Is Auto Repair Insurance Necessary?

Is Auto Repair Insurance Necessary?

You see commercials on TV and emails in your inbox trying to persuade you into purchasing Auto Repair Insurance. Most can be very convincing. So is this a wise choice to make?

The way this type of insurance is supposed to work is simple. Purchase the coverage for your vehicle while it’s still in proper running condition. Pay a premium either as a lump sum, monthly, annually, or some combination thereof. Once you’re covered, if you experience mechanical issues that require repair, the insurance is supposed to cover the cost, allowing you to avoid a hefty mechanic bill. This type of insurance is marketed as a great option for people, whose car is out of warranty, offering peace of mind in the face of potentially costly repairs.

Before going out and purchasing car repair insurance, it’s important to take a look at whether it’s actually worth the cost.

There is nothing more frustrating than paying for insurance only to find out that your particular repair isn’t covered. Frequently, you can only purchase this type of insurance while the vehicle is still relatively new, sometimes no older than 18 months old. New cars are still covered by a warranty, so you may be paying in advance for coverage that isn’t entirely necessary. This benefits the insurance company because they’re receiving money for a vehicle that is very unlikely to require immediate repairs, especially if it’s still covered by the warranty.

“A number of these third-parties (auto warranty companies) are fly-by-night operations that go belly up within a few years, costing consumers hundreds of dollars in out-of-pocket repairs and leaving them without coverage. A third-party warranty is so named because it has no direct business relationship with the product it covers. In this case, your car.”

When your car breaks down, that is not the time to find out that the insurance policy isn’t worth the paper it was written on. I recently spoke about this very topic on Teresa’s Garage Radio Show, in hopes of educating those contemplating owning such a policy. People know that car ownership can be expensive on the upkeep, especially when it breaks down.

If you are considering purchasing such a policy here is some advice I will offer.

First, do your research and do not go with those who “claim” to have the best coverage, like a bumper to bumper warranty. If you do not read the fine print, it may just only cover the bumpers. All kidding aside, these policies can be specific, or cover just the transmission and drive train components, but not the engine. Wording in the policy can be misleading.

But again, researching to find a reputable company is the key from being scammed, or in good hands.

Mechanic shops are not obligated to accept your third-party Repair Insurance, and in most cases will not negotiate pricing with the Insurance Company.  You may need to pay upfront and then deal with your claims adjuster to obtain payment. Some policies are limited to an hourly rate, which may not always be what the shop charges leaving you to pay the difference. This can also go for the parts that are to be installed. If you do elect to purchase a policy, make sure that you personally understand everything before paying up. Find out what kind of repairs the policy exempts from coverage, as well as how and when the deductible is applied, and whether or not you can choose your own mechanic.

Buyer Beware is a saying used often to alert consumers and holds true for this type of coverage. So before you sign on the dotted line, insure you have made a wise decision and know that you’re getting what you are paying for. Also, check out the Better Business Bureau when looking for repeatable companies.

Happy Motoring


Eddie Maloney, Women In Drag Racing

< 2018 >

Our next guest on Teresa’s Garage Radio Show, is Eddie Maloney , tune in Tuesday at 2 PM Pacific time, or Monday-Friday on

My special guest is the founder of Women In Drag Racing Magazine, Eddie Maloney. Eddie discusses how this magazine came to life and its future plans.

The magazine is in its infancy stages, so molding it into a prime magazine dedicated to al

l the women in racing is his focus.  Whether you are a racer, pit crew, spectator or car enthusiast, this magazine is for you. Teresa’s Garage Radio Show focuses on women in motorsports, various professions and works to empower women, or anyone who wishes to dive into their passions.

This is an automotive talk show, so if you have a question, call in during the show and join the conversation or simply ask a question. Toll free 844-790-8255. Or on podcast at

So listen in to hear his store.

Guest Eddie Maloney

Flat Track Racing, Ladies Style


Coming up, Saturday August 19, 2017 will be Flat Track Racing in Carson City, Nevada being held at Fuji Park. Check out the flyer and mark your calendar for an evening of great racing. Teresa’s Garage Radio Show will be interviewing one of the best racers who will be competing in this specific race, so go to Teresa’s Garage Facebook Page and keep checking when the interview will take place during the beginning of August.

This is more than just a race, this is a life style for these racers. Competing in these types of events are not cheap and maintaining all of your equipment can take a chunk out of your wallet. But that is not what drives these ladies, it is the excitement, the commitment, dedication and doing something they are passionate about.

More and more young women are taking to the track and letting their hair fly and their talent shine. A must see event.

Commitment To Quality, Aftermarket Parts

Commitment To Quality, Aftermarket Parts

Teresa is a top-notch mechanic with more than 40 years of experience repairing everything from Porsches to school buses. Currently she teaches a basic auto-repair class for women.

Recently I was invited to attend a national conference in Reno, Nevada being hosted by Automotive Parts Associates (APA) consisting of several automotive aftermarket parts companies.

APA is a group of aftermarket companies working together to bring quality and competitive pricing to the consumer when dealing with aftermarket parts in the automotive industry.

I was impressed with the concept of the conference because it was not just about bringing companies together and meeting each other, but to also discuss employee morale, how to maintain good employees, strategies and looking to the future in the automotive industry.

Many of the big players were present at the conference; here is just a small list: KYB, TYC lamps, Loctite, Seymour Paints, Purolator, Valeo, Desno, AC Delco, Delphi and Federal-Mogul, who actually owns many of the aftermarket companies we have come to know and love. Like, Fel-Pro, Wagner Brakes, Anco Blades, Sealed Power, National Oil Seals and Bearings, Champion Spark Plugs, just to name a few.

I had the pleasure of chatting with the folks from Federal-Mogul for almost an hour, and came away with a great understanding of their commitment to the automotive industry, their employees and their products.

In this day and age, finding qualified technicians is becoming more of a challenge by the day. The industry as a whole needs to do more to inspire the young, up and coming employees who want to embrace becoming an automotive technician.

So how can they accomplish this?

This was discussed at the conference with knowledgeable guest speakers focusing on this very topic and how to execute it, to include maintaining your current employees.

I recently learned the high school I attended and graduated from, is thinking about removing Auto Shop from its curriculum. Not because students are failing, but because no one is signing up for the class.

To me, taking Auto Shop is more than just that; it teaches beyond auto repair, it offers teamwork, mathematics, problem solving, computer skills, working with your hands, communications, reading, writing and showing the students how to finish something you start and seeing the end result.

With the future of automobiles leaning towards autonomous cars, engineering and robotic technicians will be in high demand. Tesla’s plants are already in the process of hiring a few thousand with these very skills.

The conference embraced the fact that they need to be proactive in the future rather than wait until it is too late to hop on board. So working together to brainstorm and show off their newest products was a great sight to see.

I did also manage to meet several women from these various companies and discuss their roles within their prospective employers, “Laura, Key Account Manager for Valeo”, Lisa, Sales Manager for Seymour Paints’, Cheri, Marketing Manager for Federal-Mogul; and Carol, Sales and Customer Service Manager for Stempf.

All of these ladies I spoke to expressed their dedication and desire to inspire other women to join them in this industry. We all seemed to agree, women are still a small minority within the automotive industry, but those numbers are climbing. You do not just need to think of yourself as a mechanic, the automotive industry offers other positions, like Engineers, Accounting, and Service Advisers to Specialists.


Many of these companies offer scholarship programs for students, and sponsor contests for all types of automotive enthusiasts: they will offer a sponsorship of cash and prizes to several contest winners, and a year sponsorship for the top winners in each class.

So the next time you are in need of an auto part, make sure you choose a company that stands behind its product and offers quality to the name. When it comes to your automobile, your life depends on it. And if you know someone who would be perfect for this industry, give it a mention and help us to inspire.

Commitment To Quality, Aftermarket Parts

2017 Model Year Cars, Gizmos and Gadgets

2017 Model Year Cars, Gizmos and Gadgets (link to the Happy Herald)

The 2017 model year vehicles have already hit the pavement bringing many new gizmos and gadgets. If you have not stepped foot into a dealership in quite some time, you will be amazed at how cars have evolved in such a short amount of time.

Dashboards have become increasingly electronic, with even the least expensive models including sophisticated infotainment systems that can wirelessly stream calls, data, and text messages from mobile phones, with many cars and trucks now offering on-board Internet service. While the fully autonomous drive car is still some distance off into the future, several new vehicles offer advanced safety systems that can auto-brake and/or engage the steering to help prevent collisions with other cars, pedestrians – even animals – at both low and high speeds.

Not only is a vehicle your main source of transportation, manufactures aim to make vehicles safer, more capable, and more entertaining than in years past. Technology changes it seems by each passing day, so what do these 2017 vehicles offer. Let’s check out a few of them.

Last year, Cadillac debuted a new video rearview mirror that replaces the conventional mirrored glass surface with an LED screen that displays a wide-angle rearward view uncluttered by heads or headrests in the back seat. For 2017 its availability expands to both Caddy’s new XT5 crossover SUV and the full-electric Chevrolet Bolt. Other 2017 models with novel approaches to around-car monitoring include the Cadillac CT6 luxury sedan with an onboard 360-degree video recorder (anybody paranoid?), and the Ford Super Duty pickup that locates no fewer than seven video cameras around the truck.

Gizmos and Gagets

On-board infotainment/connectivity systems are becoming ever more like full-blown mobile computers with large touch-sensitive displays that recognize swipes and hand gestures to initiate commands, just like a tablet computer. In fact, for 2017, Bentley is including a dual-screen system in its very luxurious Bentayga that features removable twin Android tablets, while the Chrysler Pacifica’s entertainment system includes builtin game apps, and Cadillac’s allows users to stream live TV to their back seat of a CT6 sedan via a Google Chromecast or Amazon Fire TV Stick. As for Honda, it is letting its pickup buyers bring the party virtually anywhere by turning the truck bed into one enormous audio speaker.

All manufacturers are working hard trying to race to the front of the class bringing with them new and exciting features. So, have they become more concerned about the new gizmos and gadgets, and less about promoting what the vehicle itself has to offer? One begins to wonder where all of this is leading to. It seems years ago, a new car owner was mesmerized by the sleek look of an automobile and cared less about the special features, now I believe car buyers are rushing to dealerships just to see what new on-board toys cars are offering. This includes the foreign car manufacturers as well.

Among the latest safety gear, last year Nissan introduced a new predictive Forward Collision Warning system on the Maxima midsize sedan that that will not only monitor the speed and proximity of the vehicle ahead of it in traffic, but can also keep tabs on the next car or truck in front of it, with auto-braking ready if necessary to avoid or lessen the effects of a possible crash. Availability expands to the redesigned Nissan Armada full-size SUV this fall. Other new safety systems premiering in the Volvo S90 sedan and V90 station wagon include Run- Off Road Mitigation system that helps keep a car from inadvertently running off the side of the road, and an improved City Safety low-speed auto-braking function that helps prevent collisions with other cars, bicyclists, pedestrians, and – for 2017 – large animals like deer and elk that may wander into the vehicle’s path.

So when you are out looking for that next new car, be sure to do your homework and check out all the makes and models in order to make the best choice. Happy Motoring.