Claim steps

We’ll be there for you every step of the way, from the mechanical breakdown or failure of your vehicle, through the conclusion of your claim

In the Case of a failure or a breakdown
  • Assist in preventing further damage to the vehicle
  • Do not drive the car since it may cause more harm
  • When any of the lights or gauges suggest a problem, pull your car off the road and turn off the engine
  • Make the most of your Roadside Assistance perk
  • Present your Merit Administration Vehicle Service Contract to the repair facility
  • Ask Repair Shop to Contact Merit Administration before making any repairs
  • Call: 888-503-0724

Outside of office hours, emergency repairs are made

If you had emergency car repairs done outside of regular business hours without prior authorization

  • Contact Merit Administration immediately upon completion of the emergency repair


The following requirements must be met for emergency repairs:

  • Repairs are urgently required, and the administrator’s office is now closed
  • You must be unable to safely operate your car due to mechanical failure or breakdown
  • Your contract must cover any mechanical breakdown or failure
  • The total cost of repair and/or replacement cannot be more than $300


1. Deploy

When we receive your claim, a Claims Adjuster will be assigned to it. The Adjuster will do the following:

  • Obtain information on the breakdown or failure
  • Check the details on the Vehicle Service Contract

The contract holder is responsible for:

  • Check the details on the Vehicle Service Contract
  • If you are asked to submit any service records, please do so

2. Analyze

The repair facility will be able to:

  • Detect failure, do a disassembly and diagnostics
  • Submit a repair estimate for your car 

The Claims Adjuster will do the following:

  • Determine the scope of coverage
  • Examine your authorization request in light of the Vehicle Service Contract’s conditions

3. Resolution

We will work with you and your repair facility to fairly settle your claim by doing the following tasks:

  • Explicitly stating your insurance coverage for the required repairs
  • Explicitly stating your deductible amount, if applicable
  • Directly paying your repair shop for your vehicle’s covered repairs
  • Once your claim has been settled, you will be able to close it out under the terms of your Vehicle Service Contract


Got Questions? We’ve got answers for all your needs


100% Transferable. Transferring your service contract increases your vehicle’s resale value


Customers and repair facilities can file claims online or over the phone


Upload documents, records and images to our customer support and claims department