There is no question that merchants love warranties. They are the little extra that is added to the sale of a product and increases the profit derived from the original purchase. There is nothing wrong with warranties if you know what you are getting into. Unfortunately, many consumers do not. That can cause some rough problems.
Many warranties are a piece of paper with lots of words on them. In a rush, buyers do not have the time to read every sentence, and they agree to one based on what the sales representative is saying. A smart person is going to investigate that warranty before agreeing to anything. Some questions need answering.
- What is the length of the warranty?
For example, a large appliance such as a refrigerator ordinarily does not break down in the first year. Therefore, if you purchase a warranty that is one year to 18 months long, you might as well give the money to the merchant without bothering to buy the warranty.
- Is there a deductible clause?
Never assume that a warranty covers 100% of the repair costs. You may have to pay some of it out of your pocket.
- Who is doing the service?
This is true about car warranties. You may not be able to go to any repair shop but only to the dealer or a specified auto repair center. You need to know that upfront. The repair of a transmission is incredibly expensive, and if you go to the wrong place, you may be dealing with a bill totaling thousands of dollars.
- Do you honestly need it?
Computer warranties sound nice, but computers are in a constant state of upgrade. You may discover that you signed a five-year warranty and that your computer is no longer worth anything to you after three years and you buy a new one at a reasonable price. If that is the case, and you did not have any repairs when you owned the computer, you wasted your money on that warranty.
It sometimes makes things easier if you have a professional review the warranty before you sign it. Group legal plans might offer help with warranties, and Countrywide Pre-Paid Legal Services does. We will assist group legal plan members in interpreting what the language means.
We Use Professionals
A Countrywide network of attorneys provides the pre-paid legal services to our plan members. Every community has a Countrywide lawyer where there is a group legal plan client. It is easy to schedule a conference with any of our attorneys, and our plan members get priority attention.
An ordinary group legal plan member does not fully understand all the terminology in a warranty. Our attorneys do. They will explain the various clauses and answer any questions a person might have. We strongly urge you to have an attorney read the warranty before signing it. That way, you are making the best decision about purchasing a warranty. Our attorneys are there to help a person avoid making an expensive mistake.
Our Clients Are Always Involved
We offer several pre-paid legal services, and we want to be sure that our group legal plan document can help all employees. We ask the prospective client’s management to look at what we provide. We answer all the questions they ask and then let them make a decision. Countrywide will include those choices they want in the plan in the final document. Countrywide furnishes streamlined administration and superior member services for all our plan members.
Would you like to know more about pre-paid legal services? We hope you do, and we encourage you to contact us at your earliest convenience. We welcome any opportunity to explain what we offer and provide that assistance to your workforce.