Vehicle Protection
What's Your Plan for Unexpected Repairs?
Keeping a vehicle longer can make sense for your business. But when a major repair comes up, you still have to decide how to pay for it and keep the work moving.
That decision deserves a closer look when your fleet includes older, higher-mileage or modified vehicles. Auto Advocate helps you evaluate customizable protection around how those vehicles are used and how long you plan to keep them.
Available programs include options for modified vehicles, with eligibility extending up to 999,999 miles and 20 years of age. We help you understand which program fits each vehicle, what it covers and which costs remain your responsibility.
- 999,999
- Miles. Eligibility on available programs extends this far.
- 20 years
- Of vehicle age. Eligibility on available programs extends this far.
Your Vehicles Don't All Have the Same Protection Needs.
A newer vehicle with factory coverage presents a different decision than an older work truck your team still depends on.
Mileage, operating conditions, modifications and replacement plans all affect what makes sense.
Auto Advocate helps you evaluate customizable vehicle service contracts around those differences. We work through coverage, costs and terms so you understand what you are selecting and which expenses remain your responsibility.
The goal is to address the repair risks that matter to your operation at a cost that makes sense.
What Happens When a Major Repair Lands on Your Desk?
The repair estimate may be the first number you see. It may not be the full cost.
Someone has to arrange service, move work to another vehicle and explain the delay.
A driver or crew may be waiting.
Replacement transportation may add another expense.
We help you examine repair history, existing coverage and the interruptions your fleet has experienced.
From there, we can separate the repair expenses a service contract may address from the operational costs you still need to plan for.
Protection can help with covered repairs. Keeping the business moving also requires a practical plan for the time a vehicle spends out of service.
Have a Plan Before Factory Coverage Ends.
A vehicle can still be useful to your business after its factory warranty expires. The question is how you want to handle the repair exposure that follows.
Are you planning to keep it for several more years?
Is its mileage increasing quickly?
Would a major repair change your replacement decision?
We help you review remaining factory coverage, expected ownership, service history and operating needs.
Then we evaluate the available approaches: adding protection, budgeting for repairs or considering replacement.
A vehicle you expect to replace soon may call for a different decision than one you intend to keep working for years.
Build Coverage Around Your Fleet.
Vehicle service contracts help pay for covered mechanical repairs under the terms of the selected contract.
Our programs are customizable. We help you select the coverage and terms around your vehicles, usage, budget and ownership plans.
- 1
Coverage That Fits the Risk
Work through which components you want protected, what the contract includes and what it excludes. Understand deductibles, limits and your responsibilities before making the decision.
- 2
Options for Older and Higher-Mileage Vehicles
Available programs extend eligibility up to 999,999 miles and 20 years of age. An older vehicle or high odometer reading can still be worth a protection review. We help identify the program and coverage available for that specific vehicle.
- 3
Options for Modified Vehicles
Modifications don't automatically put a vehicle outside the conversation. Tell us what has been changed and how the vehicle is used. We help evaluate programs that accommodate modified vehicles and explain how the selected contract treats those modifications.
- 4
Terms That Reflect Your Ownership Plans
Review time-based and mileage-based terms, including unlimited-mile options where available. The term should reflect how quickly your vehicles accumulate miles and how long you expect to keep them.
- 5
A Clear Process for Using the Coverage
Understand where repairs can be performed, how authorization works and what your team needs to do when a problem occurs.
Eligibility and coverage depend on the selected program, vehicle, use and modifications. We explain those details before enrollment.
Does the Protection Make Sense for the Vehicle?
A monthly payment or contract price is only part of the decision.
We help you consider the cost of protection alongside deductibles, coverage limits, expenses outside the contract and your expected ownership period.
That review also includes the vehicle's repair history, downtime and replacement plans.
Protection does not remove every cost of operating a vehicle. It can address selected repair risks while you continue planning for maintenance and interruptions.
If keeping the vehicle makes sense, we help evaluate protection around that plan. If the numbers point toward replacement or setting aside money for repairs, that belongs in the conversation too.
Bring the Details That Help Us Build the Right Approach.
A few pieces of information can make the review more useful.
Your Vehicle List
Include vehicle year, make, model, current mileage and how each vehicle is used.
Existing Coverage
Bring factory warranty information and any current service contracts so we can examine remaining coverage and potential overlap.
Modifications and Operating Conditions
Identify modifications and describe the work your vehicles perform. Those details help us evaluate eligibility and suitable programs.
Service History and Ownership Plans
Recent repair invoices, maintenance records and expected replacement timing help connect the protection decision to your operation.
You don't need every record before contacting us. Start with what you know, and we'll help identify what else would be useful.
Need Help Getting Started?
Talk to a Fleet Advocate.The Auto Advocate is paid when you buy a product discussed on this page. Every one is optional.
Let's Look at What Your Fleet Needs Protected.
Tell us which vehicles you operate, how they are used and what happens when an unexpected repair takes one out of service.
We'll review age, mileage, modifications, existing coverage and ownership plans. Together, we can identify the repair risks that deserve attention.
If protection fits, we'll help you select coverage and terms, explain the costs and work through how your team will use the program.