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.
Utah Extended Warranty Cancellation Guide
Under Utah Service Contracts Act, Utah gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face Utah Insurance Commissioner enforcement: revocation, suspension or denial of the provider's registration, a forfeiture of twice any profit gained from the violation plus up to $1,000 per violation, and an order barring the provider from selling service contracts in Utah (Utah Code § 31A-6a-109).
Quick Answer
Cancellation rights in Utah depend on the product and contract. Upload yours to see which add-ons appear cancellable. You can sue in Small Claims Court for up to $20,000.
Purchased F&I products in Utah?
Check your rights under Utah law
Key Utah Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Service Contract Regulation | Active (Utah Code 31A-6a) | Service contracts are regulated under the Insurance Code; providers must register with the Insurance Department and file their contract forms (31A-6a-103(2)) |
| Insurance Backing | Required (31A-6a-103(1)) | Every service contract must be insured under a reimbursement insurance policy; if the provider does not pay or provide service within 60 days after proof of loss, you can claim directly against the insurer (31A-6a-104(2)(a)(i)) |
| Cancellation Terms | Must be in contract (31A-6a-104(3)(a)(vii)) | The contract must state its cancellation terms as provided in Sections 31A-21-303 through 31A-21-305 |
| No Forced Purchase | Optional-purchase statement required (31A-6a-104(3)(b); 31A-6a-105(3)) | The contract must state that buying it is optional and not required to finance, lease or buy a vehicle, and a lender may not require it as a condition of a loan |
| Required Disclosures | Mandatory (31A-6a-104) | The contract must state its total price, any deductible, what is covered and excluded, and that complaints may be filed with the Utah Insurance Department |
Service Contract Regulation
Active (Utah Code 31A-6a)Insurance Backing
Required (31A-6a-103(1))Cancellation Terms
Must be in contract (31A-6a-104(3)(a)(vii))No Forced Purchase
Optional-purchase statement required (31A-6a-104(3)(b); 31A-6a-105(3))Required Disclosures
Mandatory (31A-6a-104)What Utah Law Requires
Your Cancellation Rights
Under Utah Service Contracts Act, some F&I products sold in Utah may be cancellable or refundable, subject to their contract terms. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
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.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
How It Works
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See What You May Be Owed Under Utah Law
Our tool checks Utah Service Contracts Act and state-specific provisions against your paperwork for free — then generates a formal f&i product cancellation letter if you want one.
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State-Specific Citations
Maximum refund amounts
What you'll see before you decide
A document-specific answer, not a generic promise:
- The amount at issue, itemized
- The rules or contract terms that appear applicable
- What looks strong, weak, or needs more evidence
Free analysis first. The optional letter comes after you see the result.
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Check each charge and see an itemized estimate before deciding whether to buy a letter.
Frequently Asked Questions
Can I cancel my extended warranty in Utah?
Yes. Under UCA § 31A-6a, service contracts must include cancellation terms governed by Sections 31A-21-303 through 31A-21-305. Contact your provider to initiate cancellation per your contract terms.
How does Utah regulate service contracts?
Utah regulates service contracts under the Insurance Code (UCA 31A-6a). Providers must register, carry reimbursement insurance from an authorized insurer, and comply with specific disclosure requirements.
Can a Utah dealer require me to buy a warranty?
No. Every Utah service contract must state that buying it is optional and not required to finance, lease or purchase a vehicle (Utah Code § 31A-6a-104(3)(b)), and a lender may not require one as a condition of a loan (§ 31A-6a-105(3)).
Where do I file a complaint in Utah?
Contact the Utah Division of Consumer Protection at (801) 530-6601 or toll-free at (800) 721-7233, or the Utah Insurance Department, which every service contract must name for complaints (Utah Code § 31A-6a-104(2)(a)(ii)). You can also file in small claims court for amounts up to $20,000.
Utah Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Utah's laws compare to its neighbors and other states:
· Lesser of $75 or 10% of contract price max fee
· Varies by contract max fee
30-day free look · $50 max fee
20-day free look · $0 during free look; $0 if provider cancels max fee
· Varies by contract max fee
20-day free look · Varies by contract max fee
· Varies by contract max fee
Guides
See What You May Be Owed in Utah
Check your contract against Utah cancellation rules and see which products appear refundable.
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Optional letter only if you act · Utah Service Contracts Act