Flex Protect

The following information reflects the most recent version of our Service Contracts. Coverage under your specific contract may vary. See your Service Contract for specific coverage details.

For additional information on applying for a CARS Protection Plus service contract speak to your dealer or call 888-335-6838. See your local dealer for details, pricing and availability.

  1. SCHEDULE OF COVERAGE:
    1. LEVEL 1: Coverage under this Service Contract when selecting the LEVEL 1 coverage includes only the components listed in this section:
      1. ENGINE: Cylinder heads; intake manifold; pistons; piston rings; wrist pins; connecting rods and bearings; crankshaft and bearings; camshaft and bearings; timing chain; timing belt; timing guides; timing chain tensioner; timing belt tensioner; timing gears; valve covers; rocker arms/shafts and bushings; intake/exhaust valves and valve springs, seats, guides, push rods and hydraulic lifters; oil pump; and oil pan. Lubricated parts contained within the engine block. Engine block only if damaged bya covered component internal to the engine block.
        EXAMPLES OF NOT COVERED:fuel injectors, turbo chargers, twin turbo chargers, supercharger, oil cooler and valve seals.
      2. AUTOMATIC TRANSMISSION/TRANSFER CASE: Torque converter; bands; pump; pump housing; carrier assembly; planetary gears; chain; drums; reaction shaft; governor; valve body; and servo assemblies. Lubricated parts contained within the transmission or transfer case housing. Transmission/transfer case only if damaged by a covered component internal to the transmission/transfer case housing.
        EXAMPLES OF NOT COVERED: transmission solenoids, TCM reprogramming,mechatronics unit and conductor plate.
      3. MANUAL TRANSMISSION/TRANSFER CASE: Main shaft; counter shaft; all gears; chain; input shaft; hub assemblies; synchronizers; shift rails; shift fork; and internal transmission bearings. Lubricated parts contained within the transmission or transfer case housing. Transmission/transfer case only if damaged by a covered component internal to the transmission/transfer case housing.
        EXAMPLES OF NOT COVERED: manual clutch and related components.
      4. DRIVE AXLE ASSEMBLY: Lubricated parts contained within the front and rear drive axle housing; pinion bearings; wheel bearings; side carrier bearings; ring and pinion; side gears; spider gears and case; drive shaft; universal joints; constant velocity joints; and 4x4 hubs. Front or rear drive axle housing only if damaged by a lubricated part contained within the drive axle housing.
      5. SEALS & GASKETS: Seals and gaskets are covered only when required in conjunction with the replacement of a covered component. Additionally, cylinder head gaskets are covered only for combustion and coolant leaks. Intake manifold gaskets are covered only for coolant leaks.
        EXAMPLES OF NOT COVERED: oil leaks, vacuum leaks and valve seals.
      6. LABOR & DIAGNOSTICS: The authorized time for a covered repair will be based on the Mitchell ProDemand labor guide. The hourly labor rate assistance will be the repair facility’s rate up to $75.00 per hour. Should Your repair facility’s rate exceed this amount, You are responsible for the difference. If tear-down/diagnostic is requested by CARS, then CARS shall reimburse up to one hour of tear-down/diagnostic based on Your stated labor rate.
        EXAMPLES OF NOT COVERED: teardown and diagnosis for a non-covered repair.
      7. RENTAL BENEFITS: You will be reimbursed $35.00 for each six hours of Mitchell ProDemand labor guide time to repair or replace the covered component with a maximum benefit of $250.00 per claim, if proof of rental is provided with an authorized claim. Downtime, regardless of reason, is not included.
      8. TOWING: CARS will reimburse up to a maximum of $50.00, if proof of towing is provided with an authorized claim.
    2. LEVEL 2: Includes all parts listed in LEVEL 1 plus the following components listed in this section:
      1. ENHANCED ENGINE: Factory installed turbo charger. Additionally, if Your vehicle has been classed under EXTRA ELIGIBILITY, then Your factory installed twin turbo and/or supercharger is covered.
      2. SUSPENSION: Ball joints; leaf, air and coil springs only if broken.
      3. STEERING COMPONENTS: Power steering pump/motor; gear box; rack and pinion; and high-pressure lines. Steering box, rack and pump housing only if damaged by a lubricated part internal to that component.
      4. BRAKE COMPONENTS: Master cylinder; wheel cylinders; calipers; ABS hydraulic components; ABS wheel speed sensors; and ABS control module.
        EXAMPLES OF NOT COVERED: drums, rotors, pads, linings, hoses, lines and wiring.
      5. ENGINE COOLING SYSTEM: Electric cooling fan motor; water pump; fan clutch; and thermostat.
      6. ELECTRICAL COMPONENTS: Starter motor; alternator; and front and rear window wiper motor.
    3. LEVEL 3: Includes all parts listed in LEVEL 1 and 2 plus the following components listed in this section:
      1. ENHANCED ENGINE: Serpentine belt tensioner; fly wheel; oxygen sensor; EGR valve; crank sensor; cam sensor; fuel pump; fuel injectors; harmonic balancer; lift pump; and transfer pump.
      2. ENHANCED AUTOMATIC TRANSMISSION/TRANSFER CASE: Transmissioncooler; mechatronics unit; conductor plate; TCM reprogramming/re-flash up to $125.00 per authorized claim.
      3. AIR CONDITIONING & REFRIGERANT: Compressor; clutch; condenser; accumulator; and evaporator. Refrigerant is only covered with a covered repair.
        EXAMPLES OF NOT COVERED: labor to recharge, evacuate and flush the system.
      4. ENHANCED ENGINE COOLING SYSTEM: Radiator; heater core; and recovery tank.
      5. ENHANCED ELECTRICAL COMPONENTS: Distributor; ignition coils; power window motors/regulators/switches; power seat motors; and power door lock actuators/switches.
      6. FLUIDS: All fluids, including but not limited to: engine oil; engine coolant; transmission fluid; brake fluid; and power steering fluid, are covered only when required in conjunction with a covered component.
      7. 24-HOUR ROADSIDE ASSISTANCE: This replaces the TOWING benefit. Roadside assistance provides: towing; battery service; jump start; flat-tire; fuel, oil and water delivery; and lockout assistance. Coverage is provided up to $50.00 per occurrence to the covered vehicle only. To utilize this service, You MUST call roadside assistance at 800-418-9836.
    4. LEVEL 4: If You have selected LEVEL 4 coverage, this Service Contract will cover ALL of Your vehicle’s original factory-equipped mechanical and electrical parts, except those excluded by the TERMS AND CONDITIONS and the following EXCLUSIONS:
      1. UNDER THE HOOD: Seals and Gaskets other than those covered when required in conjunction with the replacement of a covered component; Manual Transmission Clutch Assembly; Friction Clutch Disc and Pressure Plate; Throw Out Bearing; Slave Cylinder; Manual and Hydraulic Linkages; Exhaust Manifold; Batteries.
      2. UNDER THE VEHICLE: Brake Rotors and Drums; Catalytic Converter; Exhaust Pipe; Mufflers; Tail Pipes; Resonators; Frame and Structural Body Parts; Tires, Valve Stems and Wheels/Rims.
      3. VEHICLE EXTERIOR: Glass; Windows; Mirrors; Windshields (including any embedded electrical elements); T-Top; Targa Top; Convertible Top; Lighting System Components (including Lenses, Sealed Beams, LED, Xenon, Laser Lighting Systems, and related control systems); Exterior Air/Water Leaks and Noise; Weather Strips; Body Panels; Trims; Moldings; Paint; Bumpers; Body Sheet Metal and Panels.
      4. VEHICLE INTERIOR: Safety Restraint Systems (including Air Bags, Sensors, Actuators, Seatbelts, Tensioners); Mirrors; Upholstery; Headliner; and Carpet.
      5. OTHER/MAINTENANCE: Self-Park Assist Systems; Near Object Avoidance Systems; Early Collision Detection Systems; Light Bulbs; Fuses; any type of Internal Software Updates or other failures; Non-Factory Audio/Video systems; and Non- Factory Electronic Transmitting/Receiving Devices. Maintenance services and parts described in Your Vehicle’s Owner Manual as supplied by the manufacturer and other normal maintenance services and parts which include, but are not limited to: Alignments; Wheel Balancing; Tune-ups; Spark Plugs; Spark Plug Wires; Glow Plugs; Hoses (except steering and air conditioning); Brake Pads, Brake Lining/ Shoes; Fasteners; Nuts; Bolts; Clips; Retainers and Wiper Blades. Filters, Lubricants, Coolants, Fluids and Refrigerants will be covered only if replacement is required in conjunction with an authorized repair.
      6. ADDITIONAL BENEFITS: LEVEL 4 coverage also includes:
        1. LABOR & DIAGNOSTICS: The authorized time for a covered repair will be based on the Mitchell ProDemand labor guide. The hourly labor rate assistance will be the repair facility’s rate up to $75.00 per hour. Should Your repair facility’s rate exceed this amount, You are responsible for the difference. If tear-down/diagnostic is requested by CARS, then CARS shall reimburse up to one hour of tear-down/diagnostic based on Your stated labor rate. EXAMPLES OF NOT COVERED: tear-down and diagnosisfor a non-covered repair.
        2. RENTAL BENEFITS: You will be reimbursed $35.00 for each six hours of Mitchell ProDemand labor guide time to repair or replace the covered component with a maximum benefit of $250.00 per claim, if proof of rental is provided with an authorized claim. Downtime, regardless of reason, is not included.
        3. 24-HOUR ROADSIDE ASSISTANCE: Roadside assistance provides: towing; battery service; jump start; flat-tire; fuel, oil and water delivery; and lockout assistance. Coverage is provided up to $50.00 per occurrence to the covered vehicle only. To utilize this service, You MUST call roadside assistance at 800-418-9836.
  1. COMPONENTS AND EXPENSES NOT COVERED (Applies to all SCHEDULE OF COVERAGE levels):
    1. Unless You have chosen LEVEL 4 coverage, components not listed on Your SCHEDULE OF COVERAGE, regardless of failure.
    2. Component failures occurring before CARS receives and approves this Service Contract Application are not covered.
    3. Any repair done without prior authorization from CARS.
    4. CARS does not provide any coverage for vehicles modified or altered AT ANY TIME beyond original manufacturer’s specifications with or without Your knowledge, including but not limited to the following modifications: WHEELS/TIRES (not to manufacturer’s specifications unless Your vehicle has been classed under EXTRA ELIGIBILITY Oversize Tires Coverage); lift kits (unless Your vehicle has been classed under EXTRA ELIGIBILITY Lift Kit Coverage); lowering kits; emission/exhaust; and engine.
    5. Diagnostic and tear-down charges for non-covered repairs; Diagnostic and tear-down charges in excess of one hour for covered repairs, except as previously stated.
    6. Damage/failure to a covered component caused by a NON-covered component.
    7. Repairs performed due to improper diagnosis.
    8. Fluids, refrigerant and filters, except if previously stated in Your SCHEDULE OF COVERAGE.
    9. Damage resulting from any previous improper repair.
    10. Parts and labor needed to maintain Your vehicle in accordance with the requirements of Your manufacturer’s Owner’s manual.
    11. Parts of the vehicle subject to regular maintenance in accordance with the requirements of Your manufacturer’s Owner’s manual.
    12. Damage from flood, fire, impact, and/or accident, regardless of the cause.
    13. Damage from conditions of the environment, including rust and corrosion.
    14. Damage from altering, misusing or tampering with the vehicle, making improper adjustments or using improper fuels or fluids.
    15. Damage resulting from failure to maintain Your vehicle according to Your manufacturer’s maintenance requirements.
    16. Damage/failure caused by carbon, sludge, or water ingestion.
    17. Fluid leaks and damage caused by fluid leaks.
    18. Taxes and NON-covered repair facility charges.
    19. CARS does not provide any coverage if, at any time, the vehicle has/had an inoperative cluster, odometer, and/or odometer display, regardless if repaired.
  2. PROVISIONS OF THE SERVICE CONTRACT:
    1. The Service Contract is between You and CARS and is administered by CARS. You may contact CARS at 888-335-6838, or online at carsprotectionplus.com.
    2. You are responsible to contact CARS should You not receive a CARS I.D. card via mailwithin 15 days from applying for a Service Contract. An issued I.D. card will become part of Your Service Contract and is incorporated by reference.
    3. This Service Contract Application does NOT go into effect until: (1) this completed application is received by CARS, (2) with proper payment, and (3) approved by CARS,which MAY BE DIFFERENT than Your date of vehicle purchase. This Service Contract will last for the time period or mileage indicated, whichever occurs first, so long as Youown the vehicle.
    4. Limit of liability for a repair shall not exceed the NADA Clean Loan value at the time of repair (not including tax, title, license or any other fee). Total cumulative benefits under the Service Contract will not exceed the NADA Clean Loan value as of the Effective Date, or the vehicle purchase price, whichever is less.
    5. CARS reserves the right to reject any Service Contract Application. CARS does not provide coverage for any vehicle not originally manufactured to U.S. specifications, commonly known as grey market vehicles; salvaged vehicles or factory buybacks.
    6. Your odometer MUST display and function at all times, regardless of Your mileage limitations. If there has been an inaccuracy, tampering, or alteration to the odometer mileage so the true and actual mileage is not shown or cannot be determined, then Your Service Contract is void. An inoperative cluster, odometer, and/or odometer display also voids the Service Contract. Upon discovery by CARS, CARS will cancel Your Service Contract and issue a prorated refund, less claims paid or approved for payment.
    7. If, at any time, it is determined Your vehicle is altered or modified from original manufacturer’s specifications, CARS would consider this a material misrepresentation, unless Your vehicle has been classed under EXTRA ELIGIBILITY for the specific alteration and/or modification. Upon discovery by CARS, CARS will cancel Your Service Contract and issue a prorated refund less claims paid or approved for payment.
    8. You are responsible for properly maintaining the vehicle in accordance with manufacturer’s specifications and to protect against further damage caused by continued operation or damage from overheating.
    9. Coverage is limited to the repair or replacement of any covered component found to be defective beyond manufacturer’s specifications, including failures resulting from normal wear and tear.
    10. A claim must be opened during CARS’ normal business hours and while Your Service Contract is active.
    11. CARS will arrange for payment of the amount of the authorized repair, less related charges not covered by the Service Contract, less a $100.00 deductible per claim,unless you have selected the $0 DEDUCTIBLE OPTION.
    12. You must provide Your Vehicle Identification Number (VIN) when contacting CARS.
    13. CARS will not be responsible for any time lost, any inconvenience caused by the loss of use of Your vehicle, the quality of the repair by the repair facility or for any other incidental or consequential damages You may have.
    14. CARS does not allow any third party to create any obligation or liability in connection with the Service Contract.
    15. The selling dealer is not an agent of CARS.
    16. You may have additional state-specific rights. See attached Additional State Disclosures.
    17. This Service Contract shall be interpreted and subject to the laws of the state where the sale of the vehicle took place regardless of where a claim or mechanical failure occurs or where You reside.
    18. Venue for all disputes shall be in the state in which the Service Contract was sold.
    19. CARS’ obligations under this Service Contract are insured by Dealers Assurance Company, 240 N. 5th Street, Suite 350, Columbus, OH 43215, 800-282-8913. You are entitled to make a direct claim against the Insurer upon the failure of the Administrator/ Obligor to pay any covered claim within 60 days after a complete proof of loss has been filed with CARS.
    20. During Your ownership, You must retain all vehicle maintenance/repair records for review by CARS.
    21. Coverage is superseded by any manufacturer’s warranty, recall or warranty on a previous repair.
    22. Purchase of this Service Contract is not required in order to purchase or obtain financing for a motor vehicle.
  3. SERVICE CONTRACT CLAIM PROCEDURES: FAILURE, BY YOU OR YOUR REPAIR FACILITY, TO FOLLOW THESE CLAIM PROCEDURES MAY DELAY AND/OR RESULT IN CLAIM DENIAL. TO AVOID DELAY, FOLLOW THE CLAIM PROCEDURES LISTED BELOW:
    1. Your vehicle must be at a repair facility, of Your choosing, within the continental United States, CAPABLE TO: (1) perform tear-down to the point of component failure, (2) determine the cause and extent of damage, and (3) rebuild the component. The vehicle MUST REMAIN at the same repair facility until repairs are complete. If Your repair facility is unwilling or unable to work with CARS, then CARS reserves the right to require You to choose another repair facility.
    2. Your repair facility must call CARS at 888-335-6838 to open a claim BEFORE any repairs have begun.
    3. Your repair facility must perform a proper diagnosis to determine the cause of failure and extent of damage, which may include tear-down to the point of component failure upon the request of CARS. YOU ARE RESPONSIBLE FOR THESE CHARGES for non-covered repairs, and any diagnostic and tear-down charges in excess of one hour for covered repairs. Your repair facility MUST provide CARS with an estimate for the covered repair to obtain an Authorization number BEFORE any repairs have begun. ANY REPAIRS PERFORMED PRIOR TO AUTHORIZATION WILL BE DENIED.
    4. CARS has the right to inspect the vehicle. If Your repair facility is unable/unwilling to show the cause of failure and the extent of damage, You will be responsible for all reinspection costs.
    5. CARS has the option to select used, rebuilt or aftermarket components when authorizing repairs.
    6. If it is determined a covered component has failed and an estimate for the repairs is approved by CARS, an Authorization number will be issued for the repair. The Authorization number is valid for 180 days from the date issued. After 180 days the Authorization number and claim are void. No invoice will be processed without a valid Authorization number, Your signature, repair facility’s warranty on repairs (if applicable) and repair facility’s identifying information.
  4. SERVICE CONTRACT TRANSFER PROVISIONS:
    1. The Service Contract is transferable, by the original purchaser, to the subsequent owner of the vehicle provided CARS receives a transfer fee of $99.00 and one of the following within three business days of the vehicle sale: (1) a copy of the front and back of the original title with original Owner and new Owner signatures; (2) a copy of the new Owner’s temporary or permanent registration; or (3) a copy of the bill of sale. CARS will not transfer the Service Contract to another vehicle or to a business. The transferred Service Contract will remain in effect pursuant to the Terms and Conditions of the original Service Contract.
    2. Without payment of the transfer fee, the Service Contract cannot be re-assigned and will be void at the time the vehicle is transferred. Call CARS at 888-335-6838 within three days of transfer to speak with a CARS’ Customer Service Representative for moredetails.
    3. The new Owner is responsible for all maintenance records from the original Effective Date of the Service Contract.
  5. CANCELLATION PROVISIONS - ALL REQUESTED CANCELLATIONS/REFUNDS MUST BE IN WRITING AND WILL BE PROCESSED THROUGH YOUR LIENHOLDER, IF ANY, OR YOUR SELLING DEALER. IF FINANCED, YOU AGREE YOUR LIENHOLDER IS A JOINT PAYEE TO RECEIVE ANY APPLICABLE REFUND. ANY CANCELLED CONTRACT IS VOID AND WILL NOT BE REINSTATED.
    1. CANCELLATION BY SERVICE CONTRACT HOLDER: You may cancel this Service Contract at any time by notifying CARS. If You cancel Your Service Contract within the first 20 days from the Effective Date, then You will receive a full refund provided no claims have been made. After 20 days, or if a claim was made within the first 20 days from the Effective Date, You will receive a pro rata refund of the Service Contract price for the unexpired term of the Service Contract based on the number of elapsed months or miles, less any claims paid or approved for payment, less an administration/cancellation fee not exceeding $50.00.