Protective Property & Casualty Insurance Company

Initial Business Response / [redacted] (1000, 9, 2015/09/03) */ This responds to your correspondence of August 26, addressed to Lyndon Property Insurance Company ("Lyndon")Lyndon insurers the obligations of the service contract provider, Protective Administrative Services, IncWe appreciate the opportunity to respond to Ms [redacted] 's concerns and hope you find the following information helpful We are very sorry to hear that Ms [redacted] did not receive a copy of her service contactOur records indicate that a copy of the service contract was sent three times, with the last one being sent on August 20, to [redacted] MA XXXXX and via e-mail to [redacted] @yahoo.com I will be sending Ms [redacted] another copy of the service contract to the address above We trust that this explains our handling of this matterPlease feel free to contact me if you have any further questionsBy pointing out the foregoing, Lyndon Property Insurance Company and Protective Administrative Services, Incdoes not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law

I purchased the [redacted] complete warranty coverage along with a new vehicleAt the time of purchase, the dealer described the plan as "all-inclusive," including the necessary charges associated with a covered repairI recently submitted a claim for a defective timing belt tensioner and drive belt idler pulleyThis repair involves removal/replacement of the timing belt, thermostat, and water pump, along with several additional itemsGiven that an ASE-certified repair facility is disinclined to re-install worn parts, the repair procedure requires the purchase of all of these itemsI was initially notified that the warranty would not cover the coolant and any unnecessary parts, and thus expected to incur minimal charges above the deductible ($50)However, upon receiving my vehicle after the repair, I was shocked to learn that the warranty company refused to cover several additional items, and my fee was over $500! This refusal to cover the necessary procedures is entirely unaccept

? This responds to the correspondence of December 29, regarding the subject Revdex.com case that was addressed to Protective Property & Casualty Insurance Company? ? At this time the claim is still under reviewOnce this review is complete, we will respond further ? By pointing out the foregoing, Protective Property & Casualty Insurance Company does not waive, but specifically reserves, any and all rights and defenses it may have under the Service Contract and applicable law? ? ? ? ? ? ? ? ? ? ? ? Sincerely, ? ? ? [redacted] Government Relations Paralegal

This responds to your correspondence of June 4, addressed to *** *** * *** *** *** (“PPCIC”)It has been forwarded to me for review and reply
With the information that has been provided, we are unable to locate Ms***’s Service ContractIf Ms*** could
provide us with a copy of the signed Deceleration Page of the Service Contract or the VIN number for the vehicle, we would be able to perform a more thorough search and respond to the issues raised
Ms*** may fax the information to *** or she may e-mail the information to *** Once this information is received, we will be able to respond furtherSincerely,
*** ** ***
*** **

The Service Contract is not a warranty since neither PP&CIC or the Administrator are in the line of vehicle manufacturing or distributionIt is also not insuranceThe contract provides a list of covered components and also components and events which are excluded from coverage
Under the terms of the service contract, coverage is provided only when there is a failure/breakdown of a covered component(s)As explained in our previous response, there was no mechanical breakdown shown for the components in question, but were replaced or repaired at the recommendation of the repair facilityAfter additional review of this claim file the decision remains unchanged
By pointing out the foregoing, PP&CIC does not waive, but specifically reserves, any and all rights and defenses it may have under the Vehicle Service Contract and the applicable law
Sincerely,
*** ***
Government Relations Paralegal

Initial Business Response /* (1000, 5, 2015/05/12) */
***,
Below is the prosed draft for the attached complaintThanks!
On behalf of *** *** *** Inc(WDS), we are responding to your April 29, letter regarding this matterPlease note that Lyndon Property Insurance
Company, which you have listed as the responsible party, insures the contractual obligations of Ms***'s Service ContractWe would ask that you change your file to list WDS as the Administrator and responsible party for addressing this matter
For the claim at hand, an independent inspection revealed that the vehicle has been modified with tires that are 14.44% larger than the manufacturer's recommended tiresThe manufacturer designs the vehicle with the specific tire size for a reason, the drive train and electronic fuel management system is calibrated from the factory for the specific tire size as designed by engineers for proper operation and performanceThe changing of tire sizes causes the engine management system to try and compensate for this change thereby changing the calibration of the electronic spark control, fuel delivery, power train systems (engine rpm's, emissions, transmission calibration, etc.) and odometer accuracy
Under the terms of the Service Contract, failures caused by "non-original equipment, wheels and tires, and body or suspension lift/lowering kits, chassis modifications" are excluded from coveragePlease see item #under the "EVENTS WHICH ARE NOT COVERED" section of the contractDue to this exclusion, the customer has been advised that future coverage for the transmission, driveline, steering, suspension and brake components are being suspended until the vehicle is brought back to the manufacturer's specificationsPlease note that this suspension of coverage is for future claims and a $2,payment has been sent to the repair facility for the current claimIf Ms*** wishes to cancel the Service Contract, she will be refunded a pro-rated amount based on the current mileage and amount of time that the contract has been in force
Based upon the terms of the Service Contract, WDS believes this claim has been properly adjudicated
The matters stated in this communication do not waive, but rather reserve any and all rights and defenses WDS may have under the Service Contract
Sincerely,
*** ***
Legal Assistant
Compliance/Legal Support
Asset Protection
Initial Consumer Rebuttal /* (3000, 7, 2015/05/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was SOLD THE TRUCK AS IT SITS RIGHT NOW, WITH the EXACT SAME TIRES ON IT...I have done absolutely NO MODIFICATIONS to it since I bought it!!!!! I was SOLD the extended warranty EXACTLY as the truck sits! I WAS TOLD BY THE DEALERSHIP that this warranty would cover everything AND WAS NOT INFORMED OF ANY STIPULATIONS!! I was also told by the dealership that WDS had SUSPENDED my warranty and I was supposed to receive a letter stating such...I STILL HAVE NO LETTER!! In order for the truck to have new tires, this means REMOVING THE LIFT KIT (which was ON IT WHEN I BOUGHT IT), buying ALL new rims (WHICH WERE ON IT WHEN I BOUGHT IT), and ALL NEW tires!!!! If this is how this company is going to do business then they need to contact EVERY dealership that they serve and TELL THEM THAT THESE TYPES OF VEHICLES ARE NOT COVERED!! Also, my bill was for a total of $2,for the repairs...why was only $paid???? I now have the SAME PROBLEM with the truck (swaying violently when hitting a bump) that I had before the control arms were replacedI have ordered new tires for the truck to see if this helpsFinally, I was told this vehicle also had the balance of the factory warranty...where the *** is this warranty??? If the Revdex.com is going to accept this type of practice...why are you even in business?? This is advertisement plain as day and leading a consumer to believe that there are no exclusions at the time of the sale of the extended warranty! This all being said...I DO NOT ACCEPT THIS STIPULATION from WDS!!!

Initial Business Response /* (1000, 5, 2015/09/04) */
This responds to your correspondence of August 26, addressed to Lyndon Property Insurance Company ("Lyndon") Lyndon insurers the obligations of the service contract provider, Western General Dealer Services, IncWe appreciate the
opportunity to respond to Mr***'s concerns and hope you find the following information helpful
According to our records, we show that a call was made to us on June 18, 2015, but the call was inquiring about cancelling the service contractOur records also show that there have been four (4) claims on this service contractThe last claim on record was called in on April 30, and was approvedOur records also indicate that the service contract was cancelled by the dealer as of June 1, due to the vehicle being traded in
We trust that this explains our handling of this matter Please feel free to contact me if you have any further questions By pointing out the foregoing, Lyndon Property Insurance Company and Western General Dealer Services, Incdoes not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law

I have a kia optima sx I have an extended warranty through protective asset through 100k milesI currently have 93k miles and have been jumping through hoops to get anything accomplishednow that all past service records have been collected the company is requiring a nearly impossible task for my mechanic to perform before anything further will be donethis process began in july of

I purchased the *** complete warranty coverage along with a new vehicleAt the time of purchase, the dealer described the plan as "all-inclusive," including the necessary charges associated with a covered repairI recently submitted a claim for a defective timing belt tensioner and drive belt idler pulleyThis repair involves removal/replacement of the timing belt, thermostat, and water pump, along with several additional itemsGiven that an ASE-certified repair facility is disinclined to re-install worn parts, the repair procedure requires the purchase of all of these itemsI was initially notified that the warranty would not cover the coolant and any unnecessary parts, and thus expected to incur minimal charges above the deductible ($50)However, upon receiving my vehicle after the repair, I was shocked to learn that the warranty company refused to cover several additional items, and my fee was over $500! This refusal to cover the necessary procedures is entirely unaccept

Complaint: ***
I am rejecting this response because: they took more than months to approved the claim, I received a phone call from the dealership I bought the truck from, and the lady I spoke to said the owner ( *** ***) had to get involved otherwise they would still not approving my claim, and just because they fault I'm not going to pay a big rental car bill, I need them to pay all of itAnd on the contract I have doesn't mention anything about rental just a $dollars deductible plus now I have to wait more for their part approval!! I can't pay something is not my fault had took so long
Sincerely,
*** ** ***

The Service Contract is not a warranty since neither PP&CIC or the Administrator are in the line of vehicle manufacturing or distributionIt is also not insuranceThe contract provides a list of covered components and also components and events which are excluded from coverage
Under the terms of the service contract, coverage is provided only when there is a failure/breakdown of a covered component(s)As explained in our previous response, there was no mechanical breakdown shown for the components in question, but were replaced or repaired at the recommendation of the repair facilityAfter additional review of this claim file the decision remains unchanged
By pointing out the foregoing, PP&CIC does not waive, but specifically reserves, any and all rights and defenses it may have under the Vehicle Service Contract and the applicable law
Sincerely,
*** ***
Government Relations Paralegal

Complaint: ***
I am rejecting this response because:
I spoke with several representatives of *** (henceforth referred to as "representative" or "representatives" or "the warranty") during the course of the repair procedure. The first representative
indicated that the repair would be covered, minus the deductible ($50). However, in order to proceed, the engine would need to be dismantled in order to inspect the failed part. This procedure thus required approximately hours of labor (per the repair facility's estimate). The failed parts were the idler pulley and the timing belt tensioner, and replacement of these parts requires removal/replacement (R&R) of the timing belt and associated parts. The repair facility indicated that the failed parts are purchased as a package and, as such, the additional components are part of the repair. Upon receipt of this information, I spoke with several other representatives. The last representative with whom I spoke (*** #***) indicated that the warranty would cover the cost of the necessary replacement parts, but that I would be responsible for the labor of the non-necessary parts. I then received clarification that the necessary repairs included the parts that are purchased as a package, and then received a quote for my part of the repair (from the repair facility) in the range of $275-(exact number is not available at this time). However, I was surprised to learn, upon picking up my car, that the *** program refused to cover all of the other expenses, and I would be required to pay >$500. I feel that the warranty, as advertised, is misleading. As described to me at the time of purchase (at *** *** *** in Fort Wayne, Indiana), the "complete" warranty covers all repairs, bumper to bumper, including the labor. In practice, however, the warranty seems to only cover failed parts and the portion of labor associated with replacing that part, but does not cover other parts that need to be replaced in order to properly perform the repair. In other words, the warranty only pays for a "DIY-style" repair, where non-failed parts are reused. The problem is that a reliable ASE-certified mechanic does not perform this type of repair, as they are unwilling to risk their liability or their reputation on a DIY-style repair. Nevertheless, the warranty requires that all repairs are performed at an ASE-certified facility, causing a potentially large discrepancy between the claim and the repair cost
Sincerely,
*** ***

Purchased a Mileage Plus Mechanical Breakdown Service Contract Valid for 36,miles I am writing this as a warning to this scam Contract only lists out items which rarely break down The back window shade in my Toyota Avalon Hybrid now makes a grinding sound when it tries to retract I looked on line, and apparently this is a common issue with Toyota cars which have this feature Took my car in and, of course, it wasn't covered Over $to have repaired I am looking at $just to have it disconnected (cannot use the fuse because it will also prevent other items from working) These types of contracts need to be investigated because they are simply a rip off to the consumers It only covers what, historically, does not happen

On August I bough a F- from a *** dealership in Woodbrdge, VA, of course is used so they offered me to buy a extended warranty , they told anything happen to your engine and transmission it would be covered, unfortunately after months the truck started to do some weird noise when I turned on or when on a red light, I thought it was something simple then after a week or so start getting worse so I decided to take it to a Ford Dealership as I was told I could take it to any Ford, they did the diagnostic contacted the warranty company they said they were going to send a inspector, that was like a week before Thanksgiving, took like weeks to get the inspector in, he got to the shop talk to the Service Manager and he said did see anything wrong , there is pistons are fallen off already, it wasn't enough to them, so they wanted to tear apart the engine I had to authorized it because I need my truck fix, second time inspector didn't agree what the shop said, so of course t

This responds to the correspondence of December 29, regarding the subject Revdex.com case that was addressed to Protective Property & Casualty Insurance Company At this time the claim is still under reviewOnce this review is complete, we will respond further By
pointing out the foregoing, Protective Property & Casualty Insurance Company does not waive, but specifically reserves, any and all rights and defenses it may have under the Service Contract and applicable law Sincerely, *** ** *** Government Relations Paralegal

Initial Business Response /* (1000, 9, 2015/09/03) */
This responds to your correspondence of August 26, addressed to Lyndon Property Insurance Company ("Lyndon") Lyndon insurers the obligations of the service contract provider, Protective Administrative Services, IncWe appreciate the
opportunity to respond to Ms***'s concerns and hope you find the following information helpful
We are very sorry to hear that Ms*** did not receive a copy of her service contactOur records indicate that a copy of the service contract was sent three times, with the last one being sent on August 20, to *** *** *** *** MA XXXXX and via e-mail to ***@yahoo.com
I will be sending Ms*** another copy of the service contract to the address above
We trust that this explains our handling of this matter Please feel free to contact me if you have any further questions By pointing out the foregoing, Lyndon Property Insurance Company and Protective Administrative Services, Incdoes not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law

See attached response

See attached response.

This responds to the correspondence of December 29, 2016 regarding the subject Revdex.com case that was addressed to Protective Property & Casualty Insurance Company.     At this time the claim is still under review. Once this review is complete, we will respond further.   By...

pointing out the foregoing, Protective Property & Casualty Insurance Company does not waive, but specifically reserves, any and all rights and defenses it may have under the Service Contract and applicable law.               Sincerely,       [redacted] Government Relations Paralegal

Initial Business Response /* (1000, 5, 2015/09/04) */
This responds to your correspondence of August 26, 2015 addressed to Lyndon Property Insurance Company ("Lyndon"). Lyndon insurers the obligations of the service contract provider, Western General Dealer Services, Inc. We appreciate the...

opportunity to respond to Mr. [redacted]'s concerns and hope you find the following information helpful.
According to our records, we show that a call was made to us on June 18, 2015, but the call was inquiring about cancelling the service contract. Our records also show that there have been four (4) claims on this service contract. The last claim on record was called in on April 30, 2015 and was approved. Our records also indicate that the service contract was cancelled by the dealer as of June 1, 2015 due to the vehicle being traded in.
We trust that this explains our handling of this matter. Please feel free to contact me if you have any further questions. By pointing out the foregoing, Lyndon Property Insurance Company and Western General Dealer Services, Inc. does not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law.