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.
Washington Extended Warranty Cancellation Guide
Under Washington Service Contracts and Protection Product Guarantees Act, Washington gives you the right to cancel and receive refunds on F&I products. You have a 30 days (full refund if returned within the first 10 days; a cancellation fee of up to $25 may apply if returned 10 to 30 days after purchase; no claim may have been made) free look period for full refunds. Dealers who fail to comply face A one-time 10% penalty added to any refund not paid within 30 days of the contract's return (RCW 48.110.075(4)(c)), and Consumer Protection Act liability, since any violation of chapter 48.110 RCW is an unfair or deceptive practice for which an injured holder can sue the provider and its reimbursement insurer (RCW 48.110.140).
Quick Answer
Cancellation rights in Washington depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 30 days (full refund if returned within the first 10 days; a cancellation fee of up to $25 may apply if returned 10 to 30 days after purchase; no claim may have been made), you receive a full refund (minus up to $25 fee). Refunds must be issued within 30 days. You can sue in Small Claims Court for up to $10,000.
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Check your rights under Washington law
Key Washington Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Return Window | 30 days (motor vehicles, RCW 48.110.075(4)(a)) | If no claim has been made: full refund if returned within 10 days of purchase; refund less a cancellation fee of up to $25 if returned 10 to 30 days after purchase |
| Refund After 30 Days | Pro rata (RCW 48.110.075(4)(b)) | If no claim has been made, a return after 30 days earns a pro rata refund based on elapsed time or mileage, less a cancellation fee of up to $25 |
| Late Refund Penalty | One-time 10% (RCW 48.110.075(4)(c)) | A 10% penalty is added to any refund not paid within 30 days of the contract's return |
| Provider Cancellation Limit | 60 days (RCW 48.110.075(6)) | The provider has only 60 days from the sale to decide whether the vehicle qualifies; after that it may not cancel the contract |
| Consumer Protection Act | Per se violation (RCW 48.110.140) | A violation of chapter 48.110 RCW violates the Consumer Protection Act (ch. 19.86 RCW); an injured holder can sue the provider and its reimbursement insurer |
Return Window
30 days (motor vehicles, RCW 48.110.075(4)(a))Refund After 30 Days
Pro rata (RCW 48.110.075(4)(b))Late Refund Penalty
One-time 10% (RCW 48.110.075(4)(c))Provider Cancellation Limit
60 days (RCW 48.110.075(6))Consumer Protection Act
Per se violation (RCW 48.110.140)What Washington Law Requires
Your Cancellation Rights
Under Washington Service Contracts and Protection Product Guarantees Act, some F&I products sold in Washington may be cancellable or refundable, subject to their contract terms. During the free look period (30 days (full refund if returned within the first 10 days; a cancellation fee of up to $25 may apply if returned 10 to 30 days after purchase; no claim may have been made)), you receive a full refund. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Timeline
Once you submit your request, the dealer or administrator has 30 days to respond. Failure to comply may result in A one-time 10% penalty added to any refund not paid within 30 days of the contract's return (RCW 48.110.075(4)(c)), and Consumer Protection Act liability, since any violation of chapter 48.110 RCW is an unfair or deceptive practice for which an injured holder can sue the provider and its reimbursement insurer (RCW 48.110.140).
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 Washington?
Yes. RCW 48.110.075(4) lets you return a motor vehicle service contract within 30 days of purchase if no claim has been made: a full refund within the first 10 days, or a refund less a cancellation fee of up to $25 from day 10 to day 30. The general free-look rule in RCW 48.110.050(3) expressly does not apply to motor vehicle service contracts.
What happens if a Washington dealer is late refunding me?
Under RCW 48.110.075, a one-time 10% penalty is added to any refund not paid within 30 days of returning the contract. This is a single penalty, not a recurring monthly charge.
How much notice must a Washington provider give before cancellation?
The 21-day advance-notice rule in RCW 48.110.070(10) does not apply to service contracts on motor vehicles. Instead, a provider has only 60 days from the sale to decide whether your vehicle qualifies; after that it may not cancel the contract (RCW 48.110.075(6)).
Where do I file a complaint in Washington?
Contact the Washington Attorney General Consumer Protection Division at (800) 551-4636. Violations of RCW 48.110 are unfair trade practices under the Consumer Protection Act.
Washington 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
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