Most drivers don’t expect to hear from the federal government—unless something has gone very wrong. But this month, more than 168,000 Americans opened their mailboxes to find checks from the Federal Trade Commission, all tied to a case that exposed widespread deception in the vehicle service contract industry. *snip* Many drivers believed they were signing up for protection that covered major repairs, sometimes paying as much as $120 a month. Yet when they needed help, they discovered that the “coverage” often vanished behind exclusions, denials, and carefully crafted contract language.