You May Be Owed Thousands for a Warranty You Did Not Clearly Approve
After 2020, many dealerships added warranty and finance products to auto loans. In many cases, buyers did not receive clear explanations or complete paperwork.
How the Process Works
Submit your paperwork
We review your documents
We contact the dealership
We proceed with your approval
Submit your paperwork
We review your documents
We contact the dealership
We proceed with your approval
What Really Happened After the Pandemic
After 2020, vehicle prices skyrocketed not because of higher MSRP, but because supply collapsed and demand exploded.
Banks refused to finance vehicles priced far above market value.
To close the gap, dealerships quietly embedded $1,000–$10,000 extended warranties directly into auto loans often without proper disclosure.
Most buyers:
Never approved the warranty
Never received the paperwork
Never knew they were charged
Why Dealerships Are Legally Responsible
In New Jersey, dealerships are legally required to:
- Provide customers with hard copies of all sales and warranty documents
- Maintain full records of every sale for seven years
Instead, many dealerships:
Sent documents by email only
Used incorrect or fake email addresses
Effectively denied customers proof of purchase
This made it nearly impossible for buyers to detect hidden charges.
Losing paperwork does NOT eliminate your right to a refund.
You May Qualify If You…
Bought a car after 2020
Financed the vehicle (loan or lease)
Don’t remember approving a warranty
Were charged for something you don’t fully understand
No longer have your paperwork
If even one of these applies, you should check your eligibility.
How Warranty Advocates Helps You Recover Your Money
Warranty Advocates exists to recover money consumers never knowingly agreed to pay. We handle everything from document recovery to refund enforcement so you don’t have to fight dealerships alone.
