What CarShield does not pay for typically includes wear and tear parts, damage resulting from acts of nature or collisions, and issues that arise due to a lack of regular vehicle maintenance. Like most extended warranty providers, CarShield focuses on covering unexpected mechanical breakdowns, rather than routine upkeep or damage from external events.
Common Exclusions from CarShield Coverage
Understanding what CarShield does not cover is crucial for managing expectations and ensuring your vehicle receives appropriate care. Here are the primary categories of exclusions:
Wear and Tear Parts
CarShield generally does not cover components that are designed to wear out over time with normal use. These parts are expected to be replaced as part of routine maintenance or due to the natural aging of the vehicle.
- Examples:
- Brake pads and rotors
- Tires
- Wiper blades
- Spark plugs
- Clutch components
- Belts and hoses (unless specifically covered by a higher-tier plan for certain types of failures)
Damage Caused by Acts of Nature
CarShield, like standard auto extended warranties, does not cover damage that results from environmental events beyond human control. These types of incidents are typically covered by a comprehensive auto insurance policy.
- Examples:
- Hail damage
- Flood damage
- Fire (not related to a mechanical breakdown covered by the plan)
- Damage from falling trees or debris due to storms
Damage Resulting from Collisions
Damage sustained in accidents or collisions is not covered by CarShield. Vehicle service contracts are distinct from auto insurance, which is designed to cover repair costs after an impact.
- Examples:
- Body damage from a fender bender
- Engine or transmission damage directly caused by an impact
- Frame damage from an accident
Issues Due to Lack of Regular Maintenance
Maintaining your vehicle according to the manufacturer's recommendations is a prerequisite for coverage. If a breakdown occurs because the vehicle was not properly serviced, CarShield may deny the claim. This emphasizes the importance of keeping detailed service records.
- Examples:
- Engine failure due to skipped oil changes
- Transmission issues resulting from neglected fluid flushes
- Damage from not replacing timing belts at recommended intervals
- Suspension problems caused by ignored recalls or service bulletins
Maintaining Your Coverage
To ensure your CarShield plan remains valid and covers eligible repairs, always adhere to your vehicle's manufacturer-recommended maintenance schedule. Keep meticulous records of all service, including dates, mileage, and the work performed, as these may be required when filing a claim. Regular maintenance not only helps prevent uncovered issues but also extends the overall lifespan of your vehicle.
