Proguard Warranty

I have proguard and it’s such a hassle that I went to one of the best foreign mechanics in my area but proguard makes it so difficult to deal with because , for one if you look clearly under proguard three, tpms monitors are covered and then I called, they said it’s not in my contract so your telling me because someone probably made a stupid mistake, or all of a sudden two days after when I realized the car I purchased the valves were all corroded and they all of a sudden have it online that they cover them but in my contract it’s not stated?!? I was told I would get a call back because of that and never did, also my trunk won’t open or lock on it’s own I’m using bungee cords, it says online the lift gate motor and actuator are covered but I’ve been to two different repair facilities through repairpal that say proguard won’t Cover them yet it says it ON THE WEBSITE WHAT IS GOING ON HERE!?!?!

I purchased their most expensive policy, every time I try to make a claim they find a reason to reject. i.e. my A/C was not working the policy states evac and recharge are covered, they said it was only covered when changing a component of the A/C. next my check engine light went on, took it to Pep boys they said I needed a knock sensor, which is covered, after further inspection I only need the wire harness which they said is excluded, I have had it with these people, I have since cancelled my policy and am waiting for a refund. DO NOT BY FROM THESE PEOPLE!

I've used my warranty with Proguard a few times already (unfortunately) and I've had problems with them each timeThe 24/contact people for towing are very helpful, but the claims people try their hardest to find ways to not pay for anythingI've been told multiple times by repair shops and dealerships that they're having a hard time convincing the claims people that the part/work required needs to be doneThey're cheap and they don't care about the safety of their customersI seriously regret purchasing a warranty from ProguardThe high cost does not help, either

[redacted] [redacted] [redacted] Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint[redacted] states in her complaint that her vehicle needed to go into the repair facility from 1/27/until 2/2/to have an air filter replaced and engine work completed We do not have record of her shop contacting us to start a claim on her vehicle for any engine work nor is the air filter covered under the warranty Therefore, since there was not a claim called in by her shop, we are unable to reimburse the customer her rental costs Customer also states that no one from our office has contacted her regarding her claim I have contacted the customer three times during different times of the day and still have not received a response.If you have any further questions, please do not hesitate to contact me at (570) 414-extension Sincerely, Sharlene N [redacted] ProGuard Warranty Inc

---------- Forwarded message ----------From: [redacted] *** < [redacted] @***.com>Date: Wed, Apr 20, at 12:PMSubject: [redacted] To: [email protected]: [email protected] Revdex.com,Just writing to inform you that Pro Guard warranty has come to an agreement with me and the repair facility for my rental days (16) and for the repair billIf you can disregard my complaint; that will be greatly appreciated.Thank You! [redacted] ***

[redacted] The Revdex.com Re: [redacted] Complaint #: [redacted] Dear [redacted] : August 5, Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint submitted for refund of his contract [redacted] ***, on December 7, 2013, signed a contract that states under the heading “Cancellation/Refunds”: ‘Only in the event Your Vehicle has been declared a total loss or has been repossessed or if you fail to pay the lien holder the Contract purchase price as agreed We will refund a pro-rata portion of the Contract purchase priceThe rights under this Contract are transferred to the lienholder in which the lienholder would be then entitled to a pro-rata refund reflecting the greater of the days in force or the mileage elapsed based on the term of the Contract.’ Since [redacted] ***’s vehicle has not been declared a total loss nor has it been repossessed, no refund is due from ProGuard Warranty If you have any further questions, please do not hesitate to contact me at ###-###-#### Sincerely, Sharlene N [redacted] ProGuard Warranty Inc

From: [redacted] and [redacted] < [redacted] @***.com>Date: Thu, Sep 17, at 6:PMSubject: Complaint resolvedTo: [email protected] [redacted] ,please be advised that complaint ID # [redacted] has been resolved as of 9/16/2015.Pro warrant company has met all of there obligations in the matter of warranty coverage on the [redacted] steering issues.Thank you for your valuable input and speedy response on this matter.Best regards, [redacted]

[redacted] The Revdex.com Re: [redacted] Complaint #: [redacted] Dear *** [redacted] : August 5, Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint submitted for refund of his contract [redacted] ***, on December 7, 2013, signed a contract that states under the heading “Cancellation/Refunds”: ‘Only in the event Your Vehicle has been declared a total loss or has been repossessed or if you fail to pay the lien holder the Contract purchase price as agreed We will refund a pro-rata portion of the Contract purchase priceThe rights under this Contract are transferred to the lienholder in which the lienholder would be then entitled to a pro-rata refund reflecting the greater of the days in force or the mileage elapsed based on the term of the Contract.’ Since [redacted] ***’s vehicle has not been declared a total loss nor has it been repossessed, no refund is due from ProGuard Warranty If you have any further questions, please do not hesitate to contact me at ###-###-####Sincerely, Sharlene N [redacted] ProGuard Warranty Inc

[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: [redacted] I am rejecting this response because:I AM STILL ENTITLED TO A REIMBURSEMENT FOR THE TIME MY VEHICLE WAS IN THE SHOP.THIS IS NOT FAIR AT ALL TO ME.I AM VERY DISGUSTED WITH THIS COMPANY AND HOW THEY ARE TREATING ME REGARDING THIS THIS REFUND AND THEY STILL NEVER ACKNOWLEDGE ME ABOUT THE LAST TIME MY VEHICLE WAS IN THE SHOP AND I HAD TO PURCHASE A RENTAL 3/31/2015-4/18/2015.ACTION NEEDS TO BE TAKEN REGARDING BOTH REFUNDS!!Regard, [redacted]

I bought their most expensive warranty availableIt was an extension of the manufacturers warranty so I thought getting my faulty transmission repaired wouldn't be a problemThey suggested I go to a local transmission shop, AMCO transmission on Glenwood Avenue in Raleigh NCI have no gripe with AMCO, they did a good jobWhat I do have a problem with was my bill when I went to pick the car upI bought the warranty for $a month and half agoMy bill after getting my transmission fixed, which is covered under the warranty was $There are so many hidden factors and exclusions in the warrantyPlease beware of purchasing oneFirst, they only cover labor time at $an hourThe shop that THEY suggested I go to had a labor fee of $an hourOn top of that, they only paid for of the hours required to do the repairThey also wouldn't pay for any of the taxes, disposal fees, transmission fluid, etcAt the end of the day my they paid for $of my bill leaving me with the other $Please research other companies before you go with themTheir staff was quick and responsive and helpful, but the warranty itself is garbageDO NOT BUY

[redacted] Revdex.com of Metro Washington DC and Eastern Pennsylvania Re: [redacted] [redacted] August 10, Complaint # [redacted] Dear [redacted] : Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint: On May 12, 2012, [redacted] purchased a month / 40,mile warranty for her [redacted] ***, VIN # [redacted] Over the term of the warranty, multiple claims were made, each of which were promptly resolved, with a total cost for the claims of $3, The claim [redacted] is disputing is for a power steering pump that was installed on December 18, The first power steering pump that was delivered was damaged in transit and could not be installed; the supplier provided a new pump to replace the damaged pumpThe new pump that was installed had an month warranty, which was congruent with the remaining term of the auto warrantyAn OEM pump, which had a month warranty, was not chosen because the pump would not have been covered for the remaining term of the auto warranty [redacted] believes a refund should be issued for the power steering pump, even though the warranty had expiredWe handle all claims expediently and in a professional manner, but we have to be diligent in adhering to the terms of the service agreementWith the warranty having expired, the power steering pump was not covered under an existing warranty If you have any further questions, please do not hesitate to contact me at ###-###-#### Sincerely, Sharlene N [redacted] ProGuard Warranty Inc st1\: [redacted] / [redacted] Style Definitions */

To whom it may concern:Please accept this correspondence as ProGuard Warranty's response to the complaint referenced above In an effort to keep ProGuard's response as concise as possible, ProGuard references the following facts After purchasing a vehicle service contract, [redacted] has made multiple claims for various mechanical issues As part of the contract between ProGuard and [redacted] , ProGuard has reserved the right to complete an independent inspection prior to approving any vehicle service Because multiple claims exist on this vehicle, ProGuard did, indeed, secure an independent inspection agency to inspect the vehicle However, the auto shop involved, Bingie's, was unable to break down a component of the engine for inspection without specific approval from [redacted] The independent inspector arrived at Bingie's auto shop yesterday, 2/8/16, to inspect the vehicle, only to find that the vehicle was not prepared for inspection This inspector was informed that approval had just been received from [redacted] , but the shop had not had sufficient time to break down the mechanical component ProGuard received notice today, 2/9/16, that the independed inspector returned to Bingie's auto shop and was able to complete the inspection ProGuard expects a written inspection report within hours and will then make a decision to approve or disprove [redacted] 's claims based on the findings of the independent inspector At such time, ProGuard will update this response to reflect the new information received from the independent inspector

[redacted] [redacted] [redacted] [redacted] Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint that the customer rejected With regards to [redacted] latest response about her claim, the repair she is requesting rental reimbursement for did not require more than eight (8) hours of labor, it only required six (6) hours of labor We understand that the customer needed to get back and forth to school and work, however, our contract states that the repairs must exceed eight (8) hours of labor time NOT including “delays caused by unavailability of parts, shipping, repair facility schedules, or other factors” in order to be reimbursed for rental car coverage as stated in the customer’s contract If you have any further questions, please do not hesitate to contact me at ###-###-#### Sincerely, Sharlene N [redacted] ProGuard Warranty Inc

[redacted] Re: Complaint number [redacted] : Please accept this correspondence as ProGuard Warranty's response to the above-referenced complaint class="MsoPlainText"> [redacted] asserts that she purchased her vehicle, a [redacted] ***, from [redacted] Auto in June of At that time, [redacted] also asserts that she completed a ProGuard Warranty application for a vehicle service contract and made a payment of $in consideration for the vehicle service contractIn 2015, when [redacted] ***'s vehicle needed service, she learned that no valid contract was on file with ProGuard Warranty [redacted] initially lodged a complaint with the [redacted] Auto, who issued a check in the amount of $as a full refund for the application of the vehicle service contract Although [redacted] was informed that a ProGuard sales representative was most likely the reason why ProGuard had not received the contract, ProGuard politely and respectfully disagrees As a matter of company policy, ProGuard accepts only business checks as a form of payment for vehicle service contractsPersonal checks and/or cash are never acceptedTherefore, when [redacted] made her payment to [redacted] Auto, it became the auto dealer's responsibility to return the application and payment to ProGuard in a timely manner ProGuard also adheres to a strict policy of only accepting service contracts from authorized dealers within days of sale of a vehicle This ensures ProGuard that vehicles covered under its service contracts meet certain standards In fact, ProGuard received three vehicle service contracts from [redacted] Auto for vehicles sold in June of Although ProGuard would have welcomed the opportunity to cover [redacted] ***'s vehicle, a contract was never received on her behalf Finally, ProGuard feels strongly that, in reimbursing the full amount of the vehicle service contract, [redacted] Auto recognized an error or omission on dealer's part and attempted to rectify the situation Sharlene N***

[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 as Answered] Complaint: [redacted] I am rejecting this response because: If the car was running low on oil, then why didn't the low oil light appearBetween the recommended service mileage and the engine failure was not over milesAlso the place where the oil was changed used the license plate number to register the carYour trying to find anything to not fix this car with this petty stuffThey used synthetic oil and there were no oil leaks coming from the bottom of the car to indicate there was anything wrongIf the oil was low then this car still had a malfunction with the electric or computer systemThis engine failure was not caused by improper lubrication purposely or failure to provide maintenanceIf this was obviously known we never would of gotten on the highway to drive states awayThat's cray when we have another car, we could of just put the Nissan Rogue on the highway Regards, [redacted]

Dear [redacted] Shortly after sending the Revdex.com my issue with ProGuard Warranty this morning, I received a call from Dominic L [redacted] from ProGuardHe was extremely pleasant and responsive and I now have my copy of the warranty card that he sent by mail to me to be followed up with the hard copy cards shortlyIf possible, I would like to withdraw my complaint about ProGuard since the response time and customer care was excellent

[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: [redacted] I am rejecting this response because:I AM STILL ENTITLED TO A REIMBURSEMENT FOR THE TIME MY VEHICLE WAS IN THE SHOP.THIS IS NOT FAIR AT ALL TO ME.I AM VERY DISGUSTED WITH THIS COMPANY AND HOW THEY ARE TREATING ME REGARDING THIS THIS REFUND AND THEY STILL NEVER ACKNOWLEDGE ME ABOUT THE LAST TIME MY VEHICLE WAS IN THE SHOP AND I HAD TO PURCHASE A RENTAL 3/31/2015-4/18/2015.ACTION NEEDS TO BE TAKEN REGARDING BOTH REFUNDS!! Regard, [redacted]

Ms [redacted] Revdex.com of Metro Washington DC and Eastern Pennsylvania Re: [redacted] Complaint #: [redacted] Dear Ms [redacted] : March 2, Please accept this correspondence as ProGuard Warranty Inc.’s response to the above referenced complaint Mr [redacted] purchased a month comprehensive vehicle service contract on December 26, for his Mini CooperOn February 3, 2015, Mr [redacted] took his vehicle to [redacted] Auto Repair for service and initiated a claim with ProGuard Warranty [redacted] Auto Repair determined a new clutch was necessary, which is a non covered item on Mr [redacted] ’s vehicle service contract [redacted] Auto Repair proceeded with the repair and found damage to the flywheel Upon receipt of this information, ProGuard sent an independent vehicle inspector to the repair facility and evaluate the vehicle The inspector’s report states, “Clutch disc worn down to rivets with hot spots on dual mass flywheel Dual mass flywheel loose/weak inner springs when turned by hand Damage to old parts and miles on vehicle consistent with abuse/premature wear of parts” Based on the inspector’s findings and Mr [redacted] ’s contract, which states, “abuse of a non covered item (the clutch) that causes damage to a covered item (the flywheel) is not covered under the customer’s vehicle service contract Therefore, Mr [redacted] ’s repair would not be covered by ProGuard If you have any further questions, please do not hesitate to contact me at ###-###-#### Sincerely, Sharlene N [redacted] ProGuard Warranty Inc

---------- Forwarded message ----------From: < [redacted] >Date: Mon, May 9, at 4:PMSubject: complaint number [redacted] To: [redacted] HiThe business, ProGuard Warranty contacted me and the dealership's service department and said they will cover the repairProGuard asked me to inform you and ask that the letter be removedThank you for getting their attention and resloving the issue [redacted]

RE: Complaint ID [redacted] To whom it may concern: Kindly accept this correspondence as ProGuard Warranty’s response to the above-referenced complaint. ProGuard acknowledges that Mr. [redacted] purchased a service contract for a 2006 BMW 525i. ... Recently, Mr. [redacted] initiated a claim for this vehicle, which involved multiple components of the vehicle’s suspension: ball joints, tie rod ends, and a knuckle. Mr. ***’s claim was approved for the covered components (ball joints and tie rod ends), and payment in the amount of $487.84 was sent electronically to the repair facility, [redacted] . Payment included the covered amount for parts and labor, less Mr. ***’s $100.00 deductible. Knuckles are not a covered component, and therefore this portion of Mr. ***’s claim was not approved. Mr. [redacted] has asserted that confusion over the name of the non-covered component led to the denial of that portion of his claim. ProGuard would like to point out that the part number for the non-covered component in question is [redacted] According to the Original Equipment Manufacturer, this part number refers to a knuckle. Knuckles are not listed in the coverage section of Mr. ***’s service contract. ProGuard Warranty is committed to excellence in customer service and remains confident that Mr. ***’s claim was handled in a fair, adequate and timely manner. We trust this satisfies your concerns. However, please feel free to contact ProGuard should you have any further questions. Sincerely, Dominic L [redacted] Chief Operating Officer