We all know CarShield and all the ones you see the celebrities doing commercials for try their hardest to not pay out for one reason or another, so-and-so is not covered due to some technicality, or thru blame you for the problem by saying it overheated because you didn’t do so-and-so, etc.
So on that point, are there any actual car repair policies that are more-or-less legit, or better at the very least snd will actually fix your car if a big unexpected repair comes out of the blue?
It seems that these legalized extortion plans always find a way to deny a claim. Unless you read the contract with a magnifying glass and understand and agree to it, I wouldn't bother.
No.
I've never heard of one. A personal savings account removes the need for one of those policies. Save a little money every month by not wasting it on something like snacks at work or sodas. You'd be surprised how much money people spend on junk, without realizing it. $2.29 on soda or an energy drink adds up quickly.
I'm also the type of person who will "figure it out, myself". It drives me nuts when other people work on my cars. Things are done improperly, minor detail parts go missing... Things are way cheaper to fix when you do it yourself. You learn something and that feeling of success is awesome, especially if you've never done it before. I was going to tackle my '79 Catalina's rear main seal, but I don't have an engine lift, so I trusted our garage to do it. It took them almost a month to figure it out. I had to show the mechanics how to put the seal in with a video.
I wish I could and would be very open to it but I have no garage so I’m SOL.
Not really, and you wouldn’t really want one. Repairs are predictable, frequent, and never cost more than the value of the car (unlike collision liability, which can easily reach multiple 6-figures if there are serious injuries). So it would be more like a payment plan than true insurance.
So given that, you are better off like @justin-shepherd says and put the equivalent $ into savings. Then if you have an unusually large repair that exceeds your reserve, find a shop that will let you set up an actual payment plan.
No matter how you do it, you are the one who is paying for the repairs. No reason to give a third party a piece of your money.
@justin-shepherd
I live in Chicago, and with no garage that means street parking. Cops here are jerks snd will ticket you if they see you doing repairs with your car jacked up in the street. I was thinking an Autozone parking lot though. I used to work there snd people would put on their own rotors or pads or calipers all the time snd no one ever said anything.
Possibly; I needed a newer car. Mine was approaching it’s 15th birthday. I wasted so much time traveling long distances to vehicles that weren’t what they were advertised!
1. Car’s nearly touching ground; owner ‘unaware’ except replacement air shock's in back seat!!
2. Car again killing ants, owner confesses picture in post several years old! (Plus ‘other’ deficiencies ‘forgot’ mentioning!)
3. Travelled 150 miles, car ‘just started’ leaking air so needs fixing ASAP. Claimed dealer would fix @ cut rate.
Those are just a few. Which convinced me to shop Carvana. YES! Their prices are HIGH! No doubt about it, but my town is rural so the minimum travel to a big city is 200 miles! So I overpaid for delivery and the warranty.
I had no real issues. The car was as immaculate as they claim. Windshield washer tube broke near 100 day warranty’s end. SilverRock was the provider. I told them no network (tire service shop) in my area. They said; ‘No problem! Go ANYWHERE I want & they’ll pay over the phone by credit card when ready! No forms, claims, reimbursements or even waiting.
I do not know WHO they partner with (Besides Carvana) but maybe with enough interest (From US!) they could offer services direct.
