If you are not sure if this part will solve your problem, by taking this option, you pay more for the item, but you also have the option of returning an item we normally don't accept returns on. If you are confident you require this item, you can save money by NOT taking this insurance. Other vendors that allow returns for any reason charge MUCH MORE for ALL parts. We are the only vendor that gives you a choice! BY TAKING THIS OPTION YOU MAY RETURN THIS ITEM FOR ANY REASON FOR ONE YEAR FROM PURCHASE DATE.