Claims FAQ

*Note: Consumers are not responsible or permitted to file a claim. All claims must be submitted by a repair facility. Repair facilities may file a claim through our start a claim page.

Gap claims are handled through our partner, Nation Safe Drivers. To file a gap claim, you can call the number listed on the contract and email gapclaims@nationsafedrivers.com.

As long as we have all the information necessary to process a claim, including the estimate with the parts and labor breakdown, the current odometer reading on the vehicle, and information about how the vehicle was diagnosed, the typical timeframe for a response is under 30 minutes, provided that the claim is submitted during normal business hours. 

The best practice is to file the claim on our website, as that submission form asks all necessary questions for beginning the process. Alternative methods of filing, such as phone calls or emails, can delay the processing time, as we may still have missing information or unanswered questions necessary for our approval process. 

All we need is for you to email us the signed copy of the repair order or estimate that was submitted for authorization, and we will pay via digital credit card; or, if you are an in-network repair facility, we can pay via direct ACH, avoiding any applicable credit card fees.

Our In-Network Program provides benefits to repair facilities that we have approved to work with us. The perks include:

• ACH payment on authorized claims
• Adding your location to our online in-network repair facility map
• Any customers with the disappearing deductible perk (which is the default on the majority of our contracts) will have a $0 deductible at any in-network facilities, allowing the customers to minimize any out-of-pocket expenses
• We actively refer business to in-network facilities in a customer’s area

If you would like to be added to our In-Network Program, click here.

Check out our In-Network Repair Facilities.

In February of 2021 Empire State Warranty was born but was too small to administrate their own contracts. Therefore they entered an agreement with sidecars truwarranty to white label our name on their vehicle service contracts to kickoff business in NY. By October of 2023, Empire State Warranty grew big enough to create and administer their own programs and effectively launched their own programs. What this means is, any contract sold prior to October of 2023 by Empire State Warranty are fully administered by truwarranty sidecars (now known as rosemark warranty services ) anything afte October 2023, Empire State Warranty fully administers with the exception of a few contracts that might still be under sidecars tru warranty (due to the transitionary period with our selling dealers).