State of Mind wrap coverage offers exclusionary coverage up to 150,000 miles for all major brands, protecting many of the components your factory warranty does not.
The average car is made up of nearly 30,000 separate parts!
Which parts are you prepared to replace once your manufacturer's warranty expires? Browse and explore further ways to shield yourself from costly future repairs.
We provide an array of coverage options, levels, and terms, with included benefits, to easily find the ideal plan for your budget and needs.
Wear & Tear
Available with surcharge on all coverage levels, this option provides coverage for covered components that are worn beyond the manufacturer's specifications.
Seals & Gaskets
Available with a surcharge on all coverage levels, this option provides replacement of seals and gaskets that are leaking fluids (lubricants or coolant).
Commercial Use
Available with a surcharge on all coverage levels, this option provides coverage for any vehicle licensed or used for business purposes, including delivery services. Excluded vehicles include taxis, emergency, police, limo, shuttles, rental, tow, and dump vehicles. This surcharge is mandatory as it applies.
Protection Benefits
ENGINE: Cylinder block, cylinder heads, and all internally lubricated parts including: pistons, piston rings, connecting rods, connecting rod bearings, crankshaft and main bearings, camshaft and lifters/followers {lifters or followers which have not failed, and only require cleaning are NOT covered), intake and exhaust valves, push rods, rocker arm shafts, rocker arms, timing drive components including timing chain/belts (timing chain or belt which is being changed as part of the manufacturer's preventive maintenance schedule, is NOT covered). Valve train covers, intake and exhaust manifolds, flywheel, oil pump, and oil pan. Internal engine sensors. Without the optional Seals & Gaskets coverage, cylinder head gaskets and intake manifold gaskets are covered for coolant leaks only.
AUTOMATIC TRANSMISSION: Case and all internally lubricated parts: planetary gear systems, clutch and steel packs, clutch drums, bands, internal seals, pump, valve body, and overrunning or one-way clutch assemblies. Torque converter and the torque converter housing.
STANDARD TRANSMISSION: case and all internally lubricated parts, including: input shaft, output shaft, idler shafts, main shaft, all internal gears, shift forks, and synchronizer assemblies. (Standard transmission clutch assemblies, linkages, and hydraulic clutch units are not covered).
TRANSFER CASE: Transfer case on all four-wheel drive vehicles and all internally lubricated parts.
DIFFERENTIAL: Front or rear differential housing and all internally lubricated parts. Front or rear drive shaft, universal joints, yokes, and carrier bearing. Front or rear axles and axle joints. (Wheel bearings and CV or slip joint damage due to boot failure are NOT covered).
SEALS & GASKETS: Only covered as part of an authorized repair unless the optional Seals & Gaskets coverage is elected.
FUEL SYSTEM: Primary fuel pump.
CODLING SYSTEM: Fan and fan clutch, electric fan motor, and primary water pump.
AIR CONDmONING: Compressor, compressor clutch, clutch coil, evaporator, and condenser on vehicles with factory-installed air conditioning originally equipped with R134a.
STEERING: Steering gear, rack and pinion, and all internal parts. Power steering cooler and lines.
SUSPENSION: Front or rear springs that are broken. Control arms, front or rear radius arm, and bushings. Swaybar links. Rear trailing arms and bushings, control arm bushings, and upper or lower ball joints. Front-wheel bearings. (Wheel alignment if needed as part of a covered repair).
BRAKES: All brake components, including all components of the anti-lock brake system including: wheel cylinders, front or rear calipers, brake springs, pins, hardware kits, wheel speed sensors, (sensors damaged by bad wheel bearings are NOT covered), brake hoses, brake lines, brake combination or proportioning valves, master cylinder, ABS pump, ABS module, ABS hydraulic unit, ABS hydraulic control unit, and ABS accumulator. (Brake linings, pads, rotors, and drums are NOT covered).
ELECTRICAL: Alternator, voltage regulator, front or rear wiper motors (headlamp wiper assemblies are NOT covered), starter motor, starter solenoid, power window motors and regulators, power seat motors, and power lock actuators. Ignition switch. Power antenna motor, sunroof motor, and convertible motors.
Includes everything listed under State of Mind Silver, PLUS all of the following additional parts:
ENGINE: All factory-installed sensors used to monitor engine performance, including oxygen MAS, MAP, TPS, vacuum, coolant temp, knock, cam, crank and oil level, oil pressure, fan temperature, and EGR position sensors. Engine control module, fuel injection control module. External engine components including: harmonic balance, crankshaft pulley, engine mounts, idler pulleys, intercooler, belt tensioners, timing cover, emission air pump, control valve, crankcase ventilation valve, EGR valve, cooler, throttle body, idle air control motor or solenoid, factory oil cooler, oil filter adapter, and thermal vacuum valves.
TRANSMISSION: Internal or external solenoid packs and factory electronic control modules. Power train module, and shift control modules.
DIFFERENTIAL AND TRANSFER CASES: External shift solenoids, levers, or mechanisms.
COOLING SYSTEM: Radiator, fan control module, heater motor, heater control module, coolant pump for the heater, coolant heater solenoids or control valves. (Dash control unit and engine thermostat are NOT covered).
STEERING: Power steering pump (electric or mechanical).
ELECIRJCAL: Sunroof motors, convertible top motors or actuators, wiper delay module, neutral safety switch, brake light switch, ignition key warning buzzer, power antenna, power mirrors, cruise control computer and actuator, power trunk, tailgate, hatch, and side door motors or actuators (GPS, radio, stereo systems, CD changers, MP3 players, lV, disc players, satellite radio, and OnStar units are NOT covered).
FUEL SYSTEM: Primary and secondary fuel pumps, fuel injectors, fuel rails, fuel pressure regulator(s), and fuel control module.
TURBOCHARGER/SUPERCHARGER: Factory-installed turbo/supercharger, wastegate, and control module.
RENTAL CAR: Modified to $35 per day for up to 5 days after a covered claim is opened.
EMERGENCY ROAD SERVICE: Modified to $100 maximum for any covered services.
LABOR: Modified to $150 maximum based on Mitchell accepted flat rate time to repair or replace a covered component.
FLUIDS: Up to $100 fluid allowance for any covered repair including R134a refrigerant.
DIAGNOSTIC CHARGES: Up to 2 hours or $100 diagnostics coverage (whichever is less).
This premium-tier protection encompasses all original mechanical or electrical components, except for those items listed in your contract's exclusions section. Coverage also includes all of the additional benefits listed on the outside panel of this brochure, plus the following:
RENTAL CAR: Modified to $50 per day for up to 7 days after a covered claim is opened.
LABOR: Labor rate is modified up to $150 based on Mitchell accepted flat time to repair or replace a covered component as part of an authorized repair.
FWIDS: Up to $200 fluid allowance for any covered repair including R134a refrigerant.
DIAGNOSTIC CHARGES: Up to 2 hours or $200 diagnostics coverage (whichever is less).
If your vehicle is currently under a manufacturer's powertrain warranty, you can extend your protection and embrace high-level exclusionary coverage at a lower rate with the State of Mind Platinum Wrap
This plan covers all approved repairs for any failure** EXCEPT any component that was originally covered under the manufacturer's power train warranty, and those items listed in the exclusions section* of your contract.
Coverage also includes all the great additional benefits listed on this brochure, PLUS the following:
RENTAL CAR: Up to $50.00 per day for up to 7 days after a covered claim is opened.
LABOR: Modified to $150.00 maximum.
FLUIDS: Modified to $200.00 maximum fluid allowance for any covered repair including R134a refrigerant.
DIAGNOSTIC CHARGES: Modified to up to 2 hours or $200.00 diagnostics coverage (whichever is less).
Additional Benefits
24/7 Emergency Road Services
Available at no cost for towing up to 25 miles, battery jumpstart, flat tire change, fuel delivery, and
locksmith services.
Trip Interruption
Reimbursement for food/lodging expenses, up to $90.00 per day for up to three (3) days if a covered mechanical breakdown occurs more than 100 miles from home. Only included with Comprehensive and Elite Coverages.
Rental Car Reimbursement
Reimbursement for rental vehicle expenses, up to $30.00 per day for up to three (3) days after a covered claim is opened, when due to covered repair work.
Competitive Labor Rates
Labor charges are based on Mitchell flat rate time to repair or replace a covered component up to $150.00 per hour of posted labor time.
Nationwide Coverage
Access to an authorized repair network anywhere in the United States.