not exceed $40 per day for a
maximum of 10 days or until your vehicle is repaired, whichever occurs first.
Towing and Emergency Roadside Service: If your vehicle is in need of emergency roadside service, you must call the 24-hour toll free number at
(800) 831-6870 for service. The following benefits are subject to a maximum benefit of $100 per occurrence: towing, jump starts, flat tire changes (using your
inflated spare), delivery of an emergency supply of fuel, oil, fluid or coolant, lockout service (key cutting is not included). Any towing or emergency roadside
service not initiated through the 24-hour toll free number at (800) 831-6870 is limited to a maximum benefit of $50 per occurrence, and valid receipts will be
M46640KV (10/20)
Page 4
required for reimbursement.
Trip Interruption Reimbursement: If a covered failure under this contract or the manufacturer's warranty causes your vehicle to become inoperable and
you are required to remain overnight while repairs are completed more than 100 miles from your home, we will reimburse you for restaurant and hotel/motel
expenses actually incurred during the period repairs are being made. The allowance for meals and lodging is $250 per day for a maximum of three days or the
period of time that it took to repair your vehicle, whichever is less, not to exceed $750 for each covered repair visit. The date of the covered failure is
considered the first day of the three day period. Valid receipts for meals and lodging and a copy of the corresponding repair order will be required for
reimbursement
Vehicle Maintenance Requirements
Maintenance expenses are your responsibility. In order to maintain valid contract coverage, you must have your vehicle checked and serviced in
accordance with the manufacturer's recommendations, as outlined in your vehicle's Owner's Manual. You must retain all copies of verifiable receipts and
repair orders for maintenance services. These copies must indicate customer name, repair order number and date, vehicle identification number, odometer
reading at time of service and a complete description of the service performed including required parts and materials. You may be required to provide
evidence of all maintenance services. Failure to provide proof of services performed may result in denial of coverage.
Claim Procedure / Pre-Authorization
1. Use reasonable means to protect your vehicle from further damage in order to prevent additional expenses, repairs or complete denial of the claim. You
will be responsible to pay any such additional expenses;
2. Take your vehicle to any licensed repair facility. If this is not possible and you need assistance, call us toll free at (800) 643-9059;
3. Authorize any charges necessary to determine the cause of failure including disassembly and diagnostic charges. You will be required to pay the expense
of the disassembly and diagnosis if the failed component is not covered by your contract;
4. Permit an independent inspection before repairs are completed if we request an inspection;
5. Obtain or instruct the repair facility to obtain a repair authorization number from us before any repair is made. A repair authorization can be obtained from
us by calling toll free at (800) 643-9059. Should an emergency occur which requires a covered failure repair be made at a time when our office is closed,
you must call us no later than the next business day to determine if such repair will be covered by the contract. If covered, you will be
eligible for
reimbursement on covered repairs provided you follow all other procedures outlined in this section;
6. Submit or have the repair facility submit to us the invoice/repair order exhibiting the authorized repair has been completed;
7. Pay deductible, if applicable, and any non-covered expenses;
8. We will make payment directly to the repair facility, or to you for the covered and authorized repairs or benefits.
What is Not Covered
1. This contract does not provide coverage for:
A. Any part not specifically listed as covered under the coverage you selected, including but not limited to any of the following
parts: Glass, lenses, sealed beams, light bulbs, wheels, wheel covers, tires, interior trim, moldings, bright metal parts, sheet
metal, flexible body parts, weather strips, upholstery, convertible and/or vinyl top, paint, catalytic converter, exhaust system,
brake rotors and drums, wiper blades, coolant hoses, shock absorbers, all batteries including hybrid batteries, throttle body
assembly, spark/glow plugs, drive belts, brake pads, brake linings and shoes, manual clutch disc (automatically shifted
manual transmission clutches are covered);
B. Repairs of water and air leaks, rattles, squeaks and wind noise; alignment of body parts, bumpers and glass;
C. The normal maintenance services and parts required or recommended by your vehicle manufacturer and other normal
maintenance services and parts which include, but are not limited to: engine tune up, suspension alignment and wheel
balancing. Filters, lubricants, engine coolant, fluids and refrigerants will only be covered in connection with the repair of a
covered failure;
D. Repairs or replacements covered by any insurance policy, repairer's/supplier's guarantee, service contract or manufacturer's
or seller's warranty, even if coverage is revoked or denied for any reason, including manufacturer insolvency;
E. Repairs, replacements or alterations made without prior authorization or without following the required claim procedure;
F. Repair or replacement of any part due to a condition that existed prior to the purchase of your contract, or if the condition
occurs or is reported during the contract waiting period;
G. A covered failure which does not occur during or is not reported to us within the term of your contract unless expiration of
contract falls on a holiday or weekend, then the next business day will be acceptable;
H. Repairs if the odometer has ceased to operate and odometer repairs have not been made as soon as reasonably possible, or
the odometer has been altered, tampered with, disconnected, or in any way misrepresents the vehicle's actual mileage after
you purchased your vehicle;
I. Repairs or replacements of any parts or components that do not meet original manufacturer's specifications as installed at
the time of original vehicle assembly;
J. Any part(s) which has not sustained a covered failure, but which a repair facility recommends or requires be repaired or
replaced in connection with the repair or replacement of a covered part(s). This includes any expense due to engineering
upgrades or for repairs made solely to meet or maintain governmental emission standards;
K. Storage charges, shop supplies, hazardous waste disposal fees, freight and/or delivery charges;
L. Economic loss, including loss of time, inconvenience, or other incidental loss or damage that may result from a covered
failure, except as may otherwise be provided as a benefit in this contract;
M. Consequential loss or damage that is the result of a covered failure;
N. Repairs or replacements made outside of the United States, United States territories and possessions or Canada;
O. Diagnostic charges, cost of disassembly or cost of assembly if your repair is not covered or has been denied.
2. This contract does not provide coverage if your vehicle:
A. Is equipped to plow snow, whether or not the plow blade is attached to your vehicle;
B. Is used for commercial hauling, delivery, limousine service, ride share or transportation network (e.g. Uber, Lyft);
C. Is used for hauling or towing in excess of the manufacturer's limitations and specifications;
D. Is used for rental, racing, speed contest or other competition, police car, security vehicle, emergency vehicle, shuttle service,
taxi or commercial towing;
E. Has been declared a total loss or has been issued a salvage or branded title.
3. This contract does not provide coverage for damages caused by:
M46640KV (10/20)
Page 5
A. Collision or impact, fire, theft or attempted theft, freezing, vandalism, malicious mischief, riot, civil commotion, explosion,
lightning, water, flood, falling missiles or objects, or contributed to by foreign objects and/or the use of contaminated fuels,
fluids, lubricants or refrigerants, and the resultant rust, corrosion or consequential damage, sludge or restricted oil flow;
B. Misuse, alteration, abuse, negligence, or lack of proper maintenance or breakdowns caused by improper servicing or
improper repairs, insufficient coolants or lubricants, rust and/or corrosion;
C. A non-covered part;
D. The direct result of aftermarket modifications made after you purchased your vehicle which does not meet factory
specifications;
E. Ingestion of water through the air intake system commonly referred to as water ingestion;
F. A power surge or the failure to follow proper charging procedures or use of incompatible charging devices for your plug in
hybrid/electric vehicle.
Renewal of Coverage
You may have the option to purchase additional coverage at the expiration of this contract. We will notify you if your vehicle is eligible. In order to remain
eligible, you must accept the coverage prior to the expiration of this contract. The new contact will be provided at the then available coverage and rate based
on your vehicle's age and odometer reading at that time. This is not a guarantee of future coverage.
Cancellation of Contract
1. You may cancel your contract by providing written notice of cancellation to the seller or us. Your signed cancellation notice must specify your vehicle
identification number (VIN), the reason for cancellation, effective date of cancellation and odometer reading on the cancellation effective date. The
cancellation effective date may not be more than 30 days prior to the receipt of the cancellation notice.
2. We may cancel your contract for fraud, material misrepresentations or for non-payment of any portion of the contract Purchase Price. We will mail a
written notice to you at your last known address contained in our records at least five days prior to cancellation by us. The notice shall state the effective
date of the cancellation and the reason for cancellation. Prior notice is not required if the reason for cancellation is non-payment of the contract Purchase
Price.
3. If this contract was paid in full by you and is canceled within the first 30 days and you have not incurred a claim, we will refund the contract Purchase
Price, or if the contract is paid for on a payment plan, we will refund any amount paid by you toward the contract Purchase Price.
If this contract was paid in full by you and is canceled after the first 30 days or you have incurred a claim, we will refund the unearned contract Purchase
Price, calculated pro-rata based on the days remaining of the contract term. If this contract is canceled before you have made all the payments under
the contract, you may be entitled to a partial refund provided that the amount paid by you toward the contract Purchase Price exceeds the pro-rata
amount earned by us under this contract.
If your contract is canceled, no cancellation fee will apply. If canceled, your contract may not be repurchased or coverage reinstated on your vehicle.
Important Items
Addresses and Phone Numbers: You may contact us with questions, to submit a cancellation notice or for help in filing a claim:
Customer Service - PO Box 7922, Shawnee Mission, KS 66207, (888) 835-5063, usu.fi.customer.service@zurichna.com
Claims - PO Box 7943, Shawnee Mission, KS 66207, (800) 643-9059.
Insurance Company Obligation: This contract is insured under a service contract reimbursement insurance policy issued by Universal Underwriters
Insurance Company, 7045 College Boulevard, Overland Park, KS 66211, (800) 515-5988. In the event your claim is not paid or the requested
performance is not made within 60 days, you may file a claim directly with Universal Underwriters Insurance Company. In the event your cancellation
refund is not paid within 60 days, you may submit the cancellation refund request directly to Universal Underwriters Insurance Company. In the event we
become insolvent or financially impaired, you may file a claim or submit a cancellation request directly with Universal Underwriters Insurance Company.
Limit of Liability: The total of all benefits paid or payable for each repair visit is limited to the actual cash value of your vehicle not considering loss of value
due to a covered failure, less deductible, if applicable. Actual cash value is determined by Kelley Blue Book®, National Auto Dealer Association Guide
or other nationally recognized source, based upon region. The total of all benefits paid or payable during the term of this contract shall not exceed the
Limit of Liability amount shown in the SERVICE CONTRACT INFORMATION section. In the event the total of all benefits paid or payable during the
contract term reaches the Limit of Liability, the contract term expires and no refund will be available.
Subrogation: In the event coverage is provided under this contract, we shall be subrogated to the rights you may have to recover against any person or
organization arising out of any safety defect or mechanical breakdown, as well as out of any order, judgment, consent decree or other settlement; and
you shall execute and deliver instruments and papers and do whatever is necessary to secure such rights. You shall do nothing to prejudice those rights.
Further, after you have been fully indemnified for any loss sustained under the terms of this contract, all amounts recovered by you for which you have
received benefits under this contract shall belong to, and be paid to us up to the amount of benefits paid under this contract.
Terms of Contract Conformed to Statute: Terms of this contract which are in conflict with the statutes of the state in which this contract was signed are
hereby amended to conform to the minimum standards of those statutes.
Transfer of Contract: This contract is not transferable to another vehicle or purchaser if you sell your vehicle.
State Changes
The following State Changes apply to your contract:
Alabama:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Arizona:
What is Not Covered item 1. F. is replaced with: F. Repair or replacement of any part due to a condition that existed prior to the purchase of your
contract unless such conditions were known or reasonably known by the seller of the service contract;
What is Not Covered item 3. B. is replaced with: B. Misuse, alteration, abuse, negligence, or lack of proper maintenance or breakdowns caused by
improper servicing or improper repairs, insufficient coolants or lubricants, rust and/or corrosion, while owned by You;
Colorado:
This contract is insured by Universal Underwriters Insurance Company by policy number 18-1 issued to Universal Underwriters Service Corporation.
Connecticut:
Term the following statement is added: If you incur a covered failure prior to the expiration of your contract and if the contract is for less than 12 months,
the contract will be extended while your vehicle is being repaired.
Cancellation of Contract item 3., the following is added: You have the right to cancel your contract if you return the vehicle or if the vehicle is sold, lost,
M46640KV (10/20)
Page 6
stolen or destroyed.
Important Items the following is added: Resolution of Disputes: Every reasonable effort will be made to resolve disputes over the terms of this contract. In
the event that we cannot reach agreement, you may file a formal written complaint with the Consumer Affairs Division of the Insurance Department. The
complaint shall contain a short and plain description of the nature of the dispute, including a description of any attempts made to resolve the dispute and the
results of such attempts. Your complaint must state the purchase or lease price of the covered vehicle, the cost of repair of the item and include a copy of
your contract. The complaint shall be mailed to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, ATTN: Consumer
Affairs.
District of Columbia:
Cancellation of Contract item 2., is replaced with: We may only cancel your contract for fraud, material misrepresentations, substantial breach of duties by
you relating to the vehicle or its use, or for non-payment of the contract Purchase Price. We will mail a written notice to you at your last known address
contained in our records at least 5 days prior to the effective date of cancellation by us. The notice shall state the effective date of the cancellation and the
reason for cancellation. Prior notice is not required if the reason for cancellation is non-payment of the contract Purchase Price, a material misrepresentation
by you to us, or a substantial breach of duties by you relating to the vehicle or its use.
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Florida:
We/Us/Our refers to Vehicle Dealer Solutions, Inc., license number 60132.
Cancellation of Contract item 3., is replaced with the following: If this contract was paid in full by you and is canceled within the first 60 days and you have
not incurred a claim, we will refund the contract Purchase Price, or if the contract is paid for on a payment plan, we will refund any amount paid by you
toward the contract Purchase Price.
If this contract was paid in full by you and is canceled after the first sixty days or you have incurred a claim, we will refund the unearned contract Purchase
Price, calculated pro-rata based on the days remaining of the contract term. If this contract is canceled before you have made all the payments under the
contract, you may be entitled to a partial refund provided that
the amount paid by you toward the contract Purchase Price exceeds the pro-rata amount
earned by us under this contract.
If your contract is canceled, no cancellation fee will apply. If canceled, your contract may not be repurchased or coverage reinstated on your vehicle.
Notice to Consumer: DISCLOSURE: The rate charged for this contract is not subject to the regulation by the Office of
Insurance Regulation of the Financial Services Commission of the State of Florida.
Georgia:
Cancellation of Contract item 2., is replaced with: We may cancel your contract for fraud, material misrepresentations or for non-payment of any portion the
contract charge. If your contract is canceled within 30 days of purchase date or for non-payment, you will receive a written notice 10 days in advance of the
cancellation. If your contract is canceled more than 30 days after purchase date or for fraud or material misrepresentations, you will receive a written notice
30 days in advance of the cancellation. The notice shall state the effective date of the cancellation and the reason for cancellation.
What is Not Covered item 1. E. is replaced with: E. Repairs, replacements or alterations made by you or with your knowledge without prior
authorization or without following the required claim procedure;
What is Not Covered item 1. F. is replaced with: F. Repair or replacement of any part due to a condition that existed prior to the purchase of your
contract that was known to you;
What is Not Covered item 3. A. is replaced with: A. Collision or impact, fire, theft or attempted theft, freezing, vandalism, malicious mischief, riot, civil
commotion, explosion, lightning, water, flood, falling missiles or objects, or contributed to by foreign objects and/or the use of contaminated fuels,
fluids, lubricants or refrigerants, and the resultant rust, corrosion or consequential damage, or restricted oil flow;
Hawaii:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Idaho:
Important Items the following has been added: Coverage afforded under this contract is not guaranteed by the Idaho Guaranty Association.
Indiana:
Important Items the following is added: Proof of payment for this contract to us constitutes proof of payment to Universal Underwriters Insurance Company
for this contract.
Iowa:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 30 days after
notice of cancellation is received by us.
Important Items the following is added: Your signature in the Acknowledgement section on the front page of this contract is confirmation that you
understand, acknowledge and authorize that repairs of covered mechanical failures can be made with parts of like kind and quality (including independently
manufactured/distributed parts, original equipment manufacturer parts, non-original equipment manufacturer parts, re-manufactured parts or used
parts at our option), as previously stated in the Coverage section of this contract.
FOR IOWA RESIDENTS ONLY: Should you have questions or problems with this contract, you may contact the Iowa Insurance Division, "Attention:
Commissioner of Insurance" 1963 Bell Avenue, Suite 100, Des Moines, Iowa 50315-1000.
Kansas:
Important Items the following is added: Towing and Emergency Roadside Service benefits are provided by Brickell Financial Services Motor Club, Inc. dba
Road America Motor Club.
Louisiana:
Emergency Roadside Service is amended to read as follows: Emergency Roadside Service Towing: If your vehicle is in need of non-accident related
emergency roadside service towing where failure is due to a covered component, you must call the 24-hour toll free number at (800) 831-6870 for service. The
maximum benefit of this benefit is $100 per occurrence. Any emergency roadside service towing not initiated through the 24-hour toll free number at
(800) 831-6870 is limited to a maximum benefit of $50 per occurrence; valid receipts will be required for reimbursement.
Cancellation of Contract item 2., is replaced with the following: If we cancel your contract for any reason other than non-payment of contract Purchase
Price, a material misrepresentation by you to us, or a substantial breach of duties by you relating to your vehicle or its use, the we will mail a written notice to
you at your last known address contained in our records at least 15 days prior to cancellation by us. The notice shall state the effective date of the
cancellation and the reason for the cancellation.
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Important Items the following is added: This contract is not an insurance contract. This motor vehicle service contact is not regulated by the Department of
M46640KV (10/20)
Page 7
Insurance. Any concerns or complaints regarding the motor vehicle service contract may be directed to the Louisiana Attorney General.
Maine:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Maryland:
Term the following statement is added: If the Provider fails to perform its duties under this contract, the Contract Term shall be extended for the period until
performance has been satisfactorily completed in accordance with the terms of this contract.
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Important Items is amended to include the following: In the event of a dispute with the Provider/Obligor of this contract, you may contact the Provider/
Obligor directly for a reasonable opportunity to informally settle the dispute per Maryland Commercial Law Article 14-407(a)(2).
Massachusetts:
Important Items the following is added: NOTICE TO CUSTOMER: THE COVERAGE YOU ARE BUYING IS NOT REQUIRED IN ORDER TO REGISTER OR
FINANCE A VEHICLE. THE BENEFITS PROVIDED MAY DUPLICATE EXPRESS MANUFACTURER'S OR SELLER'S WARRANTIES THAT COME
AUTOMATICALLY WITH EVERY SALE. YOU CAN BE REQUIRED BY THE SELLER OF THIS COVERAGE TO PURSUE THOSE WARRANTIES THAT
ARE AVAILABLE TO YOU WITHOUT THIS CONTRACT.
Minnesota:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Important Items the following is added: IMPORTANT: If a separate express warranty is provided to you by the dealer for no charge as required by Minnesota
Statute 325. F.662, Sale of Used Motor Vehicles; some of the coverages under this service contract may not apply until the express warranty expires. See
the express warranty and/or Minnesota Statute 325. F.662 for specific terms and conditions.
Mississippi:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
the return of the contract to us.
Important Items the following is added: This product is provided by an individual member company of Zurich in North America; it is not provided or sponsored
by the manufacturer or distributor.
Missouri:
Cancellation of Contract item 3., A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after notice of cancellation is
received by us. If you cancel this contract, we will provide written confirmation notice within 45 days of the date of cancellation.
Nevada:
Definitions, Waiting Period is replaced with: WAITING PERIOD: THIS CONTRACT IS SUBJECT TO A WAITING PERIOD OF 10 DAYS AS SHOWN IN
THE SERVICE CONTRACT INFORMATION SECTION. COVERAGE STARTS UPON EXPIRATION OF THE WAITING PERIOD. MECHANICAL
BREAKDOWNS OR FAILURES THAT OCCUR OR ARE REPORTED DURING THE WAITING PERIOD WILL NOT BE COVERED UNDER THIS
CONTRACT.
Coverage the following is added: This contract provides coverage that is in excess over other applicable coverage by any insurance policy, repairer's/
supplier's guarantee, service contract or manufacturer's or seller's warranty.
What is Not Covered, 1. D. is deleted.
Cancellation of Contract item 3., the following is added: A 10% penalty per each 30 day period or portion thereof shall be added to a refund that is not paid or
credited within 45 days after notice of cancellation is received by us.
Important Information: If you are not satisfied with the manner in which the provider is handling the claim on your contract, you may contact the
Commissioner at the Division of Insurance's toll-free telephone number: (888) 872-3234.
New Hampshire:
Important Items the following is added: In the event you do not receive satisfaction under this contract, you may contact the New Hampshire Insurance
Department, 21 S Fruit Street, Suite 14, Concord, NH 03301, phone (603) 271-1406.
New Jersey:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
New Mexico:
Cancellation of Contract item 3., the following is added: A 10% penalty per each 30 day period or portion thereof shall be added to a refund that is not paid or
credited within 60 days after notice of cancellation is received by us.
Important Items the following is added: The final contract Purchase Price will be determined prior to presentation to consumer for signature.
Important Items / Insurance Company Obligations. is replaced with:
This service contract is insured by Universal Underwriters Insurance Company. If the service contract provider fails to pay you or otherwise provide you
with the covered service within 60 days of your submission of a valid claim, you may submit your claim to Universal Underwriters Insurance Company at
(800) 515-5988, 7045 College Boulevard, Overland Park, KS 66211.
If you have any concerns regarding the handling of your claim, you may contact the Office of Superintendent of Insurance at 1-855-427-5674.
New York:
We/Us/Our refers to UUSC Service Company.
Cancellation of Contract the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 30 days after notice of
cancellation is received by us.
Oklahoma:
Definitions, We/Us/Our the following is added: Oklahoma license number is 44197997.
Important Items the following is added: Disclosure Statement: This service warranty is not issued by the manufacturer or wholesale company marketing the
product. This warranty will not be honored by such manufacturer or wholesale company.
Important Items the following is added: This is not an insurance contract. Coverage afforded under this contract is not guaranteed by the Oklahoma
Insurance Guaranty Association. Oklahoma service warranty statutes do not apply to commercial use references in service warranty contracts.
Important Items the following is added: Towing and Emergency Roadside Service benefits are provided by Safe Driver Motor Club, Inc., 333 City Boulevard
W. 17
th
Floor, Orange, CA, 92868, (877) 723-3915.
M46640KV (10/20)
Page 8
Oregon:
Cancellation of Contract the following is added: The seller from whom this contract was purchased is responsible for your refund.
South Carolina:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Important Items the following is added: In the event of a dispute with the provider of this contract, you may contact the South Carolina Department of
Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or by phone at (800) 768-3467.
Texas:
Definitions, We/Us/Our is replaced with: Universal Underwriters Service Corporation, the provider, obligor, and administrator of this contract. License
number 111.
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Important Items, Insurance Company Obligation the following is added: You may apply for reimbursement directly to the insurer, Universal Underwriters
Insurance Company, if a refund or credit is not paid before the 46th day after the date on which the contract was returned. To contact Universal Underwriters
Insurance Company, you may write to 7045 College Boulevard, Overland Park, Kansas 66211 or call toll free to (888) 835-5063.
Important Items the following is added: Other Information: All unresolved complaints concerning Us or questions concerning the regulation of service
contract providers and administrators may be addressed to the Texas Department of Licensing and Regulation, P. O. Box 12157, Austin, TX 78711,
(800) 803-9202.
Utah:
ACKNOWLEDGEMENT section, the first sentence is replaced with: Purchase of this product is optional and is not required in order to finance, lease, or
purchase a motor vehicle.
Claim Procedure / Pre-Authorization, the following is added: Your failure to notify us as required by the contract within the time specified does not
invalidate your claim if you show us that it was not reasonably possible to notify us within the prescribed time and that notice was given to us as soon as
reasonably possible.
Cancellation of Contract item 2.,is replaced with: We may cancel your contract at any time if contract Purchase Price is not paid when due by giving 10
days written notice. If your contract has been in effect for less than 60 days, we may cancel by giving 10 days written notice. If your contract has been in
effect for 60 days or more, we
may cancel only for one or more of the following reasons: The contract was obtained through material misrepresentation; there
has been a substantial change in the risks assumed, unless we should have foreseen the change or contemplated the risk when entering into the contract;
you have committed substantial breaches of your contractual duties, conditions or warranties. We will mail a written notice to you at your last known address
contained in our records at least 30 days prior to cancellation by us. The notice shall state the effective date of the cancellation and the reason for cancellation.
Important Items the following is added: Coverage afforded under this contract is not guaranteed by the Property and Casualty Guaranty Association. This
contract is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.
Virginia:
Important Information: If any promise made in the contract has been denied or has not been honored within 60 days after your request, you may contact
the Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs at www.vdacs.virginia.gov/food-extended-
service-contract-providers.shtml to file a complaint.
Washington:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 30 days after
notice of cancellation is received by us.
Important Items, Insurance Company Obligation the following is added: The service contract reimbursement insurance policy number is 64-2.
Important Items the following is added: Civil Actions: The State of Washington is the jurisdiction of any civil action in connection with this contract.
Important Items the following is added: Implied Warranty of Merchantability: The Implied Warranty of Merchantability on the motor vehicle is not
waived if this contract has been purchased within ninety (90) days of the purchase date of the motor vehicle from the service contract seller/
dealership who also sold the motor vehicle covered by this contract.
Important Items the following is added: Service of Suit: We by law must designate the Commissioner of Insurance as the registered agent for service of
process against us for any action, suit or proceedings within the State of Washington.
Important Items the following is added: You shall be notified within 60 days of the contract date of sale if your vehicle is ineligible for the coverage selected
and the contract has been rescinded. In that case, a full refund of the contract Purchase Price will be made. A valid claim occurring prior to a determination of
ineligibility will be processed according to the provisions of this contract.
Wisconsin:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.
Cancellation of Contract the following is added: In the event your vehicle is declared a total loss, you may cancel this contract and receive a pro rata
refund of any amount you have paid of the contract Purchase Price.
Important Items, Subrogation the following is added: We acknowledge that you must be fully indemnified prior to us making any recovery pursuant to these
subrogation provisions.
Important Items the following is added: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF
INSURANCE.
Wyoming:
Cancellation of Contract item 3., the following is added: A 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after
notice of cancellation is received by us.