Nationwide Auto & Truck Warranties Inc.

I have reviewed...

the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I think the fact that the business would like to cancel my policy in their response just means that they are not willing to honor the warranty like any other company would.  In each instance in which I tried to file a claim with the business, I was denied and paid for the repair out of my own pocket.  I don't believe that my action is fraudulent as the business has a right to deny the claim per their policy with any patron.  What irritates me is that the representative, [redacted], made accusations about me filing litigations on the company which I have not done so by any means and also expressed hostility towards me when he called me back.  I would like to ask the Revdex.com to have [redacted] furnish the court/legal documents showing that I have filed against the company becuase I KNOW that there is nothing.  I've called the company to ask for evidence myself but, have not received anything.  In speaking on the behalf of others, I think I'm not the only person who has been through this situation with this business.  You can check the internet for yourself and see the complaints which are similar to mine.

Regards,

Better Business...

Bureau:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.The required documents were sent to the business according to their rules using certified mail. Attached is the certified mail returned to me as it was unclaimed. An attempt to deliver was done on 4/30, 5/7 and 5/18. The business failed to collect the certified mail from the post office. It is not the Post Offices fault of lack of trying, but the business failure to claim it from the post office. 

Regards,

July 30, 2014

Revdex.com

[redacted]

Re: [redacted]

Vehicle Service Contract  

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Dear Ms. [redacted]:

We have  received  your letter dated July 24, 2014, along  with the complaint  filed  by [redacted] concerning coverage provided by the vehicle service contract (VSC) (copy enclosed) he purchased on his used 2006 [redacted] diesel truck.

Regrettably, [redacted] complaint has been misdirected to our company, which should not be  charged  with  this  complaint.    That  is  because  all  coverage  complaints  and  claims decisions are the responsibility of G.W.S. of AZ, not Nationwide Auto and Truck Warranties.

However,  it seems  clear from reading  the VSC (see  underlined  section}  that there  is no coverage for failures that are the subject of a factory technical service bulletin.   Mr. Stone admits that his vehicle's current failure is in such a bulletin.

If you have any remaining questions, please telephone me at [redacted], ext. [redacted].

Sincerely,

General Manager

Have no idea who [redacted] is.

We have received your electronic letter dated June 20, 2014, along with the complaint filed by [redacted] concerning coverage provided by the vehicle service contract (copy enclosed) he purchased on his 2010 Range Rover HSE. 

Regrettably, as Provider we are unable to respond to any...

claim issues since all claim coverage determinations are made by the Obligor, [redacted] of AZ, Inc., [redacted] 

However, [redacted]'s vehicle service contract clearly states that no refunds are given after 30 days following the contract's purchase nor if a claim has been filed, as in this case. Since [redacted] mentioned that he was changing vehicles, for the $100 transfer fee and if the request is timely filed with us, he may transfer the remaining coverage to his newly acquired vehicle. 

If you have any remaining questions, please telephone me at [redacted] 

Sincerely, 

General Manager

His contract was cancelled for non payment, Plain and simple. There are no refunds after 30 days per the agreement. Someone must pay for coverage to have coverage. He was not honest on why he was cancelled.

Customer from almost day one of his policy tried to have fraudulent and pre-existing conditions covered. Per the policies terms and conditions, the contract is cancelled and he is not due any refund for his nefarious and underhanded actions.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed...

appear below.Regards,[redacted] and [redacted]  this is email I received from same person that told Revdex.com he had no idea who I am and he calls me a liar..He does know exactly. " Got you Revdex.com complaint. Thought you were going to stop lying and tell the truth. Will answer them and anyone else. You have a commercial vehicle, use it for business, lied when you took the coverage out, and have lied ever since. Pay the proper premium and future claims will be adjudicated properly. Next time be honest when looking for coverage both on a service contract and your auto insurance." Furthermore, he doesn't need to concern himself with our insurance. [redacted] and I both filled out form but I left his name.

The folks are having a hard time reading the agreement, here below is the verbiage. Clearly excludes alterations, pre-existing condtions and omissions on their part, knowingly or unknowingly. As stated previously, any legitimate claim that is covered per the agreement is submitted properly, it will be adjudicated and paid accordingly. Thanks.
Excluded Items for Coverage A, B,  & C:  30 day

and 1,000 mile waiting period to file a claim, Non-mechanical or

non-electrical failures; frame or structural separation; clutch and related

components; engine and transmission mounts; all rubber parts; any repositioning,

refitting or realigning; ignition coils; distributor cap/rotor; tires/wheels;

air bag/supplemental restraint systems; lenses; battery and cables; all

maintenance service and items such as alignments, wheel balances, engine

tune-ups, spark/glow plugs, plug wires, brake pads, linings & shoes,

filters, lubricants, coolants, hoses; bright metal; any illumination including

lights; exhaust system; brake rotor/drums; normal fluid/oil lubricant seepage;

shop supplies; body adjustments; buttons; handles; door hinges; all latches;

cleaning; squeaks and rattles; water leaks; wear and tear items unless

surcharge is paid; belts; timing chains; shocks, struts, or spring units unless

surcharge is paid; leaking shocks; a/c recharging; failures due to lack of maintenance,

lack of fluids/coolant/lubricants/overheating;  contamination (internal or external); any parts not necessary to the

completion of the repair; components that fail due to a non-covered component;

breakdowns due to rust/corrosion/overheating; compression loss through gradual

failure or rings and valves; factory recalls; any accidental damage covered by

property casualty insurance, automatic transmission slipping due to worn

friction plates/discs when no other failure has occurred; non-factory installed

components, any alteration/modification of part/component not installed or

approved by the vehicle manufacturer, any repairs performed without prior

authorization of the administrator, breakdown/failure of a covered part

caused/contributed by a condition which existed prior to purchase of the

contract, and subsequent damage caused/contributed to by your failure to use

all reasonable means to prevent further damage following a

malfunction/breakdown.Additional Conditions of CoverageThis contract

is not valid until Provider receives full payment and has approved the

application and contract. We will mail Holder a Certificate of Coverage with

their service contract number indicating the start date of coverage.

Authorization must be made prior to guaranteeing payment for a claim. No

service or maintenance items, recalls or service bulletin items, consequential,

misuse, alterations, racing, collision, or weather damage is covered. Service

may be denied for pre-existing conditions as reasonably determined by the

Provider based upon the reasonable reliance of the time and mileage on the

vehicle and the results of a claim inspection. Company may use new, used,

rebuilt, or remanufactured parts at company's discretion. We reserve the right

to move the vehicle to an alternative repair facility and to use the most

economical price available for parts and components.Provider’s

total liability for this contract’s life shall not exceed the actual cash value

of the vehicle as determined by Provider using the NADA average trade in value

and each claim’s liability is limited to the actual value of the claim.

Coverage void where prohibited by law and additional state provisions may

apply. This contract will terminate when the time limitation has been reached

on the contract, or when the covered vehicle in this contract has been sold

unless it is transferred to the new owner. To transfer this contract to a new

owner, the transfer needs to be approved by G.W.S., Inc. of Arizona within

seven days of the vehicle sale. Mail a certified letter to G.W.S., Inc. of

Arizona stating the new owner’s name, address, telephone number and the

odometer reading along with a $100 administrative fee. Transfers may only occur

once. This contract is backed by the full faith and credit of the Provider.

This contract may be renewed, permitting that the price paid for renewal is the

current pricing on the service agreement at the time of renewal.Holder may

cancel this contract in the first 30 days for a full refund, as long as no

claims have been made. No other refunds are given after 30 days. If this

contract is returned, we will refund the purchase price within 45 days and if

we fail to refund you within 45 days we will pay you a penalty of 10 percent of

the purchase price for each 30-day period that the refund remains unpaid. No

cancellation of a service contract may become effective until at least 15 days

after the notice of cancellation is mailed to the Holder. No service contract

that has been in effect for at least 70 days may be cancelled by the Provider

before the expiration of the agreed term or 1 year after the effective date of

the service contract, whichever occurs first, except on any of the following

grounds: (a) Failure by the Holder to pay an amount when due; (b) Conviction of

the Holder of a crime which results in an increase in the service required

under the service contract; (c) Discovery of fraud or material

misrepresentation by the Holder in obtaining the service contract, or in

presenting a claim for service there under; (d) Discovery of: (1) An act or

omission by the Holder; or (2) A violation by the Holder of any condition of

the service contract, which occurred after the effective date of the service

contract and which substantially and materially increases the service required under

the service contract; or (e) A material change in the nature or extent of the

required service or repair which occurs after the effective date of the service

contract and which causes the required service or repair to be substantially

and materially increased beyond that contemplated at the time that the service

contract was issued or sold.

Went over the contract with the customer, pointed out that if they vehicle had been altered, that portion of the contract claims would be not covered. When she submitted a quote request online, it asked if the vehicle was lowered or lifted, she answered no. The independent inspector said that the...

wheels were so large that the vehicle was sitting on the tires. A recommendation based upon our experience did not force her to purchase the optional coverage. It is unfortunate that the dealer did not let her know that these wheels are clearly out of factory tolerances. No one became loud or indignant, sorry if she felt that way. As I explained, any and all legitimate claims will be honored in the future. This one cannot be paid.
 
Thanks,