How It Works
Plain English. Real coverage.
Here's how it works.
You pick a plan. We tell you what's covered, what isn't, and what you'd pay before you sign anything. When something breaks, you call us and an American team handles the claim from there.
Understanding Your Plan
What Is a Service Contract?
Before you sign anything, here's the plain version: what's included, what isn't, and where the line sits between coverage and a bill you'd pay yourself.
What a Vehicle Service Contract IS
A vehicle service contract pays for mechanical and electrical repairs once the factory warranty runs out. The shop bills us directly, you pay your plan terms — that's it.
Key Benefits
- Pays for mechanical and electrical repairs after the factory warranty runs out
- Bill goes straight to the repair shop — you don't front the cost
- Roadside, towing, and lockout service round the clock
- Rental car covered while your vehicle is in the shop on an approved claim
- Take the car to any licensed repair shop in the country
- Your monthly rate is locked in — no annual rate hikes
What It Is NOT
It's not auto insurance. It won't pay for an accident, liability, or someone else's damage. Here's the rest of what it isn't:
Key Exclusions
- Not auto insurance — collisions, liability, and someone else's damage stay on your insurance policy
- Not a maintenance plan — oil changes, brake pads, tires, wipers, and other wear items are on you
- Doesn't cover problems that existed before the plan started — those are off the table from day one
- Doesn't cover dents, paint, glass, or upholstery — cosmetic damage isn't a mechanical claim
- Has limits — labor rate caps and per-plan terms apply, all spelled out in the contract
Quick version: Insurance handles the crash. Patriot Plan handles the breakdown. You'll want both — they cover totally different bills.
Coverage Solutions
Protection Plans Built Around You
Tell us about your vehicle or home and we'll match you with a qualifying plan.
Executive
Elite Protection
If a part of the car isn't on the short exclusions list, it's covered. The widest contract on the menu — built for newer or higher-value vehicles where any system could fail expensively.
Premium
Advanced Protection
Nearly every mechanical and electronic system covered — brakes, cooling, infotainment, ADAS sensors, hybrid battery management. Strong fit for tech-heavy modern cars.
Signature
Expanded Coverage
Powertrain plus the systems that quietly take a car off the road: electrical, A/C, suspension, steering, fuel. Built for older cars where the engine still runs strong but other parts are aging.
Essential
Core Protection
Engine, transmission, and drivetrain — the three repairs that put a family on a payment plan with the mechanic. Catastrophic-cost coverage at the lowest monthly payment.
Executive
Elite Protection
If a part of the car isn't on the short exclusions list, it's covered. The widest contract on the menu — built for newer or higher-value vehicles where any system could fail expensively.
Premium
Advanced Protection
Nearly every mechanical and electronic system covered — brakes, cooling, infotainment, ADAS sensors, hybrid battery management. Strong fit for tech-heavy modern cars.
Signature
Expanded Coverage
Powertrain plus the systems that quietly take a car off the road: electrical, A/C, suspension, steering, fuel. Built for older cars where the engine still runs strong but other parts are aging.
Essential
Core Protection
Engine, transmission, and drivetrain — the three repairs that put a family on a payment plan with the mechanic. Catastrophic-cost coverage at the lowest monthly payment.
When Something Breaks Down
You Call Us. We Pay the Shop.
Three steps, no hold music, no "let me transfer you." Here's exactly what happens when a covered repair lands.
Call Us
Pick up the phone the moment a covered repair shows up. Don't let the shop start work yet — we authorize the bill before any wrench gets turned.
Get Authorized
Pick any licensed shop in the country. We confirm coverage with the technician on the line, then green-light the repair directly with them.
We Pay the Shop
Once the work is done, the bill comes to us. You pay your plan terms and drive away — no fronting the cost, no waiting on a refund check.
Ready to file a claim?
Pick up the phone. We'll take it from there.
Call before any repair starts — that's how we authorize the bill.
Available 24/7, 365 Days a Year
Frequently Asked Questions
Frequently Asked Questions
The questions families ask before they sign — answered straight.
Get Started With a Free Quote
Get your free quote today and discover plans tailored around your home or vehicle.
No obligation • Takes less than 2 minutes