Auto Warranty Coverage

If you are coming up on the final days of your car’s original manufacturer’s warranty, and you are worried about something going wrong soon afterwards, you can relax. There are ways to extend auto warranty coverage, so that your vehicle will be covered for years to come.

No matter what type of auto warranty coverage you have – either the original manufacturer’s warranty or an extended warranty – you will still need to know the details of exactly what is covered, and what is not.

The specifics of your warranty are going to vary, depending on the make and model of car you own, the year it was made, whether you bought it new or used, and a myriad of other details. But in general, there are some things that are universally covered by warranties.

Engine: This will be covered, no matter if it’s a manufacturer’s warranty or an extended warranty, but don’t assume that everything under the hood counts as an “engine” part. Things that are considered “consumables” aka items that wear out, like fan belts, are usually not covered. But should a major engine problem arise that is not due to misuse, lack of care or other negligence, the warranty will cover the costs of replacement or repair.

Transmission: This is considered part of the drive train, and again, will be covered in both situations. Don’t expect to have repairs done if the damage is caused by misuse or accidents – if you dent the tranny pan, it will be your insurance that covers the repairs, not the warranty.

Parts and Labour: This is generally covered under both plans, as it pertains to repairing or replacing other covered items. That does not include an oil change.

Front/Rear Wheel Drive and 4×4: Any damage done that was due to faulty parts here will be covered under most warranty programs.

Air conditioning: It may be a luxury addition to your new car package, but if something fails, your warranty will cover the costs of blowing cold again.

Brakes: Again, there are lots of consumables in your brake assembly. Don’t expect normal wear to be replaced on your brake pads, rotors or shoes. However, if another problem causes uneven wear, you may get replacements under your warranty program. Check the fine print.

There are plenty of other items that may be covered under your warranty, including electrical problems or shorts, any failures in the seals and gaskets, and so on. Some programs will also offer incentives and assistance for the time while your car is out of commission. This could include things like emergency transportation cost reimbursement, loaner rental costs, and any number of roadside assistance programs. Of course, the only way to know for sure what is covered under your auto warranty coverage is to read it for yourself, and make sure you understand what your responsibility is.

Reasons for Getting Health Insurance

Life throws all kinds of surprises at us, so we need to be equipped to deal with these surprises in order to protect ourselves and our families. If you are not already convinced, here are the top eight reasons why you should ensure that you have appropriate health insurance:

Health insurance helps to ensure that you and your family are protected against the financial hardships that may result from health care expenses.

Without health insurance, you may not be able to afford medical care when you need it

People with health insurance are more likely to go to the hospital before their condition worsens and becomes more expensive to treat.

People with diabetes who do not have health insurance have a higher mortality rate than people who have diabetes and health insurance.

If large medical bills are not paid, the hospital can put a lien against your property.

You may have to seek are at county run hospitals. County run hospitals are often overcrowded and it may take hours, if not days to be seen.

Some colleges, universities, and international programs require proof of health insurance to be enrolled.

You may receive a high life insurance premium.

To conclude, purchasing adequate health insurance is something that is not a luxury but a necessity. It enables you to grow and develop your life, safe with the knowledge that should something happen to your health, you and your family can manage cope during what could be a difficult time.