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A vehicle service contract (VSC) is an optional service agreement that covers the cost of specified mechanical repairs after the manufacturer's original warranty has expired. It is sold separately from the vehicle and is not a warranty — it is a service contract administered by a licensed third party. VSCs help drivers budget for unexpected repair costs by covering labor and parts for covered breakdowns.

Complete Auto Protect offers three vehicle service contract levels: Powertrain covers the engine, transmission, and drive axle; Complete Care adds electrical, A/C, cooling, and steering systems; and Total Protection covers nearly every mechanical and electrical component on your vehicle. You can compare tiers on the [coverage page](/coverage) or [get a free quote](/quote) to see which plan fits your vehicle and budget.

Filing a claim is straightforward. When your vehicle has a covered breakdown, take it to any licensed repair facility in the U.S. and have the shop contact Complete Auto Protect for pre-authorization before repairs begin. Once repairs are approved, you pay your deductible directly to the shop and we handle payment for the covered work. You do not need to pay out of pocket and wait for reimbursement.

Yes. You can take your vehicle to any licensed repair facility in the U.S. — there is no restricted network of approved shops. Whether you prefer your trusted local mechanic, a dealership service center, or a national chain, they can call our claims line and we will walk them through the authorization process.