Service contract vs. extended warranty
People use the two terms interchangeably, but they are different documents with different rules. Knowing which one you're holding tells you who owes you a repair.
A warranty comes with the product
A true warranty is included in the purchase price and is backed by the manufacturer. Your factory bumper-to-bumper and powertrain warranties are warranties. You don't buy them separately, and you can't decline them.
A service contract is purchased separately
A vehicle service contract — what InsureNow sells — is a separate agreement you buy to cover mechanical breakdown after or alongside the factory warranty. It is not an insurance policy, and coverage is defined entirely by the contract you sign.
Why the label matters
Service contracts are regulated differently state by state, and the covered-components list, waiting period, deductible, and claim process live in the agreement rather than in a manufacturer's standard terms. Read the exclusions page first — it's where the real scope lives.
What to check before you sign anything
Confirm where repairs can be performed, whether the administrator pays the shop directly or reimburses you, the deductible per visit or per repair, whether coverage is transferable, and the cancellation terms. If a seller won't show you the sample contract, that's your answer.