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Good information and advice above. The ones that pay directly to the repair facility with a corporate credit cards are preferred by the repair facilities. Get a copy of the service contract (these are not Extended Warranties, none of them are) and read it carefully, let a attorney read it and provide advise. If you understand the sevice contract there will be no surprises. The service contracts that are "exclusionary" seem to be the best..That is they will clearly state what IS NOT covered...everything else is.
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