FAQs

Is Wear & Tear Solutions an insurance company?

  • No. Wear & Tear Solutions is a professional Benefits Management Platform. We provide the structural tools, logistical support and financial matching programs to help independent contractors manage their own business expenses. We do not provide, nor are we a substitute for, comprehensive health or auto insurance policies. We highly recommend maintaining appropriate insurance coverage as required by your state and the platforms you operate on.

How do I build my maintenance retainer?

  • You are in complete control. Choose weather you build your retainer on autopilot by auto paying. This feature is best for users that want to be financially disciplined with their funds. Or You can log into your benefits portal to manually allocate benefit service credits daily, weekly, or monthly. Whether you had some massive orders or a slower few days, you can build your retainer at your own pace to prepare for future vehicle expenses.

What are benefit service credits?

  • Benefit Service Credits are a simple way to manage your vehicle’s maintenance plan on the Wear & Tear platform. By adding credits (1 credit = $1) to your Benefits Retainer, you’re setting aside and preserving funds to stay on top of your car’s recommended maintenance and keep it running longer. This setup makes it easy to prepare for future wear and tear at a pace that works for you. As you stay on as a member of the service, you receive additional credits through our maintenance match program which helps pay for bigger major repairs on your auto vehicles.

Note: Service Credits are non-transferable, cannot be withdrawn as cash, and expire in accordance with our terms and conditions.

Where can I use my benefit service credits?

  • Your benefits service credits are strictly designed to cover your vehicle maintenance and repair services. Because you are an independent contractor, you have the freedom to utilize any reputable, licensed, and insured automotive shop or automotive parts store of your choice. Once your vehicle is serviced, simply upload your final, itemized invoice to your benefits portal.

What if my car repair costs more than my service credit balance?

  • If you run into a major, unexpected repair that costs more than your current Base Membership balance, you can utilize our Contingency Shortfall Match/ Maintenance match. This acts as a secondary safety net directly at the repair facility. If your invoice is higher than your available credits, we step in to advance the difference No questions asked so you can get your car back on the road. We temporarily match credits on your account based on good faith. After a maintenance match is advanced to you The member will replenish the match over time through future purchased credits while continuing to use the service.

The longer you maintain a continuous, active membership, the larger your safety net grows:

    • Bronze Tier (3 Months): Shortfall match up to 150 credits.
    • Silver Tier (6 Months): Shortfall match up to 300 credits.
    • Gold Tier (12 Months): Shortfall match up to 500 credits.
    • Platinum Tier (18 Months): Shortfall match equal to 50% of your available balance (capped at a 1,500 credit advance).
    • Diamond Tier (24 Months): Shortfall match equal to 100% of your available balance (capped at a 2,000 credit advance).

Do I have to use a specific mechanic?

  • No. We know how important it is to trust the person working on your vehicle. You have the 1099 freedom to visit any reputable, licensed, bonded, and insured automotive service shop. Simply upload your service receipts directly to your benefits portal.

How do I access healthcare through the platform?

  • Your Benefits Portal features a Health Plus Primary Care Physician Network Gateway. Our Health Plus concierge service acts as a bridge between you and the local healthcare market. This connects you seamlessly with local, licensed doctors. You get the W-2 style healthcare access you deserve, including unlimited telehealth and extended office visits, without the traditional insurance headaches. Preventive healthcare is just a click away!

Note: The Health Plus PCP Network Gateway provides access to discounted healthcare services and contracted provider networks. It is a healthcare access membership, not a health insurance policy, insurance substitute, or a plan regulated under the ACA.

How does the Health Plus "Primary Care Physician Gateway" work?

  • It is completely transparent. Your portal subscription unlocks the Primary Care Physician Network Gateway. From there, you have the option to choose a local primary care physician whom you will pay a separate, low monthly flat fee. You can choose from plans ranging from approximately $50 - $125 for individuals with options to add family coverage. There are no surprise bills, no insurance denials and zero copays for your visits. You also receive access to our marketplace with discounts for your prescriptions.

Do independent contractors get vacation benefits through Wear & Tear Solutions?

  • While gig workers don’t receive traditional Paid Time Off (PTO), we built the next best thing: the Vacation Package Layaway Program. As an active member, you can select a predefined travel package inside your portal and fund it over time through flexible, bite-sized installment payments. It is an automated, stress-free way to guarantee you actually take that well-deserved break without draining your bank account all at once.

How do the vacation installments and travel booking actually work? 

  • It is simple! You choose a vacation package tier and start making layaway deposits toward your goal. You can track your progress right on your dashboard. Once your "vacation bucket" is 100% funded, our licensed, independent Travel Partner takes over. They act as the official merchant of record to finalize your itinerary, lock in your flights and hotels, and ensure everything is ready for your trip.

Can I use my vehicle's Maintenance Retainer funds to pay for my vacation?

  • No. To protect your livelihood and make sure your car stays on the road, your vehicle maintenance funds and your vacation funds are kept in two strictly separate ledgers. Vacation Layaway Credits cannot be applied toward emergency auto repairs, and your automotive Service Credits cannot be used to book travel.

Can I cancel the Base Membership subscription anytime?

  • Yes. As an independent business owner, you have full autonomy. You can manage or cancel your membership directly through your portal settings at any time. There are no long-term "corporate" contracts or early-termination penalties. To prevent your payment method from being charged for the subsequent billing cycle, cancellation requests should be submitted at least 48 hours prior to your renewal date.

Are there physical cards I have to wait for in the mail?

  • No. We eliminated the hassle of physical maintenance and medical cards. The Wear & Tear Benefits Portal is a 100% digital software ecosystem. Everything from managing your benefit credits to accessing your Everyday Discounts is done securely right from your phone and you receive a virtual card for checkout at repair shops.

Is my data secure?

  • Yes. We operate with institutional-grade security. All personal and financial data is stored on encrypted, compliant servers. We utilize banking-level verification protocols to ensure your service records and account data remain private and secure. We do not sell your personal data to third parties.