CareGard® Warranty Services
Reference material on how vehicle protection programs are structured, administered and evaluated. Written for the dealers, agents and OEM partners who have to make decisions about them — not as marketing, and not as a sales tool.
Most of what is written about vehicle service contracts is written to sell them. These guides are an attempt at something else: an accurate account of how this business actually works, including the parts that are inconvenient to explain.
01
A due-diligence guide for choosing who will stand behind the contracts you sell. Separating the obligor from the administrator from the insurer, reading financial backing, understanding what claims data does and does not tell you, and the questions worth asking before signing.
For dealers and agents
02
Vehicle protection sold through a dealership and coverage marketed directly to consumers are frequently described as the same thing. They differ in who is obligated, how they are regulated, how they are priced, and how claims are handled. This explains the differences and why they matter.
For consumers, dealers and agents
03
A factual map of how third-party administrators are structured, owned and capitalized — captive, independent, insurer-owned, private-equity-held. What each model optimizes for, what it makes harder, and what it means for the people who depend on them. Ranks no one.
For dealers, agents and OEM partners
04
The proposed methodology for a recurring industry benchmark on F&I administration performance: definitions, denominators, disclosure standards and the rules a benchmark has to follow to be worth anything. Published as a specification so it can be argued with before it is used.
For the industry
05
Three of the largest administrators in automotive F&I have rewritten what their leadership benches look like, and their own org charts show it. What changed, why it changed, and how to read an administrator's leadership structure as a diligence input.
For dealers, agents and OEM partners
These are reference documents, not thought leadership. They are structured so you can read one section and leave, and they cite their sources so you can check the work rather than take our word for it.
Two commitments govern how they are written. They make no comparative claims. Where other companies appear, the information comes from those companies' own public disclosures and is reproduced factually, without ranking or characterization. Every figure is sourced. Where a number is CareGard's own, it is identified as company-reported so you can weigh it accordingly.
Each guide is reviewed annually. Where a document depends on data that changes — regulatory requirements, market structure, published rosters — the access date is noted in the text.
Nothing here is legal, tax, financial or investment advice, and none of it substitutes for your own diligence or your own advisors. Reasonable people in this industry disagree about several of the questions these guides address. Where that is true, we have tried to say so rather than present one view as settled.