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C.A.R.S Protection Plus Inc

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Reviews C.A.R.S Protection Plus Inc

C.A.R.S Protection Plus Inc Reviews (345)

Review: I purchased a vehicle warranty with this company just 5 months ago on 8/20/2013for there value plus plan which covered my vehicle 24 months unlimited mileage.I sold my vehicle on 2/19/2013 and purchased another vehicle.I called the company to see if they would transfer my coverage to my other vehicle.The lady I talked to said no they could not do that.I asked if I could get a partial refind because ionly had the plan 5 months and she got rude with me and said no as well.They kept my money and said she would send me a cancellation letter.So anybody that buys that vehicle can not continue coverage as well.What a rip off companyBUYER BEWARE OF THIS COMPANYDesired Settlement: A partial refund would be fair

Business

Response:

I am in receipt of your letter dated March 3, 2014 enclosing the consumer complaint. Please be advised that the individual who submitted the complaint is not the service contract holder; however, I will still respond in the following manner: On August 20, 2013, the customer purchased the above-referenced vehicle and on that date also applied for a CARS Value Plus Service Contract (24 Months/Unlimited Miles) and was accepted with payment by CARS on August 24, 2013 (the attached “Service Contract”).

On February 24, 2014 at 1:31 p.m., the customer telephoned CARS to request a transfer of the Value Plus Service Contract (24 Months/Unlimited Miles) to the customer’s new vehicle since the above-referenced vehicle had been sold. At that time, CARS advised the customer that pursuant to the terms and conditions of the service contract, the service contract was not transferable to another vehicle. The customer then requested a prorated refund. Again, CARS advised the customer that pursuant to the terms and conditions of the customer’s service contract, no refund was available.

By the customer’s signature, he acknowledged that he read, understood and agreed to the terms and conditions contained therein. The customer’s service contract clearly states under terms and conditions at Paragraph 5 (a): CANCELLATION PROVISIONS: There is no credit for early termination except if the vehicle is declared a total loss by the carrier insuring the vehicle or if the vehicle is repossessed by the lien holder as stated. Please refer to the terms and conditions of the service contract for all of our cancellation provisions at Paragraph 5 (a through d).

Please be advised that CARS is regulated by state statute regarding refund policies in each state that CARS conducts business in and we strictly adhere in those states where their statutes supersede our cancellation provisions. Here, the customer signed the service contract application when he purchased the above-referenced vehicle stating that he had read, understood and agreed to the terms of the service contract. Therefore, CARS is not directed by any state statute to refund any monies to the customer for the cancellation of a service contract. In additions, it is clearly stated at Paragraph 4 (a): “SERVICE CONTRACT TRANSFER PROVISIONS: ...CARS will not transfer the contract to another vehicle or business.” Pursuant to the customer’s service contract, CARS is not able to transfer services contracts from one vehicle to another.

When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact

Review: I do not appreciate the way that they treat customers to due their was an issue with my banking and had to be addressed and Cars Protection Plus said that they could never service my vehicle again. Example: ( If my cable bill was disconnected and I paid what was due they would reconnect my service but Cars will not service me ever again. I think that is so unfair to a loyal customer)Desired Settlement: I would like to be able to receive service again and I'm willing to pay.

Business

Response:

I am in receipt of your letter dated December 20, 2013, enclosing the above­referenced consumer complaint. I would like to respond in the following manner: According to our records, the customer purchased the above-referenced vehicle on April 9, 2013. On that same date the customer applied for a CARS Independence Service Contract (Month to Month). Said service contract (attached) was received and approved by CARS on October 11, 2013, when the first payment was processed pursuant to the checking account information the selling dealer provided us. The selling dealer paid the first month’s payment for the customer via check.

On October 21, 2013, CARS mailed the customer a request for the payment authorization form to be checked, completed, and returned to CARS with a voided check. On November 5, 2013, CARS received confirmation from the customer’s financial institution that the customer had an active savings account with them and provided the routing number to us.

Pursuant to the terms and conditions of the customer’s month to month service contract CARS successfully processed the next payment of on November 19, 2013

Pursuant to the terms and conditions of the customer’s month to month service contract, CARS processed the next payment on December 17, 2013. However, on November 19, 2013, CARS received notification from our banking institution that the customer’s payment of $39.95 had insufficient funds (attached).

Please be advised that our service contracts are clear and unambiguous. By the customer’s signature on the Independence Service, the customer acknowledge that she read, understood, and accepted the terms and conditions contained therein. The customer’s Independence Service Contract clearly states: “A NEW CONTRACT will begin a month after the effective date for the original purchaser, as long as payment continues...” and “IF THE CHECKING ACCOUNT OR CREDIT CARD REFERENCED ABOVE HAS INSUFFICIENT FUNDS AT THE TIME OF PAYMENT,

MY SERVICE CONTRACT COVERAGE SHALL TERMINATE.” Since the December 17, 2013 payment of $39.95 was returned due to insufficient funds from the customer’s savings account, CARS was correct in our decision to cancel the customer’s Independence Service Contract.

On December 19, 2013, CARS notified the customer and the selling dealer in writing (attached) that the customer’s Independence Service Contract had been cancelled due to the customer’s account not having sufficient funds to pay for the next month’s coverage period.

In addition, on December 19, 2013, the customer contacted CARS three (3) times to attempt to have her Independence Service Contract renewed. Each time we reviewed the recurring payment terms of her Service Contract and explained to the customer that pursuant to the recurring terms, the customer’s Service Contract had been terminated. During the three (3) telephone conversations, including one (1) with CARS’ office manager, the customer was rude and at times used profanities with CARS staff.

Please be advised that the customer’s Service Contract clearly states at PROVISIONS OF THE SERVICE CONTRACT 2(D): We reserve the right to reject or cancel any application or Service Contract for cause as determined by C.A.R.S.

Pursuant to the terms and conditions of the customer’s Service Contract, CARS reserved the right and cancelled the customer’s Service Contract due to the insufficient funds in the customer’s savings account. Therefore, the customer no longer has coverage under her CARS Independence Service Contract and CARS will not reinstate service contract coverage for her vehicle.

Accordingly, CARS has fulfilled our obligations to the customer pursuant to the terms and conditions of her Independence Service Contract. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact me.

Review: I purchased a 3 month warranty from C.A.R.S. Protection Plus when I purchased a used car. I read the warranty coverage and thought that it was a good idea to purchase this to make sure that I would not have any major repair issues. Last week the check engine light came on so I brought the car to my mechanic. He said that the intake runner control valve was bad and when he tried to make a claim, C.A.R.S. Protection Plus denied it. My policy number is [redacted]. I called C.A.R.S. Protection Plus and spoke to a supervisor and he said that the claim was denied because the part was not cover. I questioned this because the contract did not exclude this part. The is what it says:"ENGINE/FUEL SYSTEMLubricated parts contained within the engine block; cylinder heads; intake manifold; pistons; piston rings; wrist pins; connecting rods and bearings; crank-shaft and bearings; camshaft and bearings; timing chain and gears; valve covers; rocker arms/shafts and bushings; intake/exhaust valves and valve springs, seats, guides, push rods and hydraulic lifters; oil pump; oil pan; serpentine belt tensioner; fly wheel; oxygen sensor; EGR valve; crank sensor; cam sensor; fuel pump; lift pump; transfer pump; and factory installed turbo/supercharger. Engine block only if damaged by a covered component internal to the engine block. Timing belt, fuel injectors, EGR cooler and oil cooler are not covered."He said that it wasn't covered because it is not an internally lubricated part. Many of the parts that listed above are not internally lubricated and they are covered. The list also shows specific parts that are not covered, and "intake runner control valve" are not listed.I think that this contract is miss leading and fraudulent! I am now faced with a $500 repair that should have been covered.My original contract did NOT included the "terms and conditions" page that is listed on the website. It only listed the "Value Plus Service Contract" from the link below (top section only): http://carsprotectionplus.com/coverages/value-plusDesired Settlement: I would like this repair to be reimbursed (minus my $100 deductible).

Business

Response:

I am in receipt of your letter dated December 10, 2013, enclosing the above-referenced consumer complaint. I would like to respond in the following manner: According to our

records, the customer purchased the above-referenced vehicle on September 17, 2013 and on the date of purchase the vehicle registered 107,876 miles on the odometer. On that same date the customer applied for a CARS Value Plus Service contract (3 Months/Unlimited Miles). CARS received with payment and approved the customer’s service contract on September 20, 2013 (See attached Service Contract).

On December 10, 2013 at 10:47 a.m., we received a telephone call from the repair facility advising that the customer’s vehicle was experiencing mechanical problems, specifically the intake runner control valve. During the processing of the claim, the repair facility advised us that the intake runner control valve was vacuum controlled and attached to the side of the intake manifold. CARS advised the repair facility that we were unable to assist with the December 10, 2013 intake runner control valve claim made on behalf of the customer’s vehicle.

Please be advised that by the customer’s signature on the customer’s service contract, the customer acknowledged that he read, understood, and agreed to the terms and conditions contained therein. It is clearly stated in the service contract under terms and conditions at Paragraph 1(a): “COMPONENTS AND EXPENSES NOT COVERED: Components not listed regardless of failure.” Here, the repair facility chosen by the customer to repair the customer’s vehicle found that the only failure was to the intake runner control valve, which is a non-covered component pursuant to the terms and conditions of the customer’s service contract.

In addition, it is clearly stated in the customer’s service contract: “Covered Components: “Coverage limited to above components.” The intake runner control valve is NOT listed as a covered component pursuant to the customer’s service contract.

Furthermore, the customer’s service contract clearly states under covered components: “ENGINE/FUEL SYSTEM Lubricated parts contained within the engine block.” Please be advised that the intake runner control valve is external to the intake manifold and is NOT an internally lubricated part; therefore, it is not a covered component under the customer’s service contract.

Please be further advised that in the consumer complaint, the customer states that the original contract that the customer received did not contain the terms and conditions page. The terms and conditions are clearly stated on the back of the signature page of the service contract. If the customer has the original contract, the customer does have a copy of the terms and conditions.

Accordingly, CARS has fulfilled all of its obligations under the terms and conditions of the customer’s service contract. Therefore, we stand by our original decision and are unable to assist with the December 10, 2013 intake runner control valve claim for all the reasons stated above.

When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact me.

Review: I am beyond appalled at the way I have been spoken to & handled at this company. I purchased my vehicle 6 months ago, purchasing the Value Plus plan, when brought in for oil change & tire rotation I was told my transmission line may need to be replaced, this was not covered under the plan, even though the transmission section of the Value Plus option I chose to pay for said transmission & lubricated components.

When calling customer service, I was told that only the actual transmission would be covered not the line that actually makes the transmission work, & if the line made the transmission not work, that would not cover that either. I don't know what other way the transmission would fail or how else the transmission works other than through the transmission line.

These are ridiculous terms that provides a consumer no coverage whatsoever. The contract is misleading & a misrepresentation of coverage. When asked customer service for a list of what is included & not included in my contract plan, they said they could not provide me that.

This is a scam, just because you're contractual wording is a certain way does not mean that an implicit coverage is not taken by a consumer when they see transmission coverage & all lubricated components. There is no other way for a transmission to fail than through the transmission line itself.

This is a blatant misuse & abuse of our capitalist society & it's consumers. I will also be senidng a complaint to the attorney general for unfair business practices as well as preying on consumers unwittingly.Desired Settlement: To cover the transmission & all lubricated components that make the transmission run, which includes the transmission line.

Business

Response:

I am in receipt of your letter dated April 28, 2015, enclosing the above-referenced consumer complaint. I would like to respond in the following manner: According to our records, the customer purchased the above-referenced vehicle on November 26, 2014. On that same date she also applied for a CARS Value Plus Service Contract (48 Months/Unlimited Miles) and the same was received with payment and approved by CARS on December 15, 2014 (See attached Service Contract). On April 27, 2015, at 1:14 p.m., CARS received a telephone call from a repair facility advising that the customer's vehicle was experiencing transmission line and transmission selector shaft seal issues. We then went over our claim procedures with the repair facility. On April 27, 2015, at 2:23 p.m., the repair facility advised CARS that the transmission lines and transmission selector shaft seal were leaking. We advised the repair facility that these were non-covered components under the customer’s Service Contract and CARS would not be able to assist with the repair of the vehicle. We then closed the claim. On April 27, 2015, at 2:30 p.m., the customer's husband telephoned CARS to check on the status of the mechanical claim. We advised that the transmission lines and transmission selector shaft seal are non-covered components under the customer's Service Contract. We advised that the Service Contracts are limited in their coverage. On April 27, 2015, at 2:43 p.m., the customer called a CARS customer service representative requesting a list of covered and non-covered components. The customer service representative advised that we could send a copy of her Service Contract as covered components are listed on the Service Contract. The customer service representative further advised that CARS would need a written request for a copy of the customer’s contract. The customer was unhappy with that suggestion and was transferred to a supervisor. On April 27, 2015, at 2:43 p.m., the customer advised the Customer Service Manager that she wanted a list of covered and non-covered components. The Customer Service Manager advised the customer that the covered parts are listed on the Service Contract. The customer became very upset and ended the telephone call. By the customer’s signature on her Value Plus Service Contract, she acknowledged that she read, understood and agreed to the Terms and Conditions other Service Contract. It is stated in the service contract: “COVERED COMPONENTS: COVERAGE LIMITED TO ABOVE COMPONENTS.” and under Term and Conditions at Paragraph 1(a): "COMPONENTS AND EXPENSES NOT COVERED: Componentsnot listed regardless of failure.” The transmission line and transmission selector shaft seal are not listed for coverage; therefore, they are the responsibility of the customer to repair. It is also stated on the customer’s Service Contract under "COVERED COMPONENTS: SEALS, GASKETS, & FLUIDS Seals, gaskets, and fluids are covered only when in conjunction with the replacement of a covered component." Here, the transmission selector shaft seal would not be covered because the customer's vehicle does not need to have any covered parts replaced. Under the customer's Service Contract, we were not required to cover the full cost of the repair. Said service contract is limited in its duration, terms, conditions, and covered components; therefore, it was not comprehensive (bumper to bumper) coverage. Various provisions of the service contract inform the customer what components are specifically covered and the customer's financial responsibility for the tear down, diagnosis charges, filters, and taxes. CARS stands by its decision and is unable to assist with the April 27, 2015 claim made on behalf of the customer's vehicle pursuant to the Terms and Conditions of the customer's Service Contract. The customer has service contract coverage through December 15, 2018. If a claim is opened CARS will process will process the claim to determine if the failed component is covered under the customer's Service Contract. If the failed component is covered, CARS will authorize and pay the claim in accordance to the terms and conditions of her Value Plus Service Contract. When a claim is presented to our company, we fully investigate the circumstances surrounding the claim. We honor every contract that we sell and we stand behind our product 100%. If you have any further questions regarding this matter, please do not hesitate to contact me. Sincerely, [redacted] General Counsel

I have a bumper to bumper 2year unlimited warranty through SCars Protection Plus. I've only had the vehicle for 7mos. now and I brought the truck to the dealership for a service issue. The dealership called me back and told me that I need a new motor, do you have a warranty and I told them yes and it covers all lubricated parts. Should the motor covered, they told me yes. My service person at the dealership has been getting the runaround for the pass 3 days by the underwriters. This is unacceptable and time consuming and my feeling is this... I believe that this so-called protection plan company is trying to get out of paying their obligation of the promised contract agreement. Something needs to be do with Cars Protection Plus, everyday they don't award the repair, everyday I'm closer to losing everything. Please do [email protected]

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Description: AUTO WARRANTY PROCESSING SERVICE

Address: 4431 William Penn Hwy Ste 1, Murrysville, Pennsylvania, United States, 15668

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www.carsprotectionplus.com


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