Preferred Warranties Inc

We are responding to the complaint filed by *** ***
regarding his Vehicle Service Contract (VSC)
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On 02/10/2014,
*** *** called Preferred Warranties, Inc(PWI) with a diagnosis of *** ***’s vehicle that the oil filter housing gasket needed to be replaced
Please
refer to the VSC under the Powertrain Coverage, which is included under the
Extra Mile Coverage, which states the oil filter
housing gasket is not a covered component under the VSC:
POWERTRAIN COVERAGE
When POWERTRAIN Coverage is selected on the
front of this Agreement, only the parts listed in 1-are coveredParts not
listed are not covered
SEALS & GASKETS - Cylinder head
gasket and intake manifold gasket when leaking internallyAll other seals and
gaskets are covered only if required in
conjunction with a covered repair
*** is requesting a refund on his Vehicle Service
ContractUnfortunately after days from the purchase date, the VSC is
nonrefundable
Please see section under refunds
REFUNDS
This Agreement may be cancelled for any
reason within days of Purchase if no repair work has been performed or
commenced and the total amount paid for the contract will be refunded by the
Selling Dealer to the lienholder (if applicable)To cancel, submit to the
Selling Dealer listed above a written request for cancellationThe right to
refund is not transferableOnly the Selling Dealer is responsible to refund
the Price paid for this AgreementMore than days after purchase, the
contract may be cancelled only by the lienholder in the event of repossession
or total loss if no repair work has been performed or commencedAdministrator
will retain a $cancellation fee plus an amount calculated pro rata based on
the months or mileage elapsed since Purchase, whichever is greater
I trust this satisfactorily explains the terms of this
contract
Respectfully,
Preferred Warranties, Inc

Preferred Warranties Inc(PWI) has
been in contact with ***
***’s selling dealer and we are working together to
resolve the issue

Preferred Warranties Inc(PWI) would like to respond to complaint # *** of *** *** ***
The vehicle service contract (VSC) states that the contract must be purchased the same date as the purchase date of the vehicleSupporting documents show that the vehicle was purchased before the
contractPWI does not have proof that the contract was sold to *** *** the same day he purchased the vehiclePlease refer to the contract on page
WHAT IS COVERED BY THIS AGREEMENT
This Agreement is not an insurance policy and, to be valid, must be purchased at the same time as the vehicle covered by this AgreementExcept as explained below, Administrator agrees to replace or repair parts listed in the Coverage described below if those parts are worn beyond serviceable limitsWhen making repairs, the repair center authorized by PWI will use components of the same type and quality as those removed, which may include rebuilt, remanufactured, recycled or nonoriginal manufacturers’ parts at the sole discretion of PWIThe coverage you selected is shown on the front of this AgreementCoverage applies only to the parts listed under the coverage YOU selected, and to related laborThe labor required to repair or replace all parts covered under this Agreement will be paid at the industry accepted flat rate as indicated in a current edition of *** or *** labor guides, multiplied by the fair market hourly labor rate
Since we cannot verify that the purchase date and the contract date are the same, the contract is void*** *** may go back to the selling dealer for a full refund of the VSC
If *** *** has any questions, he may call the Claims department at ###-###-####

Preferred Warranties, Inc(PWI) would like to respond to *** *** ***’ complaint # *** on
07/31/
On 07/17/14,
*** *** ***’s diagnosis for *** ***’ vehicle was failure of the right
rear axle at the boot and axle seal was leakingLeaking
of the drive axle boot caused failure to the drive shaft Neither item is a covered component under Plus
coverage in the Vehicle Service Contract (VSC).
The VSC is parts’ specific; therefore
parts not listed under the Plus coverage are not covered items
Coverage on the drive shaft is dependent on
the reason for failureWhen a covered part fails due to the failure of a
non-covered part (see item below) the otherwise covered part would not be
eligibleIn this case, the drive shaft failed because of a failure of the
drive axle boot which is a non-covered component
Please refer to the VSC:
THIS
SERVICE CONTRACT DOES NOT COVER
#
Other maintenance
services and parts, including engine tu(includes spark plugs, glow plugs,
ignition wires, distributor cap and rotor), batteries, filters, lubricants or
fluids, air conditioning refrigerant, engine coolant, timing belt, all hoses
and belts, wiper blades, brake pads and shoes, brake rotors and drums,
suspension alignment, struts, constant
velocity boots, tires, wheel covers, wheel rims, wheels, wheel balancing,
shock absorbers, exhaust system, catalytic converter, pilot bearing and any
manual clutch components
#For a breakdown of a covered part
resulting from the failure of a non-covered part
*** *** referred to item # ABS - Electronic control processor,
wheel speed sensors, hydraulic pump/motor assembly, pressure modulator
valve/isolation dump valve/isolation dump valve, accumulator, seals and
gaskets. The seals and gaskets
section is specific to ABS under the Extra Mileage coverageThe Plus contract,
that *** *** purchased, does not include #
We are sorry
we are unable to help *** *** at this time and we hope this satisfactorily
explains our obligations. Should *** *** need any assistance in the future, he may contact us as his contract is
still in good standing

Preferred Warranties, Inc(PWI) would
like to respond to Mr*** ***’s complaint # *** on
1/30/15.Based on the independent inspection, no
mechanical failure was found on Mr***’s vehicleThe customer’s complaint is excessive
oil usageHowever
based on the report, the usage falls within the
allowable perimeters of the vehicle’s manufacturer.It is our understanding based on the
conversation with the selling dealer, Mr*** had opted to
retain the vehicle and the Vehicle Service ContractPWI would like to
remind Mr*** of his obligations as a contract holder in
reference to fluid levels.YOUR
MAINTENANCE OBLIGATIONSYOU
have certain duties, including the duty to maintain the vehicle under
the standards of the manufacturer and the duty to protect against any
further damage caused by continued operation.YOU
must have the automobile covered by this Agreement serviced as
follows:
Change engine oil and filter to manufacturer’s specifications
Check and maintain fluid levels, including: coolant, transmission,
brake system master cylinder, power steering pump, front and/or rear
axle
Follow all other manufacturer recommendations as provided in the
owner’s manual.YOU
must save all receipts for service performed on the vehicle covered
by this AgreementYOUR failure to have service to the Covered
Vehicle in the manner described above may result in the denial of
claims presented under this Agreement.If Mr*** would like to pursue
this claim further, he can contact the Claims Department at
###-###-#### for the appropriate next step, which will include
further teardown of the engine at Mr***’s expense

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Dear *** ***:
** *** *** ***’s diagnosis did not fix the customer’s concernThe shop indicated the transmission was still not shifting gears properly and requested an authorization for a replacement transmission which includes another valve bodyBoth *** *** & ** *** *** *** were advised that PWI could not pay twice for the same part.The Vehicle Service Contract does not provide coverage for misdiagnosesPWI stands by their decision and has agreed to pay the amount for a used transmission and labor, totaling $2252.50, less the $already paid for the valve body, for a remaining balance of $
Once repairs are complete, and the customer is satisfied, we will release payment in the amount of $to ** *** *** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:Date: 02-27-As of this date, Preferred Warranties Inchas fulfilled their contractual warranty obligations with me to my satisfactionI now withdrawal my complaint against Preferred Warranties Incwith the Revdex.comI appreciate the Bureau's assistance in this matter.,
*** ***

I purchased a Honda Mini van in January of with 113k and all was well until a couple month down the road I began to experience some electrical problemsI called Preferred and everyone was very help, they helped me find a shop and even paid above what they listed for a labor rate to make sure I was happy with shop I choseVery professional

Preferred Warranties Inc(PWI) would like to respond to *** ***’s complaint #*** *** purchased the Base coverage Vehicle Service Contract (VSC) on 07/01/When Base Coverage is selected on the front of the Agreement, only the parts listed in 1-are coveredParts not listed are
not coveredThe diagnosis for *** ***’s vehicle was failure of the front ball jointsUnder the Base coverage, parts not listed are not coveredTherefore, ball joints are not covered under the Base coverage contract that *** *** purchased Periodically, PWI makes contract coverage changes which include added coverage to certain components As of 01/2017, there were several changes made to the VSC including coverage of ball jointsThis coverage change is effective on contracts purchased on or after 01/01/Please refer to the disclaimer on the website on the bottom right of the protection plan PDF stating that Listed items are general guidelines onlyPlease see contract for complete detailsA form of contract can be obtained by contacting your dealer or a PWI representativeWe apologize for any confusion this may have causedAttached is a copy of the contract that *** *** purchased for referenceShould *** *** have any further questions regarding this claim, please do not hesitate to contact our office at ***

Preferred Warranties, Inc(PWI) would like to respond to *** *** ***'s complaint # ***On 06/07/16.An independent inspection was completed on *** ***'s vehicle and the diagnosis determined the front differential carrier had delaminated sending metal debris throughout the unitThere
was an abwear pattern and scoring seen to the ring and pinion gearsAlso found in the inspection was debris in the engine oil pick up screenThe debris had formed to the screen indicating prolonged presenceThe inspector determined the forming of the debris is an indication of a pre-existing condition.The inspector's opinion of cause of failure was failure to the carrier bearing with Sub damage and foreign debris causing lubrication concern and sub damage.Failure due to pre-existing condition and contamination is not listed as covered under the Vehicle Service Contract (VSC)Please refer to the VSC under items the service contract does not cover.THIS SERVICE CONTRACT DOES NOT COVERBenefits for any breakdown caused by contamination, overheating, lack of coolant or lubricants, lack of oil viscosity, sludge or restricted oil flowExamples include but not limited to:engine and transmissionBenefits for a breakdown which existed prior to or was caused by a condition which existed prior to the service contract purchase date.If *** *** has any additional questions, he can contact our office at ###-###-####

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
As stated in my initial complaint this company was well aware of this type of failure and a misrepresentation was made to me that any type of failure would be coveredClaiming to cover all parts and then slipping in fine print covenants like this is a deceptive business practice and has cost me a lot of moneyThe company does not seem to care that not only did I pay them $1,for coverage that didn't cover my failure, but I also had to pay an additional $5,on TOP of that costSo all in all I shelled out $7,for a $11,truck that I haven't even had for a yearIt is clear this organization does not care for customer retention or reputation as they have made ZERO effort to work with me even though I was entirely lied to about my coverage..
Regards,
*** ***

Preferred Warranties, Inc(PWI) would like to respond to *** *** ***’s complaint # *** on 03/23/
An independent inspection was completed on *** ***’s vehicle and the diagnosis determined the engine was extremely sludged up and appeared that some rocker arms fell off and got
caught under the camIn addition, it appeared that at least two valve stems had broken off and were laying in the sludgeThe interior of the lower end was heavily sludged and dirty
The inspector’s opinion of cause of failure was the extremely poor internal engine conditions leading to compromised engine operation and lack of proper oil flow, which would cause valve tensioners to malfunction and the rocker arms to fall off, apparently dropped a valve or into the cylinders
Failure due to sludge is not a listed item for coverage under the Vehicle Service Contract (VSC)Please refer to #of the VSC under items the service contract does not cover
THIS SERVICE CONTRACT DOES NOT COVER
Benefits for any breakdown caused by contamination, overheating, lack of coolant or lubricants, lack of oil viscosity, sludge or restricted oil flowExamples include but not limited to: engine and transmission
If *** *** has any additional questions, he can contact our office at ###-###-####

Preferred Warranties Inc(PWI) would like to respond to Revdex.com Complaint #*** of *** *** ***
The vehicle service contract (VSC) states that PWI uses components of the same type and quality as those removed when making repairs
Please refer to the contract:
WHAT IS
COVERED BY THIS AGREEMENT
This Agreement is not an insurance policy and, to be valid, must be purchased at the same time as the vehicle covered by this AgreementExcept as explained below, Administrator agrees to replace or repair parts listed in the Coverage described below if those parts are worn beyond serviceable limitsWhen making repairs, the repair center authorized by PWI will use components of the same type and quality as those removed, which may include rebuilt, remanufactured, recycled or nonoriginal manufacturers’ parts at the sole discretion of PWIThe coverage you selected is shown on the front of this AgreementCoverage applies only to the parts listed under the coverage YOU selected, and to related laborThe labor required to repair or replace all parts covered under this Agreement will be paid at the industry accepted flat rate as indicated in a current edition of Mitchell or AllData labor guides, multiplied by the fair market hourly labor rate
PWI does give the customer the option to upgrade and pay the differenceThis option was given to *** *** on 12/7/On 12/8/15, *** *** told the claims adjuster to go with the used transmission
When *** *** called on 02/26/16, the VSC was expired as of 12/26/15; therefore PWI is unable to assist with any further repairs

In response to *** ***’s complaint rejection, Preferred Warranties Incwas provided an initial diagnosis that the failure was to the dipstickThe dipstick is not a covered component under the Vehicle Service ContractSince *** ***’s contract was canceled and refunded, his contract is no longer valid with PWI

I bought a used car, it ran beautifully, I had it serviced an inspection shortly after the purchase and suddenly the whole car was a mess, the service station had destroyed my car I had a pretty good plan under Preferred Warranties Inc, and while everything that needed to be done was not covered, everything that the pamphlet said would be covered, absolutely was In addition, the personnel helped a ton, Preferred Warranties helped me get a refund from the service station for the work that the station had botched so I could apply the money towards getting the car fixed properly, the agents spent alot of time on the phone with me giving me advice that was very helpful to maximize their possible coverage on the work done to my car, the agent was friendly and corresponded with me regularly to keep me up to date on the claims I had, coming from a bad service job on my new car, I found Preferred Warranties to be a silver lining to work with, and that their coverage and willingness to cover matched exactly what is in their pamphlet My thanks

Preferred Warranties Inc(PWI) would like to respond to complaint # *** of *** ***
Once we received the Revdex.com complaint, our claims manager made several attempts to contact *** *** regarding his claim through the phone number in our systemWe were unable to reach him and could not
leave a messageWe would be happy to review *** ***’s claim to help resolve the issueIn order to better assist in the claim, please have *** *** call our Claims Department at ###-###-#### and ask for the claims manager, Colleen J***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: your selling a warranty on something you don't know the condition of That is a deceptive business practice How can you sell coverage on something you don't know about? You had your representative sell me worthless coverage on something that as you stated would never be covered That is consumer fraud.
Regards,
*** ***

Terrible companywont let me use good shops and forces me to use shops that wont fix the problem but make them worse

Dear *** ***:
Preferred Warranties was contacted by ** *** *** ***
on 10/2/@ 10:AMThey stated *** ***
had brought the vehicle into them
on 9/26/with a transmission complaintTheir diagnosis was a faulty valve
body (an internal component of the transmission) failureAfter calling *** *** our claims adjuster
authorized payment of $for the valve body replacement on 10/2/@
12:PM We then faxed an
authorization form to ** *** *** *** clearly stating the following:
*
This authorization is good for days from the approval date above
**
Repairs must correct the customer's concern in order for authorization to be
valid
*** PWI is not responsible for
sales tax
On 10/7/15, ** *** *** *** submitted their invoice for
final paymentAs agreed, Preferred
Warranties Incpaid ** *** *** *** $for the approved repairs
On 10/21/Preferred Warranties was contacted again by ** *** *** *** stating *** *** had returned the vehicle to them on
10/19/** *** *** *** indicated the transmission was still not
shifting gears properlyThey requested an
authorization for a replacement transmission; which includes another valve
body
We advised both *** *** & ** *** *** *** that we
could not pay twice for the same part and for repairs that did not fix the customers
concern. ** *** *** *** claimed that they would
not refund any of the previous monies paid as their protocol is to replace the
valve body and then determine if that corrects the issueIf this issue is not
corrected, phase two is to replace the transmissionOur
adjuster reviewed the estimates & invoices submitted by My Auto Import
Center and nowhere had ** *** *** *** disclosed that what they had
diagnosed, may not fix the problemHad they disclosed this we would have
either sent a used transmission or suggested that ** *** take the vehicle to a
certified transmission shop for proper diagnoses
While we appreciate *** ***’s situation, the Vehicle Service Contract does not provide
coverage for misdiagnosesWe are not in the position to pay for repairs that
do not fix the customers concern. Preferred Warranties has agreed to pay the
amount for a used transmission and labor, totaling $2252.50, less the $already
paid that did not correct the issue, for a remaining balance of $
Once repairs are complete, and the customer is satisfied, we
will release payment in the amount of $to ** *** *** ***