How much can I recover canceling my extended warranty in Maryland?

Within the 20-day window with no claim made, you get the full consideration back (Com. Law § 14-403(e)). After that, Maryland sets no statutory refund formula or fee cap, so the refund follows your contract's cancellation terms; if it uses a pro-rata method, the refund is the unused share of the term or mileage, less any fee the contract states.

How long does Maryland give dealers to process my refund?

If you cancel within the 20-day free-look window, the provider must pay or credit the full refund within 45 days after the cancellation, or owe an extra 10% of the consideration for each month it is late (Com. Law § 14-403(g)). Maryland sets no deadline for later cancellations, so send your request in writing to keep a dated record.

Do I need to return the vehicle to cancel my warranty in Maryland?

No. Maryland consumers can cancel a service contract or extended warranty without returning, surrendering, or even taking the vehicle in for inspection. Cancellation is a paperwork transaction between you and the contract provider. The dealership cannot make vehicle return a precondition for processing your refund.

What if my Maryland dealer refuses to cancel my add-on product?

If a Maryland dealer or provider refuses a valid cancellation, you have several escalation paths. A free-look refund not paid within 45 days carries a penalty of 10% of the consideration per month (Com. Law § 14-403(g)), and you can sue for breach with costs and attorney's fees (§ 14-407(d)). You can also file a complaint with the Maryland Attorney General, who can seek a court order and restitution (§ 14-406), or sue in small claims court (limit $5,000).

State Law Guide

Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.

Maryland Extended Warranty Cancellation Guide

Under Maryland Service Contracts and Consumer Products Guaranty Act, Maryland gives you the right to cancel and receive refunds on F&I products. You have a 20 days free look period for full refunds. Dealers who fail to comply face A penalty of 10% of the consideration paid for each month a free-look refund is not paid or credited within 45 days (Md. Code, Com. Law § 14-403(g)), Attorney General court orders with restitution (§ 14-406), and liability in a consumer's suit for breach, including costs and attorney's fees (§ 14-407(d)).

Quick Answer

Cancellation rights in Maryland depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 20 days, you receive a full refund (minus up to $0 during free look fee). Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $5,000.

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Key Maryland Provisions

Provision	Requirement	Your Right
Free Look Period	20 days (Com. Law § 14-403(d))	Full refund of the consideration paid if you cancel within 20 days after receiving the contract (or a longer period the contract allows) and no claim has been made (§ 14-403(e))
Free-Look Refund Deadline	45 days (Com. Law § 14-403(g)(1))	A free-look refund must be paid or credited within 45 days after you cancel
Required Disclosures	Mandatory (Com. Law § 14-403(b))	Contract must state its duration, price, the services provided, limitations and the cancellation terms
Late Refund Penalty	10% of consideration per month (Com. Law § 14-403(g)(2))	Provider owes 10% of the consideration paid for each month a free-look refund stays unpaid
Private Action	Costs and attorney's fees (Com. Law § 14-407(d))	If a provider breaches its duties you can sue; if you win, the judgment includes reasonable costs and attorney's fees unless you turned down a reasonable chance to settle through the provider's informal dispute procedure
AG Enforcement	Court orders and restitution (Com. Law § 14-406)	The Attorney General can obtain a court order stopping violations and restoring money to consumers
Consumer Protection Act	Remedies preserved (Com. Law § 14-409(a))	Apart from this subtitle, remedies under Title 13 (the Maryland Consumer Protection Act) remain available for a breached service contract

Free Look Period

20 days (Com. Law § 14-403(d))

Full refund of the consideration paid if you cancel within 20 days after receiving the contract (or a longer period the contract allows) and no claim has been made (§ 14-403(e))

Free-Look Refund Deadline

45 days (Com. Law § 14-403(g)(1))

A free-look refund must be paid or credited within 45 days after you cancel

Required Disclosures

Mandatory (Com. Law § 14-403(b))

Contract must state its duration, price, the services provided, limitations and the cancellation terms

Late Refund Penalty

10% of consideration per month (Com. Law § 14-403(g)(2))

Provider owes 10% of the consideration paid for each month a free-look refund stays unpaid

Private Action

Costs and attorney's fees (Com. Law § 14-407(d))

If a provider breaches its duties you can sue; if you win, the judgment includes reasonable costs and attorney's fees unless you turned down a reasonable chance to settle through the provider's informal dispute procedure

AG Enforcement

Court orders and restitution (Com. Law § 14-406)

The Attorney General can obtain a court order stopping violations and restoring money to consumers

Consumer Protection Act

Remedies preserved (Com. Law § 14-409(a))

Apart from this subtitle, remedies under Title 13 (the Maryland Consumer Protection Act) remain available for a breached service contract

What Maryland Law Requires

Your Cancellation Rights

Under Maryland Service Contracts and Consumer Products Guaranty Act, some F&I products sold in Maryland may be cancellable or refundable, subject to their contract terms. During the free look period (20 days), you receive a full refund. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.

Timeline

If you cancel within the free-look window, the provider has 45 days to pay the refund; for later cancellations your contract sets the timing. Failure to comply may result in A penalty of 10% of the consideration paid for each month a free-look refund is not paid or credited within 45 days (Md. Code, Com. Law § 14-403(g)), Attorney General court orders with restitution (§ 14-406), and liability in a consumer's suit for breach, including costs and attorney's fees (§ 14-407(d)).

Your contract may include cancellation rights that are easy to overlook. We identify the products, check the applicable terms and rules, and estimate what may be refundable.

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Frequently Asked Questions

Can I cancel my extended warranty in Maryland?

Yes. Under Md. Code, Com. Law § 14-403(d)-(e), you can cancel within 20 days after receiving the contract (or a longer period it allows) for a full refund if no claim was made. After that, Maryland sets no refund formula, so your contract's cancellation terms control (§ 14-403(b)(7)).

How long does a Maryland dealer have to refund me?

Maryland law (Com. Law § 14-401 et seq.) requires providers to refund the full purchase price within 45 days of cancellation during the free look period. If the provider misses that deadline, § 14-403 imposes a penalty of 10% of the consideration per month on the late refund.

What disclosures are required in Maryland?

Service contracts must disclose duration, terms, purchase price, covered services, claims procedures, limitations, and cancellation provisions. All terms must be clearly stated in writing.