FREQUENTLY ASKED QUESTIONS

A Vehicle Identification Number (VIN) is a 17-character code unique to your vehicle. To find your VIN, look in the following places: The vehicle registration or title, your insurance card, the driver's side dashboard or door jam.

Buffalo Metropolitan FCU offers plans for all vehicles 10 years old or newer and up to 150,000 miles. Options are available to ensure you can customize your plan to fit your needs.

You are not required to get a vehicle inspection when choosing a coverage plan. Keep in mind that pre-existing conditions are not covered.

A pre-existing condition is one that, within all reasonable mechanical probability relates to the mechanical condition of your vehicle prior to contract issuance. Failures that occur or begin to occur before the date of contract are not eligible for coverage under your contract.

Your coverage is active from the inception of the contract.  As noted, Pre-Existing conditions are not covered.

If your vehicle requires service for components covered under your vehicle service contract, all you have to do is contact any licensed repair facility. We can help you find a licensed repair facility by contacting us at (716) 847-6960

Every auto protection plan or vehicle service contract (VSC) we offer comes with a full 30-day money-back guarantee. Our “return policy” is simple. We consider your first 30 days with a new VSC a “review period.” Take your time, read through your policy, and discuss it with your family. If you decide for any reason that this isn't the vehicle service contract for you, call us at (716) 847-6960. As long as you haven't used your policy during those 30 days, we'll be able to refund your money and cancel your contract.

To keep your vehicle protection plan active, follow these best practices:

• Read and understand your vehicle service contract to know what is covered and what can potentially void your plan.
• Have your car serviced on time by scheduling routine maintenance checks.
• Keep receipts and service records to assure that you have a paper trail of all your maintenance services if you ever need them.

You can cancel your service contract at any time. Your refund will be prorated based on the amount of time/miles left on your contract, minus a small cancellation fee.

Buffalo Metropolitan FCU offers a wide variety of plans to ensure common and major auto repairs are covered. Check your individual vehicle service contract for details.

CONTRACTS:
Sample Auto TechGuard Gold Vehicle Service Contract
Sample Auto TechGuard Silver Vehicle Service Contract
Sample Auto TechGuard Bronze Vehicle Service Contract
Sample ExoBundle Protection Contract
Sample ExoGloss Protection Contract
Sample TruWarranty Powersports Service Contract

BROCHURES:
Auto TechGuard Vehicle Service Contract Brochure
Auto TechGuard Gold Vehicle Service Contract Overview Sheet
Auto TechGuard Silver Vehicle Service Contract Overview Sheet
Auto TechGuard Bronze Vehicle Service Contract Overview Sheet

Yes, it is, and by transferring your vehicle service contract to the new owner when selling your car, truck, or SUV, you immediately increase your vehicle's value. Buffalo Metropolitan FCU can also cover any new vehicles you purchase, saving you money and allowing you to work with a provider you know and trust.

1. Trust: As the direct administrator of our plans, Buffalo Metropolitan FCU handles everything from quote to claim with no middleman and no runaround. Our vehicle protection plans are crafted by certified mechanics and endorsed by actual customers.
2. Expansive Coverage: Buffalo Metropolitan FCU provides the most comprehensive lineup of auto protection plans in the industry. We offer customizable plans for vehicles up to 10-years-old.
3. Value: We offer value-added benefits to help make a driver's investment in vehicle protection worth it. Benefits such as 24/7 roadside assistance, trip interruption insurance, car rental coverage all offer drivers peace of mind and safety for the road ahead.

Our vehicle protection plans are 100% insured by some of the nation's largest and most respected insurance companies. Our insurance providers have been in this business for a very long time and are guaranteed to be there when you need them.

Unlike most extended warranties, compassVSC auto protection plans are honored at any licensed repair facility anywhere in the nation. These facilities include dealerships, chain shops, or your local repair shop. Even if you are away from home, your vehicle will still be covered when you need repairs. To connect customers with certified mechanics at shops nationwide, we suggest RepairPal, the largest auto repair certification provider. To find a local shop near you, visitRepairPal.com

Generally, the repair shop where you take your car will submit your claim. Once your claim is approved, the shop performs the repairs and submits an invoice directly to Buffalo Metropolitan FCU . Claims are paid upfront, directly to the repair shop, for ALL covered repairs. We take care of the costs of parts, labor, and taxes associated with your vehicle protection plan. No waiting for reimbursement. No high out-of-pocket expense. We get you back on the road fast.

We suggest taking immediate action after a breakdown by contacting Buffalo Metropolitan FCU . Our friendly customer service team is ready to help you begin the process of filing a claim. We can also help you find a licensed repair shop to get started on fixing your car. In the case of a breakdown, contact our 24/7 roadside assistance using the number listed on your service contract. A tow truck can help you take your car to a licensed repair facility, and from there, you can instruct the service manager to contact Buffalo Metropolitan FCU to obtain authorization for the claim. It's important to note that filing your claim right away can help prevent further damage.

After you file your claim, we will complete a final review to issue the authorization. All you have to do is sit back and relax while your car is repaired. We will reimburse the shop for the cost of the parts and labor, and you’ll be back on the road in no time.

We realize that one size doesn’t fit all when it comes to vehicle service contracts (VSCs), so we offer more flexibility than any other provider. You’re able to get coverage on as little or as much of your vehicle as you like. Whatever you need, whatever your budget, we offer a coverage that works for you. Buffalo Metropolitan FCU also offers flexible payment plans to ensure you’re covered without breaking the bank.

To update your payment method, you may visit your payment providers' site or contact us at: (716) 847-6960.

We pay for your vehicle repairs directly. You’ll never have to wait for a reimbursement check if you have a vehicle protection plan from Buffalo Metropolitan FCU . Choose the licensed repair facility that you want to repair your vehicle, and we'll pay for the covered parts, labor, and tax directly.

You can access your 24/7 roadside assistance benefits using the phone number listed on your contract. All you need to do is provide the location and condition of your vehicle, and help will be on the way.