Hearted Youtube comments on The Car Care Nut (@TheCarCareNut) channel.

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  3. AMD, this is the single most important video that you have done! Kudos to you for taking this to the task. The truth is that there are warranties (factory and Toyota Extra Care) and there are vehicle service contracts (VSCs). The factory warranty will cover parts and labor at 100% with NO deductible and use factory parts. VSCs have a long list of exclusions, can require the customer to pay a deductible and use aftermarket, rebuilt or even used parts. Furthermore, the VSC administrator will decide whether they will cover the cost of the repair or not. They could refuse to pay your mechanics' labor rate because they think it is too high. Here is the kicker, that VSC that is advertised on TV all the time has another gotcha - the removal, the tear-down, inspection and reporting fee. Yes, they could require this to decide if they will pay for the repair. In this removal, tear-down and inspection procedure, the owner is on the hook for this. Read the fine print! Check the BBB and other sources for VSC complaints before buying. VSCs may delay the start of your repairs while they think about whether they will be for the repair or not. VSCs are like insurance companies, you are dealing with an "adjuster" (administrator) that will decide your fate when you need a repair. If you buy a new car and the finance guy sells you a VSC, it is likely that the VSC coverage will start when you drive off the lot meaning you are paying for duplicate coverage with the factory warranty which will supersede the VSC coverage. You need to have the finance guy put in writing when that VSC period begins. Buy a Toyota or Lexus and do the required maintenance on time. My 2004 Tundra has the original brakes and clutch. The only repair that I have made was to replace the #2 O2 sensor because the heating element died. The part cost me $45.00 and 20 minutes of my time to replace it. Toyota's are bulletproof if you do the maintenance correctly and as scheduled. Save your money and take the money for the VSC and put that monthly fee in the bank for repairs. Better yet, take the money that you would sink into a VSC and use it to pay down your credit cards. AMD, thanks for discussing this misunderstood car ownership issue.
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