I Was Contacted by Mechanical Breakdown Insurance (California MBI)

In California, vehicle protection products may be offered as Mechanical Breakdown Insurance (MBI), which is regulated by the CA Department of Insurance. If you are a California resident, verify whether any warranty offer is structured as MBI or as a VSC, as they have different regulatory frameworks.

How to Verify Legitimacy

A legitimate contact from Mechanical Breakdown Insurance (California MBI) will:

  • Provide a written service contract with coverage details
  • Identify the administrator and underwriter
  • Include a callback number matching Mechanical Breakdown Insurance (California MBI)'s official website
  • Not use pressure tactics or "final notice" language

Related

Frequently Asked Questions

I'm in California and received an MBI offer -- is it legitimate?

Verify the offering insurer's California license at insurance.ca.gov. Legitimate MBI is sold by licensed insurers through their agent networks.