These services are not meant to protect your vehicle. These agents are liars and scammers. They sent me a fake card in the mail saying that my factory warranty was expiring and I needed to get coverage immediately. It was kind of a threatening letter. I was thrown back by it. I called immediately and they signed me up for something that I did not necessarily approve of. They made it sound like they worked for the car company. They did not. It was all lies to get my money up front and I fell for it. They did not cover anything.