Road hazard coverage feels simple when you sell it. Potholes, nails, cracked rims, the warranty pays and everyone is happy. The stress starts when a customer is stuck in the service drive with a flat, the claim is slow or short-paid, and you are caught in the middle.

Summer driving across Canada means more road trips, more construction, more rim hits, and a lot more chances for claim arguments. If you are offering a road hazard warranty for dealerships, you need to know if it is actually performing. You cannot just hope it is. That means tracking what gets approved, why claims get denied, and how long money takes to show up.

Here is a simple way to audit your road hazard program, benchmark it, and tune it without creating compliance problems. The goal is simple. Fewer surprises, stronger F&I presentations, and a smoother experience for your customers and your staff.

What Good Road Hazard Performance Looks Like

Before you pull a single report, you need a clear picture of what "good" means. Keep it to three plain-language metrics.

• Approval rate: what share of submitted claims are paid.  
• Reimbursement level: how much is actually paid out per repair.  
• Time-to-pay: how many days from opening the claim to money in hand or the RO cleared.

Strong road hazard programs often show an approval rate somewhere around 80 to 90 percent. You might see examples near 87 percent. On dollars, a healthy average paid claim might land around the mid four-hundreds, for example about 449 dollars per repair. On speed, clean claims should usually be paid within a few business days, for example 3 to 5 days when paperwork and photos are correct.

Those numbers are guideposts, not hard rules. Context matters.

• A busy metro store will see different damage patterns than a rural store.  
• Tire and rim pricing in Alberta will not match pricing in Quebec.  
• Your own process, from F&I menus to how advisors capture photos, can swing results.

So benchmark against these examples, but always compare them to your own reality, your brands, and your province.

Building a Clean, Compliant Claims Data Set

The next step is getting data without creating a compliance headache. The trick is to pull only what you need.

For most stores, the core data set is simple.

• RO number and VIN  
• Date of incident, date submitted, date paid  
• Paid amount  
• Denial code or reason  
• Advisor or F&I associate tied to the claim

You do not need customer addresses, Social Insurance Numbers, or full credit profiles to review how a tire warranty performs. Skip anything that is not needed for this specific review. Keep your focus on your road hazard warranty for dealerships, then add related products, like GAP or financial loss, only if you want to compare patterns.

Collect data through systems you already use, such as:

• Provider portals  
• DMS reports  
• F&I menu reports

Do not export everything to a personal laptop or email. Use secure, dealership-approved storage. Mask or strip customer identifiers before anyone outside the need-to-know group sees the file, especially if you bring in outside help.

Before you start, pull in:

• Compliance  
• Controller  
• IT or whoever owns system access

Get agreement on who can see what, for example F&I leadership, service manager, GM, and ownership. Write a short, repeatable SOP so you can run the same audit every quarter without re-arguing the process.

Auditing Approval Rates, Denials, and Time-to-Pay

Now you are ready to actually look at performance. Grab 6 to 12 months of road hazard claims. Separate:

• Tire-only  
• Tire plus rim  
• Total loss or bigger repairs tied to road hazard

Group them into paid, partially paid, and denied. From there:

• Calculate approval rate, paid and partially paid divided by total submitted.  
• Track average days to first decision.  
• Track average days to final payment.

This gives you a fast read on how reliable and fast the program really is.

When you review denial reasons, keep emotions out of it. Common valid denials include:

• Normal wear and tear  
• Pre-existing damage  
• No clear road hazard event  
• Parts that are outside coverage

Red flags to watch:

• Vague denial codes like "other" or "admin"  
• Repeated denials tied to a specific advisor or rooftop  
• Claims missing basic things like photos or mileage

Pull 10 to 20 sample files and read them like an adjuster would. Are photos clear? Is the road condition described? Is mileage written correctly? Patterns here tell you if the problem is the product, the provider, the process, or training.

Then benchmark your numbers against the examples and against what your provider promised in the product guide. If you see approval rates far below the 80 to 90 percent range, average payouts far under roughly 449 dollars, or slow payment on clean files, you have something concrete to discuss.

Tuning Reimbursement Rates Without Breaking Rules

Now look at money. Your reimbursement level should feel fair against your posted prices.

Start simple.

• Compare paid amounts to your standard tire and wheel pricing, by size and brand.  
• Note cases where you are often eating 50 to 150 dollars per repair because of caps or labour limits.  
• Use a small sample of 25 to 50 claims per main tire size or rim type so the review stays practical.

This tells you if your road hazard coverage lines up with the real cost of parts and labour in your store.

When you talk to your provider, stay data focused. For example:

• "Our average tire replacement cost is around 520 dollars. Your average road hazard payout is closer to 449 dollars. Here is a list of recent repairs that show the gap."  

Ask about:

• Updated coverage tiers  
• Higher caps for larger diameters  
• Regional pricing tables for your province

Also ask for reports from the provider side so you are not arguing from a few painful cases.

On the compliance front, a few clear rules.

• Never pad or "gross up" repair costs to match coverage caps. Keep RO pricing honest and in line with customer-pay work.  
• Make sure product pricing, coverage limits, and booklet wording match what actually happens on claims.  
• Review your road hazard warranty every year against provincial rules and any OEM guidelines if you are working under an OEM program.

Building Fast, Low-Friction Claims That Keep Customers Coming Back

The last piece is process. Even a strong product can feel terrible if claims are messy.

Design a no-drama workflow in service.

• Standard photo angles for tire and rim damage  
• Quick road condition notes: pothole, debris, curb, gravel  
• Simple damage descriptions at write-up

Train advisors to sort claims.

• Clear and simple, submit right away  
• Needs more info, get photos and notes before sending  
• Higher risk or grey-area, send for pre-approval

Create short checklists for Road Hazard, Theft, Job Loss, and Financial Loss so staff know what each product covers and what paperwork is needed. This reduces guesswork, rework, and delays.

Reduce friction by:

• Setting expectations with customers on what is covered, how long claims usually take, and what they need to sign or provide  
• Cutting double entry with better links between your F&I menus, DMS, and provider portals where your systems allow it  
• Tracking repeat issues by advisor or shift, then coaching, not blaming the warranty

Do not stop at claim stats. Tie what you see back to:

• F&I close rates and product penetration  
• CSI comments about protection products, especially after winter or heavy construction seasons  
• Positive claim stories you can share in F&I: quick approvals, fair payouts, and real savings for local drivers

Once you have run your first audit, turn the findings into an action list. Clean up documentation, update F&I word tracks, and set a standing quarterly review with service, F&I, and your provider. Compare your numbers to those example targets, like approval around 87 percent, average paid claim near 449 dollars, and payouts within a few business days on clean files. If your current program will not move closer to that kind of performance, it may be time to look for dealer-centric coverage that protects back-end profit while keeping claims simple for your team and low stress for your customers.

Protect Your Customers And Boost Dealership Confidence

Give your buyers the assurance they expect by partnering with us for a comprehensive road hazard warranty for dealerships that helps protect their investment and your reputation. At Auto Shield Canada, we make it straightforward to integrate coverage into your current sales process so your team can focus on closing more deals. If you are ready to explore coverage options or have questions about how it works for your store, simply contact us and we will walk you through the next steps.

Turn Summer Road Trips Into F&I Wins

Summer road trips in Canada are hard on vehicles. Long highway stretches, construction zones, heat, and heavy loads all raise the odds of flats, breakdowns, and accidents far from home. July and August are when real driving risk and real coverage needs meet.

If your F&I pitch in July looks the same as it does in January, you are leaving money and customer satisfaction on the table. Winter stories about icy fenders do not hit the same as a family stuck on the Trans-Canada with two kids, a dog, and a trailer. The risk is different, so the menu should look different.

A simple, seasonal bundle built around extended warranty, roadside assistance, and rental or towing protection usually fits long-distance driving better than a pile of one-off products. One clear story is easier for customers to understand and easier for F&I teams to explain. It also lines up with how people actually use their vehicles in summer.

You can plug in protection products that make these bundles easy to build and easy to sell. Below is what to include, what to skip, and how to position it in your F&I menu without sounding like you are trying to scare anyone into saying yes.

Map Real Summer Driving Risks To Contract Terms

Think about the actual trips your customers talk about.

• Alberta to BC for a family vacation  
• Montreal to Cape Breton for a coastal tour  
• Long-haul drives to university towns in late August  

Each of these trips comes with very clear risk points that map straight to product levers.

• Mechanical failure far from home connects to extended warranty plus rental coverage. If a transmission fails halfway to Kelowna, the big pain is not only the repair, it is being stranded without a vehicle.  
• Potholes, nails, and debris connect to Road Hazard. In many Canadian stores, Road Hazard claims get approved most of the time, often around the high eighties in approval rate, with typical payouts in the mid-hundreds. That is real money compared with buying a new tire or wheel roadside.  
• An accident late at night on the Trans-Canada connects to towing distance, roadside response limits, and after-hours support. If the tow limit is too short, the real tow bill can shock people.

Many car dealer warranty programs have silent gaps in these areas.

• Daily rental caps that do not match peak summer rental prices in tourist areas  
• Towing limits of 20 or 40 kilometres when customers assume the tow truck will take them to the nearest helpful shop, even if that is a long highway run  
• Coverage that excludes gravel roads or secondary highways that plenty of Canadians use to reach cabins, lakes, and campgrounds  

You do not have to guess where the risk is. Pull last summer’s claims and look for patterns. Which components failed on long trips? How far were the tows? How often did Road Hazard pay? This gives you a solid story that is based on your own store’s history, not on generic fear.

What To Include In A Summer Road-Trip Bundle

The cleanest way to present a summer bundle is as three simple pillars on the F&I menu.

1) Mechanical Protection  

Focus on the parts that fail hardest under heat and long mileage. That usually means:

• Extended warranty that covers powertrain and common high-failure components  
• Clear kilometre and time terms that match how long your typical road-trip buyer keeps a vehicle  
• Coverage that you can explain in plain language without a legal dictionary  

2) Roadside, Towing, And Rental  

People worry most about being stuck.

• 24/7 roadside assistance with clear towing radius and per-call limits  
• Towing coverage that realistically fits highway distances between major Canadian cities, not just across town  
• Rental reimbursement with daily caps that fit real summer pricing when cars are in high demand  

3) Trip Interruption And Financial Protection  

Trips fall apart when a breakdown becomes a hotel problem.

• Trip interruption for hotel and food if a breakdown strands a family overnight away from home  
• GAP or Financial Loss coverage for long-term finance customers who could total their vehicle on the road and still owe money  
• Optional Job Loss coverage for buyers taking on bigger payments before a big summer drive  

A simple comparison table can help you explain it.

• Scenario. 1 000 km summer trip  
• Factory only. Basic warranty, short towing, limited roadside, no trip interruption  
• Bundled protection. Extended mechanical coverage, towing that fits the route, rental, trip interruption, financial protection  

When you tie products like Road Hazard, Theft, and Financial Loss into a bundle built around “summer road-trip protection,” customers feel the logic. It sounds like planning, not upselling.

What To Exclude So Your Bundle Stays Lean

The fastest way to kill trust is to slap a “summer” label on a bloated package that includes everything on the shelf.

Think hard before you add:

• Cosmetic dent, wheel, or paint products that do not trigger during the kind of breakdown you are talking about  
• Long-term appearance protection that steals attention away from the travel story  
• Add-ons with confusing exclusions that lead to chargebacks and unhappy calls later  

Set a simple rule for yourself:

• Prioritise benefits that clearly trigger on a long highway drive or out-of-town stay  
• Drop anything you cannot explain in 30 seconds with a clear “if this happens on the road, this is how it helps you” example  

Watch for pricing traps too:

• Avoid stacking overlapping towing benefits from multiple providers  
• Use a simple “good / better” ladder, not a busy grid of tiny add-ons that feel like mystery insurance  

A common mistake in car dealer warranty programs is trying to pack in so many niche protections that the customer cannot picture a single real use. If they cannot see it, they will not value it.

How To Pitch The Bundle In Your F&I Menu

Timing matters. Summer coverage should come up in June and July on almost every retail deal, especially used vehicles and higher mileage units. Ask about plans early. If a customer mentions a drive to Kelowna, it is natural to say, “Let us talk about what it looks like if the transmission fails in Kamloops.”

Structure your F&I menu so the choice is simple.

• Factory coverage only  
• Core extended warranty  
• Road-trip bundle with warranty, roadside, rental or towing, and trip interruption  

Use plain labels that match real life, like “Stuck On The Side Of The 401” or “Family Hotel Night Covered.” Visual cues help people connect the dots.

Some scripting tips that keep things straight:

• Lead with real claim averages and approval patterns, not with horror stories  
• Be open about what is not covered so trust goes up and chargebacks go down  
• Frame it as “Here are two smart options based on how you said you are going to drive” rather than “You need everything”  

Done well, this kind of menu structure lifts product uptake and customer satisfaction scores without adding much time to each deal. The story fits the season, so the decision feels natural.

Using Data To Fine-Tune Car Dealer Warranty Programs

Guessing at bundle design is expensive. It leads to:

• High cancellation rates  
• Products that sit on the menu and never get pitched  
• Customers who feel coverage did not match how they actually drove  

You likely have the data you need already.

• Pull the last 12 months of Road Hazard claims, and look at seasonal spikes and average payouts  
• Track breakdown and tow locations to see how far people are really being towed  
• Look at which coverages tied to Auto Shield products show the most summer usage and lean into those for your seasonal bundle  

Then adjust:

• If most towing events run past your base kilometre limit, bump the standard summer bundle to a higher limit  
• If trip interruption claims spike in July and August, move that benefit from a tiny line at the bottom of the menu to a key talking point near the top  

Use this data in the customer talk as well. A simple line like, “Here is what usually happens for our customers in July and August,” feels honest and grounded in real experience.

Get Your Store Summer-Ready This Week

You do not need a full program rebuild to get ready for peak road-trip season. Focus on a few big moves:

• Design one or two tight summer bundles built on real highway risks  
• Strip out add-ons that clutter the offer and confuse buyers  
• Adjust your F&I menu layout so road-trip protection is front and centre in July and August  

A quick checklist for dealers and F&I managers:

• Audit current car dealer warranty programs for towing, roadside, rental, and trip interruption gaps  
• Align Auto Shield products like Road Hazard, Theft, Job Loss, and Financial Loss into simple, named packages  
• Train sales and F&I staff on a few summer-focused questions to surface travel plans as early as possible  

This is about matching coverage to real Canadian driving patterns, from BC passes to Atlantic coastal runs. When you do that, customers feel protected, and the extra F&I revenue is a natural result of practical planning, not pressure.

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Boost Your Dealership Profit With Smarter Warranty Solutions

Explore how our car dealer warranty programs can generate reliable, recurring revenue while giving your customers better protection on every vehicle sold. At Auto Shield Canada, we work with you to tailor coverage, pricing and processes so they fit your existing sales and F&I flow. If you are ready to review options, compare models or get a custom proposal, simply contact us and we will walk you through next steps.

Stop Believing Every Car Warranty Story You Hear

Car extended warranty myths spread fast. You hear them in the showroom, in the finance office, on TikTok, and in that one online forum that hates everything. Some of those stories are based on real problems, but many are half-true and can push you into bad choices.

Here is the honest middle ground. You do not have to buy the biggest plan to be smart. But skipping protection completely can hurt, especially with modern vehicles that are loaded with electronics and turbo parts.

Think about a used SUV with about 120,000 km on it. It feels solid, you take it on a summer road trip, then a surprise repair kills your whole vacation budget. One bad transmission issue, one failed infotainment screen, and your savings are gone.

This guide clears up common myths around car extended warranties and related protection. Then it shows you real examples you can measure, like Road Hazard, Theft, Job Loss, and Financial Loss. That way you can compare real risk to sales talk and decide what fits how you drive in Canada.

Myth 1: "A Car Extended Warranty Is Always a Scam"

This myth comes from real frustration. It usually starts in the last 10 minutes of a long buying day, when you get rushed through the finance and insurance office.

Common reasons people feel burned are:

• Plans pushed with pressure, not with clear explanations  
• Coverage stuffed with extras that do not match how they drive  
• Slow or confusing claim experiences that show up later online  

Some plans are bad. Some are just wrong for the buyer. That does not mean every protection is fake.

A car extended warranty can make sense if you have:

• A high-tech vehicle with turbo, complex sensors, and big touchscreens  
• A plan to keep the car long after the factory warranty ends  
• A long highway commute, or lots of family trips every year  

Repair work at Canadian shops is not cheap. Things like transmissions, AWD systems, and infotainment units often run into four figures once you add labour, fluid, and parts. One repair like that can be more than what you paid for coverage.

There are also clear red flags that tell you to walk away:

• Vague wording with no clean list of what is excluded  
• No clear answer on who pays the claim and how the process works  
• Pressure lines like “this price is only good if you sign right now”  

If you see those, you are not being protected, you are being pushed. Trust that feeling.

You can also decide that you do not want any extended coverage at all. That can be reasonable if your car is newer, you drive low kilometres, and you keep a strong repair fund. The key is to choose based on facts, not on pressure or myths.

Myth 2: "All Car Extended Warranties Are the Same"

This idea is risky because it makes you stop reading the fine print. Factory coverage, aftermarket plans, credit card perks, roadside plans, and dealer bundles are all built in different ways.

Some only cover mechanical breakdown. Others add things like:

• Road Hazard protection for tires and rims  
• Theft benefits on top of your insurance  
• Job Loss help if your income changes  
• Financial Loss support if you owe more than the car is worth  

Each has its own limits, deductibles, and claim rules. Those details change the real value over the life of a car.

Here is an example based on Road Hazard style coverage. Programs like this often see an approval rate around 87 percent and an average claim near $449 for tires and rims. You can compare that to:

• The price of a single premium tire in Canada  
• The cost of repairing or replacing a bent alloy rim after spring potholes  
• The hassle of paying for a tow plus the repair when you hit debris at night  

The difference gets real fast.

Job Loss and Financial Loss coverage matter most if you finance or lease. With higher interest rates and longer terms, it is common to owe more than the car is worth for a while. That is where a write-off from an accident or theft can leave you with a leftover balance that your standard insurance does not fully clear.

Here is a simple way to compare coverage types.

Extended mechanical warranty  

• Covers engine, transmission, major components, and sometimes electronics  
• Helps when parts fail from normal use, not from a crash  
• Common gap: wear items like brakes and wiper blades are usually excluded  

Road Hazard  

• Covers damage to tires and rims from potholes, nails, and debris on the road  
• Helps when you hit something on the highway or on a rough city street  
• Common gap: cosmetic scuffs or curb damage are often not covered  

Theft  

• Covers extra benefits on top of your insurance if your vehicle is stolen  
• Helps when you deal with fees, down payments, or replacement costs  
• Common gap: people often think regular theft coverage automatically handles every extra expense  

Job Loss  

• Covers support with payments if you lose your job for a covered reason  
• Helps when income suddenly drops and car payments stay the same  
• Common gap: standard auto insurance does not touch your job status  

Financial Loss  

• Covers the shortfall between what you owe and what insurance pays if the car is written off  
• Helps when you have a long loan or low down payment  
• Common gap: many drivers think “full coverage” auto insurance will clear the full loan every time  

Once you see the parts side by side, it is clear they are not the same product with different names.

You can also skip add-ons that do not match how you drive. For example, you might pick Road Hazard and decline a full mechanical warranty on a short lease. Or choose a mechanical plan and skip Job Loss help if your income is very secure.

Myth 3: "I Can Wait and Buy Coverage Anytime"

Timing changes both what you can buy and how much it costs. Many plans are tied to:

• Vehicle age  
• Odometer reading  
• Vehicle condition at the time of purchase  

If you wait a year, you may face higher prices, shorter terms, or you may age the vehicle out of eligibility limits. Some programs only accept cars before a set km cap or model year cut-off.

There is also a protection gap when you delay. Road Hazard coverage, for example, works best when it is active from day one, because you do not control when that first nail on the highway shows up.

June buyers in Canada often feel relaxed. The weather is nice, the car feels fresh, and the winter drama is gone. But summer brings:

• Long highway drives, camping trips, and towing  
• Construction zones with fresh gravel, screws, and broken pavement  
• Deep potholes that were not fully fixed yet  

Early failures can show up at any time, even on newer vehicles. Waiting “until later” often turns into “totally forgot” until you are staring at a repair quote.

A simple timing checklist:

• How long do you plan to keep this car  
• How many kilometres will you drive each year  
• Do you drive mostly city streets, rough rural roads, or long highway stretches  
• Do you have enough savings to comfortably pay for a surprise repair  

If you are a low km city commuter with a short lease, you may not need much. If you are a rideshare driver or the main family hauler for cross-country trips, the math changes.

You can buy early, buy later within limits, or skip coverage entirely. The key is to decide while you still have options, instead of after a breakdown.

Myth 4: "My Insurance Already Covers Everything"

Car insurance and protection plans play very different roles. Your standard auto policy is built to handle:

• Liability if you hurt someone or damage their property  
• Collision repair after an at-fault crash  
• Comprehensive events like theft, fire, hail, and sometimes vandalism  

It does not usually pay for:

• A blown engine that fails from normal use  
• Faulty electronics or a dead infotainment unit  
• AC that quits in the middle of a heat wave  

Extended protection can fill some of those gaps.

Here is how some extra protections help:

• Theft protection programs can add benefits like replacement allowances or help with fees that regular insurance does not always cover.  
• Financial Loss protection can help cover the gap between what you owe and what your insurance payout is if the car is written off.  
• Job Loss coverage helps with payments after a covered job loss, which your auto insurer does not touch.  
• Road Hazard coverage helps with tire and rim damage from debris, which is often not part of a standard policy unless you claim under collision, and that can bring deductibles and rating changes.  

Think about a few common scenarios:

• Your vehicle is stolen halfway through a long loan, and the payout does not fully cover your balance.  
• You lose your job less than a year into a lease and need payment help while you look for new work.  
• You hit a summer pothole, bend a low-profile rim, and shred a tire. The shop bill stings, and you find out your insurance is not set up to deal with that kind of single wheel damage without a painful deductible or premium hit.  

Those are the gaps extended protections are designed to handle.

You can also decide to rely fully on your savings and basic insurance. That can work if your repair fund is strong and you are comfortable taking on those risks yourself.

Myth 5: “I’ll Never Use It, so It’s a Waste of Money”

Many confident buyers say this. The problem is that most people underestimate how pricey a medium repair can be.

Things that used to be simple are now complex assemblies:

• Modern headlight units with LEDs and auto-leveling  
• ADAS sensors that support lane assist and emergency braking  
• Even a basic transmission repair in a newer automatic  

Once you add labour and programming, a single bill can be a lot more than you expected.

The idea behind a car extended warranty or any protection program is simple. You trade a maybe-big repair bill for a planned smaller cost. It is a risk trade.

Here is one real-world data point. On Road Hazard-type programs, approval rates can be around 87 percent with an average claim around $449. That means many people actually use the coverage, instead of only a tiny group.

Still, value is not only about claims. Some drivers only care about pure math. Others care about peace of mind on long trips, rough roads, or in tight money seasons. Both views are valid.

To decide if it fits you, ask yourself:

• Is your vehicle used or higher km, and do you plan to keep it longer than three to five years  
• Could you comfortably pay a surprise $2,000 to $4,000 repair without touching rent, mortgage, or food money  
• Do you prefer steady, predictable costs, or are you okay rolling the dice on larger but less frequent bills  

There is no single right answer. The right plan depends on your comfort with risk and your cash cushion. For some people, that means full coverage. For others, it means a few targeted protections or none at all.

Smarter Questions to Ask Before You Say Yes or No

Here is how you keep control in the finance office and get past the myths.

Good questions to ask any provider or dealership:

• What is covered, and what is clearly excluded? Can I see it in writing?  
• Who actually approves and pays claims? How long do claims usually take?  
• Is coverage transferable if you sell the vehicle, and does that add resale value  

Quick tips to avoid common F&I mistakes:

• Do not let the talk start with “it is only this much per month.” Ask for the total cost, including all fees and taxes.  
• Compare at least two levels of protection, like a basic mechanical option plus Road Hazard or Theft, instead of a big pre-bundled package you do not understand.  
• Say no to anything that cannot be explained in plain language. If it sounds fuzzy, it probably is.  

Before your next visit to a dealer in Canada, make a short list:

• Must-haves based on your driving, like Road Hazard for rough roads, or Financial Loss if you have a longer loan  
• Nice-to-haves if the price and terms feel fair  
• Clear “no thanks” items that do not fit your situation  

You can treat early summer as a reset point. New trips, fresh construction zones, and changing repair costs are real. With solid questions and a clear head, you can ignore the myths and pick protections that match how you drive.

Protect Your Vehicle And Budget With Confidence

Keep your vehicle on the road longer with coverage designed to handle costly, unexpected repairs before they impact your budget. At Auto Shield Canada, we offer a flexible car extended warranty that helps you avoid surprise bills and drive with peace of mind. If you have questions or want help choosing the right coverage, simply contact us and our team will walk you through your options.