US Warranty

Three words define the USWC approach to Vehicle Service Contracts (VSC): stability, expertise, and flexibility. Stability is demonstrated every day in that VSC’s are what we do. Unlike some much larger companies that enter and exit the product market every few years, USWC has been in the VSC industry since 1975. Very few companies can match that commitment.

Expertise is present in the customer skills and industry knowledge accumulated in our lengthy existence. Skills such as satisfying a concerned consumer and determining fraudulent claims are not learned overnight. They are never learned by companies without industry commitment. They are established and become core competencies over time. USWC has invested the time in this industry to provide the highest level of expertise available.

Finally, flexibility is represented in the dozens of privately owned warranty companies managed by USWC. Each of these companies offers slightly different coverage and limits. While USWC offers ‘off the shelf’ programs for customers requesting them, we specialize in providing customers more options than any competitor. It’s simple: give the customer exactly what he needs and wants!

Administrator Obligor (USWC Risk) – Custom designed programs where USWC assumes 100% of the claim risks are available in most states. These programs offer competitive rates and assorted coverage levels. Retro programs based on profitable loss ratios are also available.

Administrator Obligor (Seller Risk) – Designed in combination with a national accounting firm specializing in auto dealerships and warranty companies, USWC offers a unique concept in the VSC industry. In many states, auto dealer owners have the option of acting as the insuring entity on the VSC’s sold. To do this, however, the dealership owner must put the assets of the dealership up against the claim risk. In some cases, the dealership owner may also be required to put personal assets up against the claim risk.

USWC has designed a VSC program that affords the dealership owner all the benefits of traditional programs (underwriting profits, investment income on reserves, etc.) without risk to the dealership or personal assets. In many cases it also offers the dealership owner a significant tax advantage.