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To protect..or not?
- Thread starter MuscleMan
- Start date
Yes. Circuit City offers it.
Here's their terms of agreement and stuff:
Terms and Conditions:
Here's their terms of agreement and stuff:
A Circuit City AdvantageSM Protection Plan for small/portable electronics provides a replacement - so there's no waiting for off-site repairs. If your product is defective, simply click here to request your replacement. Check out the specific services offered:
The Circuit City AdvantageSM Protection Plan for small/portable electronics starts on the date of purchase and extends for the life of the plan. The plan term is inclusive of the manufacturer’s warranty and store return policy.
Video game hardware, phones, portable audio, VCRs, 35mm cameras, kids’ electronics, fax machines, cool gadgets & more: Circuit City AdvantageSM Protection Plan coverage provides a gift card in the amount of the original purchase price. You can use it to purchase the same item, or anything else in the store or on our website.
Terms and Conditions:
WA111RPP405
Circuit CitySM Advantage Replacement Plan
Terms and Conditions
(See Section 16 for Terms and Conditions Applicable to Certain State Residents)
1. Parties. "We", "Us" and "Our" shall mean the company obligated under your service contract for the Circuit City Advantage Replacement Plan ("Plan"). Unless otherwise provided in Section 16 of these Terms and Conditions, the company obligated under the Plan is National Product Care Company, 1000 Milwaukee Avenue, Glenview, IL 60025 . The Circuit City Advantage Replacement Plan is only available in the 48 contiguous United States and Hawaii. "You" and "Your" mean the purchaser of the product(s) (collectively, "Product") covered under the Plan and any authorized transferee/assignee of the purchaser. The administrator of the Plan is Circuit City Stores, Inc. (the "Administrator"). Services are provided under the Plan by Circuit City Stores, Inc. ("Service Provider") or its authorized designee. The address of the Service Provider is the Circuit City store location where the Product was purchased, or Circuit City Stores, Inc., Service Contract Administration, 9950 Mayland Drive, Richmond, Virginia 23233.
2. Contract. These Terms and Conditions, together with the sales receipt or other evidence of Your purchase of the Plan ("Sales Receipt") shall collectively constitute the entire contract relating to Your coverage ("Contract"). The Sales Receipt describes the covered Product, the commencement date of the Plan (which is Your purchase date), and the duration of the Plan. Although We retain a record of Your Plan and Product purchase, You are encouraged to retain Your Contract as proof of ownership.
3. Coverage.
A. The Plan covers certain small/portable electronics Products ("Electronics Products"), as well as Movies, Video Game Software, and Music ("Entertainment Media"), as more particularly described in Your Contract. Electronics Products and Entertainment Media are sometimes referred to generally in these Terms and Conditions and Your Sales Receipt as the "Product."
B. For Electronics Products, We will perform replacement services under the Contract subject to these Terms and Conditions in the event that the covered Product fails to provide normal operating condition in accordance with the manufacturer’s written specifications, provided that such service is necessitated by Product failure during normal non-commercial use. The Plan also specifically covers loss or damage resulting from power surges to Electronics Products. There is no deductible required to obtain service.
C. For Entertainment Media, We will perform replacement services under the Contract subject to these Terms and Conditions in the event that the covered Product fails to provide normal operating condition in accordance with the manufacturer’s written specifications, provided that such service is necessitated by Product failure or scratches during normal non-commercial use. There is no deductible required to obtain service.
D. For Electronics Products and Entertainment Media, if Your Product fails to operate in accordance with the manufacturer’s specifications within thirty (30) days of Your Product purchase date, You are entitled to take advantage of Circuit City’s 30-day Return Policy by returning the Product to any Circuit City store location. If Your Electronics Product fails to operate after the thirtieth (30 th) day following Your Product purchase date, and provided that all other conditions of the Contract are satisfied, You should follow the service steps set forth in Section 4 of these Terms and Conditions. If Your Entertainment Media fails to operate after the thirtieth (30 th) day following Your Product purchase date, and provided that all other conditions of the Contract are satisfied, You should follow the service steps set forth in Section 5 of these Terms and Conditions. THE PLAN IS INCLUSIVE OF THE MANUFACTURER’S WARRANTY. THE PLAN DOES NOT REPLACE THE MANUFACTURER’S WARRANTY BUT ADDS CERTAIN ADDITIONAL BENEFITS DURING THE TERM OF THE MANUFACTURER’S WARRANTY PERIOD.
4 . What To Do When Your Electronics Product Fails to Operate. You must take the following steps to obtain replacement service under this Plan if Your Electronics Product fails to operate after the thirtieth (30 th) day following Your Product purchase date:
A. Do not return Your Product to a Circuit City store location. You are required to initiate a claim for service online or by phone prior to expiration of the Plan term stated on the Sales Receipt in order to be eligible for Product replacement. If You have Internet access, You may go to www.ccaprotectionplan.com to initiate Your service claim electronically. If You do not have Internet access, You may call the Circuit City Call Center at 1-800-871-2761 to initiate Your claim. At the time You initiate Your service claim and Your coverage is verified, You will be required to return ship the defective Product as a condition of receiving a replacement. You will be given the opportunity to download and print a pre-paid shipping label online at www.ccaprotectionplan.com . If You initiate Your claim through the call center, You will be mailed a pre-paid shipping label.
B. If available, please use the original box and packing material to ship Your defective Product, as it will provide the best protection. You must include the owner’s manual and all accessories and parts that came with the Product, subject to Section 4.C. below. Once You receive Your pre-paid shipping label (either by downloading from the Internet or by mail), affix it to the package according to the instructions on the label. If a defective Product for which a claim is properly initiated is not received within thirty (30) days after expiration of the Plan term stated on the Sales Receipt, the claim shall be deemed withdrawn by You.
C. You will be notified via e-mail (if Your e-mail address was provided) or by U.S. mail if Your claim cannot be processed due to missing accessories, parts or owner’s manual. Products will be retained for at least thirty (30) days. If You do not ship the missing accessories, parts or owner’s manual within such time, at Your own expense, We shall have the option, at Our sole discretion, to (1) deduct the cost of the missing accessories, parts or owner’s manual from the amount to which You are entitled for replacement, or (2) cancel the claim and return the Product to You at Your expense. Products found to be non-defective or excluded from coverage will be automatically returned to You at Your expense.
D. You will receive claim updates via e-mail if You have provided Us with Your e-mail address. You may also check the status of Your claim at any time by going to www.ccaprotectionplan.com and typing in Your ticket number as Your password. To check the status of Your claim if You do not have Internet access, please call 1-800-871-2761.
E. If Your claim is verified, the Administrator will issue a Circuit City Gift Card to You equal to the original purchase price of the Product. Notwithstanding the above, the Administrator, on Our behalf and in Our sole discretion, reserves the right to provide You a rebuilt product of like kind and quality, though not necessarily the same brand or original purchase price, as an alternative to the issuance of a Circuit City Gift Card.
F. A Circuit City Gift Card issued under this Plan may be used to purchase the replacement of Your choice, at any Circuit City store location. You are responsible for any difference between the purchase price of Your selected replacement and the amount paid for the covered Product. Any excess funds will be placed on a Circuit City Gift Card. You cannot redeem the Circuit City Gift Card for cash. The Gift Card is not valid for payment on a Circuit City Credit Card. If lost or stolen, only the balance remaining on the Gift Card at the time an original receipt is presented will be reissued. The Circuit City Gift Card does not have an expiration date. Any balance remaining on a Circuit City Gift Card may be used for future purchases. The law of the Commonwealth of Virginia shall apply to the Circuit City Gift Card. Please refer to the Gift Card for controlling terms of use.
G. Upon issuance of a Circuit City Gift Card, or if You are provided a rebuilt product as a replacement, the Contract for Your Electronics Product is deemed fully satisfied. The Contract shall not be transferable to any replacement product, unless otherwise required by state law.
5 . What To Do When Your Entertainment Media Fails to Operate. You must take the following steps to obtain replacement service under this Plan if Your Entertainment Media fails to operate after the thirtieth (30 th) day following Your Product purchase date:
A. Do not return Your Product to a Circuit City store location. You are required to initiate a claim for service online or by phone prior to expiration of the Plan term stated on the Sales Receipt in order to be eligible for Product replacement. If You have Internet access, You may go to www.ccaprotectionplan.com to initiate Your service claim electronically. If You do not have Internet access, You may call the Circuit City Call Center at 1-800-871-2761 to initiate Your claim. At the time You initiate Your service claim and Your coverage is verified, You will be required to return ship the defective Product as a condition of receiving a replacement. You will be given the opportunity to download and print a pre-paid shipping label online at www.ccaprotectionplan.com . If You initiate Your claim through the call center, You will be mailed a pre-paid shipping label.
B. If available, please use the original box and packing material to ship Your defective Product, as it will provide the best protection. If Your Product is a boxed or multi-disc set, You must return the Product in its entirety with all original content. You also must include the owner’s manual/instructions and all accessories and parts that came with the Product, subject to Section 5.C. below. Once You receive Your pre-paid shipping label (either by downloading from the Internet or by mail), affix it to the package according to the instructions on the label. If a defective Product for which a claim is properly initiated is not received within thirty (30) days after expiration of the Plan term stated on the Sales Receipt, the claim shall be deemed withdrawn by You.
C. You will be notified via e-mail (if Your e-mail address was provided) or by U.S. mail if Your claim cannot be processed due to missing accessories, parts or owner’s manual/instructions. Products will be retained for at least thirty (30) days. If You do not ship the missing accessories, parts or owner’s manual within such time, at Your own expense, We shall have the option, at Our sole discretion, to (1) deduct the cost of the missing accessories, parts or owner’s manual/instructions from the amount to which You are entitled for replacement, or (2) cancel the claim and return the Product to You at Your expense. Products found to be non-defective or excluded from coverage will be automatically returned to You at Your expense.
D. You will receive claim updates via e-mail if You have provided Us with Your e-mail address. You may also check the status of Your claim at any time by going to www.ccaprotectionplan.com and typing in Your ticket number as Your password. To check the status of Your claim if You do not have Internet access, please call 1-800-871-2761.
E. If Your claim is verified, the Administrator will (1) replace the Product with a new product of the same title, or (2) replace the Product with a previously used product of the same title, if a new product of the same title is not reasonably available, or (3) issue to You a Circuit City Gift Card, if a previously used replacement product of the same title is no longer reasonably available. The Gift Card shall be equal to the original purchase price of the Product, excluding sales tax. Please refer to Section 4.F. above and the Gift Card for controlling terms of use.
F. Upon replacement of the Entertainment Media or issuance of a Circuit City Gift Card, the Contract for Your Entertainment Media is deemed fully satisfied. The Contract shall not be transferable to any replacement product, unless otherwise required by state law.
6. Exclusions from Coverage. Your Plan does not cover the following:
A. REPLACEMENT NECESSITATED BY LOSS OR DAMAGE RESULTING FROM ANY CAUSE OTHER THAN NORMAL USE AND OPERATION OF THE PRODUCT IN ACCORDANCE WITH THE MANUFACTURER’S SPECIFICATIONS, INCLUDING BUT NOT LIMITED TO, THEFT, EXPOSURE TO WEATHER CONDITIONS, NEGLIGENCE, ACCIDENT, MISUSE, ABUSE, IMPROPER ELECTRICAL/POWER SUPPLY, UNAUTHORIZED REPAIRS, IMPROPER INSTALLATION OR ATTACHMENTS, TRANSPORTATION DAMAGE (EXCEPT DAMAGE INCURRED BY AUTHORIZED SHIPMENT OF THE PRODUCT TO AND FROM AN AUTHORIZED SERVICER), DAMAGE TO CABINETRY, LACK OF MANUFACTURER SPECIFIED MAINTENANCE, IMPROPER EQUIPMENT MODIFICATIONS, VANDALISM, ANIMAL OR INSECT INFESTATION, RUST, DUST, CORROSION, DEFECTIVE BATTERIES, BATTERY LEAKAGE, BURNED PHOSPHOR (INCLUDING IMAGE GHOSTING), PIXEL BURNOUT NOT IN ACCORDANCE WITH THE MANUFACTURER’S SPECIFICATIONS, ACTS OF NATURE, OR ANY OTHER PERIL ORIGINATING FROM OUTSIDE OF THE PRODUCT.
B. LOSS OF RECORDING MEDIA, SOFTWARE OR DATA.
C. CONSUMABLES SUCH AS BATTERIES, TONER, RIBBONS, DRUMS, BELTS, OR CONSUMER REPLACEABLE PRINTER HEADS. D. COMMERCIALLY-USED PRODUCTS.
E. PRODUCTS WITH REMOVED OR ALTERED SERIAL NUMBERS OR SERIAL NUMBERS THAT DO NOT MATCH/INDICATE IT AS A PRODUCT PURCHASED AT A CIRCUIT CITY STORE.
F. ANY REPAIR THAT IS A RESULT OF A RECALL, REGARDLESS OF THE MANUFACTURER’S ABILITY TO PAY FOR SUCH REPAIRS.
G. PRODUCTS LOCATED OUTSIDE OF THE 48 CONTIGUOUS UNITED STATES AND HAWAII.
H. BLANK CDs, DVDs, OR OTHER MEDIA.
I. CLEANING OR OTHER PREVENTATIVE MAINTENANCE.
J. ANY AND ALL PRE-EXISTING CONDITIONS THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THE CONTRACT.
K. REPLACEMENT OF PRODUCT(S) UPON THE NONCOMPLIANCE BY YOU OF ANY PART OF SECTION 10.
7. Cancellation. You may cancel the Contract for any reason at any time. We may cancel the Contract only under the circumstances provided in Section 7.C. below.
A. If You cancel the Contract within thirty (30) days of receipt of the Contract, You will receive a full refund. If You purchased the Contract at a Circuit City store location, You may initiate cancellation of Your Contract within the first thirty (30) days at any Circuit City store location. If You purchased the Contract by phone or via Internet, You may initiate the cancellation of Your Contract at any Circuit City store location or submit a written notice to the Administrator at Circuit City Stores, Inc., Service Contract Administration, 9950 Mayland Drive, Richmond, Virginia 23233.
B. If You initiate cancellation of Your Contract at any time after the first thirty (30) days of receipt of the Contract, You will receive a pro-rata refund based on the remaining portion of the Contract purchase price, less an administrative fee equal to the lesser of ten percent (10%) of the Contract purchase price or Twenty-Five Dollars ($25.00), unless otherwise provided by state law. Your refund will also be reduced by the amount paid in claims, unless otherwise provided by state law. You may initiate cancellation of the Contract after the first thirty (30) days either at a Circuit City store location or submit written notice to the Administrator at the address provided in Section 7.A. above.
C. We can cancel the Contract only for non-payment by You, material misrepresentation, fraud or any other violation of these Terms and Conditions. If We cancel the Contract after the first thirty (30) days for any reason other than non-payment by You, Your refund will be pro-rated based on one hundred percent (100%) of the remaining portion of the Contract purchase price, less any claims paid unless otherwise provided by state law.
8. Transfer of Contract. Your rights under the Contract are transferable to another person at any time by providing written notice to the Administrator at Circuit City Stores, Inc., Service Contract Administration, 9950 Mayland Drive, Richmond, Virginia 23233. The notice must include the name, address and phone number of the person to whom the Contract is being transferred. Your transfer takes effect as soon as the Administrator receives Your written notice.
9. No Renewals. The Plan is not renewable.
10.Your Requirements under the Contract. For the Contract to remain active, You must maintain the covered Product in accordance with the service requirements set forth by the manufacturer’s specifications, including cleaning. You must provide proper electrical requirements as specified by the manufacturer. In addition, You promise and assure full cooperation with the Service Provider and authorized servicers.
11. Limitation of Liability. Our total liability under the Contract is the retail cost of any replacement product as provided in accordance with the Contract. To the extent permitted by law, neither the company obligated under the Contract, the Administrator, the Service Provider or its designees, nor the insurer (see Section 12 below) shall have any liability for incidental or consequential damages related to any service provided under the Contract.
12. Contract Insurer. Unless otherwise provided in Section 16 of these Terms and Conditions, Our obligations under the Contract are insured by a policy of insurance issued by Virginia Surety Company, Inc., 1000 Milwaukee Avenue, Glenview, IL 60025, 1-800-209-6206 (the "Contract Insurer").
13. Governing Law. Unless otherwise governed by applicable state law, the Contract shall be interpreted and enforced in accordance with the laws of the Commonwealth of Virginia.
14. Contract Provisions. If there is a conflict between the Contract and information communicated either orally or in writing by the company obligated under the Contract, the Service Provider, the Administrator, or the respective employees or agents of any of them, the provisions of the Contract shall control.
15. Subrogation. In the event Your covered Product is replaced under the terms of the Contract, You agree to subrogate and assign Your rights of recovery to Us and/or the Service Provider. You will be reimbursed for any reasonable costs and expenses You may incur in connection with the assignment of Your rights. You will be made whole before We and/or the Service Provider retain any amounts that may be recovered.
16. State Variations. The following state variations will control if inconsistent with any other provisions:
Alabama Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Arizona Residents: The company obligated under the Plan is Service Saver, Incorporated, 1000 Milwaukee Avenue, Glenview, IL 60025 . No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation. In Section 6 of these Terms and Conditions ("Exclusions from Coverage"), the statement: " any and all pre-existing conditions THAT OCCUR prior to the effective Date of thE contract" does not apply in the state of Arizona. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
California Residents: Informal dispute resolution is not available. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract.
Connecticut Residents: If You purchased this Contract in Connecticut, You may pursue arbitration to settle disputes between You and the Service Provider of this Contract. A written complaint may be mailed to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142-0816, Attention: Consumer Affairs. The written complaint must describe the dispute, the purchase price of the Product and cost of repair, and include a copy of the Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Florida Residents: The company obligated under the Plan is Service Saver, Incorporated , 1000 Milwaukee Avenue, Glenview, IL 60025 . The license number is: 80173. Section 7 (C) of these Terms and Conditions is amended to read as follows: If We cancel the Contract, Your refund will be pro rated based on one hundred percent (100%) of the remaining portion of the Contract purchase price. Claims paid shall not be deducted from the amount to be refunded upon cancellation of the Contract by Us. This contract shall be interpreted and enforced in accordance with the laws of the state of Florida.
Georgia Residents: If You cancel after thirty (30) days of receipt of Your Contract, You will receive a pro rata refund of the Contract price. In the event of cancellation by Us, notice of such cancellation will be in writing and given at least thirty (30) days prior to cancellation. Cancellation will comply with Section 33-24-44 of the Code of Georgia. Claims paid and/or administrative fees shall not be deducted from any refund owed as a result of cancellation by Us or by You. In Section 7.C. of these Terms and Conditions ("Cancellation"), the first sentence is replaced with "We can cancel the Contract only for non-payment by You, material misrepresentation or fraud." Section 6.J. of these Terms and Conditions ("Exclusions from Coverage") is changed to "Any and all pre-existing conditions known by You that occur prior to the effective date of this Contract." In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Hawaii Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract.
Illinois Residents: In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Kentucky Residents: In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Maine Residents: The company obligated under the Plan is Circuit City Stores, Inc., Warranty Administration, 9950 Mayland Drive, Richmond, Virginia 23233 . The provisions of Section 12 do not apply to residents of Maine.
Maryland Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract.
Michigan Residents: If performance under the Contract is interrupted because of a strike or work stoppage at the Service Provider’s or Our place of business, the term of the Contract shall be extended for the period of the strike or work stoppage.
Nevada Residents: We may not cancel this Contract without providing You with written notice at least 15 days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of the Contract. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. This Contract shall be interpreted and enforced in accordance with the laws of the State of Nevada.
New Hampshire Residents: In the event You do not receive satisfaction under this Contract You may contact the New Hampshire insurance department at New Hampshire Insurance Department, 21 South Fruit Street, Concord, New Hampshire 03301, telephone number 603-271-2261. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
New Mexico Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within sixty (60) days of receipt of a returned Contract. We may not cancel the Contract without providing You with written notice at least fifteen (15) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. If the Contract has been in force for a period of seventy (70) days, We may not cancel before the expiration of the Contract term or one (1) year, whichever occurs first, unless (a) You fail to pay any amount due; (b) You are convicted of a crime which results in an increase in the service required under the Contract; (c) You engage in fraud or material misrepresentation in obtaining the Contract; or (d) You commit any act, omission, or violation of any terms of the Contract after the effective date of the Contract which substantially and materially increases the service required under the Contract.
New York Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
North Carolina Residents: You understand that the purchase of the Contract is not required to purchase or to obtain financing for the Product. We may not cancel the Contract except for nonpayment by You or for violation of any of the Terms and Conditions of the Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Oklahoma Residents: The Contract is not issued by the manufacturer or wholesale company marketing the product covered by the Contract. The Contract will not be honored by such manufacturer or wholesale company. In the event the Contract is cancelled by You after the first thirty (30) days of receipt of the Contract, return of premium shall be based upon ninety percent (90%) of the unearned pro rata premium. In the event the Contract is cancelled by Us at any time or by You within the first thirty (30) days of receipt of the Contract, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium.
South Carolina Residents: You may notify the South Carolina Department of Insurance at PO Box 100105, Columbia, SC 29202-3105, 803-737-6180, with any complaints or questions regarding the Contract. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract.
Tennessee Residents: The expiration date of the Contract will automatically be extended by the duration that the Product is withheld from consumer use while being repaired, plus two (2) days.
Texas Residents: Unresolved complaints concerning a provider or questions concerning the registration of the company obligated under this Contract may be addressed to the Texas Department of Licensing and Regulation, PO Box 12157, Austin TX 78711. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Utah Residents: Coverage afforded under the Contract is not guaranteed by the Utah Property and Casualty Guaranty Association. Proof of loss should be furnished by You to the Administrator as soon as reasonably possible and does not invalidate a claim if You can show it was filed as soon as reasonably possible. There is no deductible required to obtain service for Your covered Product.
We can cancel the Contract during the first sixty (60) days of the initial annual term by mailing to You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation except that We can also cancel the Contract during such time period for nonpayment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel the Contract by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for cancellations due to nonpayment of premium, and thirty (30) days prior to cancellation date for any of the following reasons: (a) material misrepresentation, (b) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Contract, (c) substantial breaches of contractual duties, conditions, or warranties. The notice of cancellation must be in writing to You at Your last known address and contain all of the following: (1) the Contract number, (2) the date of notice, (3) the effective date of the cancellation and, (4) a detailed explanation of the reason for cancellation. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer. This Contract shall be interpreted and enforced in accordance with the laws of the State of Utah.
Washington Residents: We may not cancel the Contract without providing You with written notice at least twenty-one (21) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer. You are not required to wait sixty (60) days before filing a claim directly to the insurer. This Contract shall be interpreted and enforced in accordance with the laws of the State of Washington.
Wisconsin Residents: The company obligated under the Plan is Service Saver, Incorporated, 1000 Milwaukee Avenue, Glenview, IL 60025 . The Contract is subject to limited regulation by the Office of the Commissioner of Insurance of the State of Wisconsin. Proof of loss should be furnished by You to the Administrator as soon as reasonably possible and within one year after the time required by the Contract. Failure to furnish such notice or proof within the time required by the Contract does not invalidate or reduce a claim. The contract holder will be made whole before the Service Provider retains any amounts it may recover. Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of the Contract. In the event any covered claim is not satisfied within sixty (60) days after proof of loss has been filed, or if We cease to do business or go bankrupt, You may apply directly to the Contract Insurer.
Wyoming Residents: A ten percent (10%) penalty per month shall be applied to refunds not paid or credited within thirty (30) days of receipt of a returned Contract. This Contract shall be interpreted and enforced in accordance with the laws of the State of Wyoming.
