Free Contract Reads
Rust, seals and gaskets trip up a lot of claims here. We flag those lines first.
Is That Repair Covered? Let's Read It Together.
A small Rochester agency that reads service contracts line by line, helps with claims and never robocalls.
That Call About Your Warranty Expiring Was Not Us
Robocalls like that are almost never from your dealer or your carmaker. We never robocall. Hang up, press nothing, and call the number on your own paperwork.
Will My Plan Cover This Repair?
Pick what broke and what kind of plan you have. You get the likely answer, the lines in the contract to look for and what to do before the shop starts work.
A likely answer, not a claim decision. A vehicle service contract is not a manufacturer's warranty, and what it pays depends on your own contract and the plan administrator. Repair costs are sample ranges for Rochester shops.
What We Do at the Monroe Avenue Office
Dave Hollis wrote repair orders at Rochester shops for 22 years. Now he sits on your side of the contract.
Claim Help
Your shop calls the administrator. We get on the line too, with your contract open, so the right section gets read before anyone says no.
Plan Quotes
We compare plans from three outside administrators and show you the exclusions side by side.
Cancel and Refund
Sold the car or changed your mind? We file the cancel request and track the refund.
Some Cars Don't Need a Plan
If your car is reliable and you have savings for a repair, we will tell you to skip it.
Ask DaveFour Lines Worth a Highlighter
Every contract is different. These four lines decide most claims, so find them in yours.
Sample contract language
A deductible of $100 applies to each repair visit. Some plans charge it per part instead of per visit.
No claim is payable for a failure that occurs within the first 30 days or 1,000 miles.
The repair facility must obtain authorization before any teardown or repair.
You may cancel at any time. A full refund is due within 60 days if no claim has been paid.
Per visit or per part
Three parts on one visit can mean one or three. Ask before you sign.
The part of each repair bill you pay yourself. The plan pays the rest of a covered repair.The waiting period
A part that fails in the first month is on you, even if it is on the list.
Call before the wrench
If the shop takes the engine apart first, the claim can be denied. The shop calls, then works. fees may be yours if the part is not covered.
Taking parts off to find out what failed. It costs labor, often one to three hours.Your way out
Most contracts give a full refund early, then a prorated one. It is in writing, and we help you use it.
What Drivers Say
4.9
★★★★★146 Google reviews
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
My claim for a transmission got denied for "no records." Dave helped me dig up my oil change receipts and they paid it on the second look.
Marcus T. Greece
He read my whole contract for free and told me my Honda did not need the plan the dealer sold me. I cancelled and got most of it back.
Angela R. Webster
Plain talk, no pressure. He showed me the exclusions on three plans before I picked one.
Walt K. Penfield
IrondequoitGreeceWebsterPenfieldPittsfordHenriettaBrightonGatesFairportChiliRochester
On Monroe Avenue in Rochester
We help drivers from Irondequoit, Greece, Webster, Penfield, Pittsford, Henrietta, Brighton, Gates, Fairport and Chili. Can't come in? Email photos of your contract and we call you back.
- Monday to Friday
- 9 to 5:30
- Saturday
- 9 to noon
- Sunday
- Closed
(585) 555-0138 · help@example.com
Questions Drivers Ask Us
Is a service contract the same as my factory warranty?
No. A vehicle service contract is not a manufacturer's warranty. It is a separate contract, and what it pays for depends on the contract you signed. That is why we read it with you.
Someone called saying my car warranty is expiring. Should I worry?
No. Those robocalls are almost never from your dealer or your carmaker, and they were not from us. We never robocall. Hang up, do not press any buttons and never give a card number on a call you did not make.
Do you charge to read my contract?
No. Bring it in or email a photo of every page. We read it and call you back the same week, whether or not you ever buy anything from us.
My shop says the claim was denied. Can you help?
Often, yes. We look at the reason the administrator gave, check it against your contract and help you ask for a second look with your records. We cannot promise a claim will be paid, because that depends on the contract.
Can I cancel a plan I already bought?
Almost always. Most contracts give a full refund inside the first 30 to 60 days if you have no claims, then a prorated refund after that, sometimes minus a small fee. Your contract lists the exact window, and we help you file the request.
Not Sure What Your Contract Says?
Leave your first name and number. Dave calls you back, and you can email the pages after.