Full disclosure and a Highlighter should be used when you have either sold or given a Client a warranty/service contract. Have them sign that they understand what it is that they have enrolled in with this "policy". Most complaints I have seen on-line are due to either non-disclosure by the Dealer or merely the customer's lack of understanding these are stated- limited liability policies. If it is not in writing, it is not covered. There are those that pay a flat fee of $500.00 and those that cover the ACV. READ and understand!