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Warranty selection from the Dealer
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<blockquote data-quote="smurfslayer" data-source="post: 1752930" data-attributes="member: 21926"><p>I had an allstate backed 3rd party warranty before. Don’t do it. </p><p>[USER=35543]@FordTechOne[/USER] is right, they will use any possible excuse to deny coverage. They’re an auto insurance company, that’s their business model.</p><p></p><p>I had what ended up being a cam chain tensioner fail in my SVT Mustang. It ran like crap below about 1800 rpms, but fine above that. Of course, it wouldn’t throw any codes, so most Ford mechanics were baffled. They knew something was wrong, just not what. I went to 3 different places, the last one was an independent shop. I had to authorize a tear down, so I got in touch with the warranty number, opened a case and I was authorized nnnn $ to perform the tear down. </p><p></p><p>The problem was difficult to identify and diagnose, but after being on the back burner a few weeks, they found the bad part. I got the estimate and warranty guys send out an adjuster who promptly identified my non OEM Cobra R model wheels, and some other bits and bobs, resulting in a denial of coverage. The mechanic wrote up a letter calling the guy an idiot, as the 2 are completely unrelated. Adjuster comes back out, scours the engine bay identifying 2 mods in the engine bay. Denial. Mechanic again, having had enough of this writes a letter indicating this is not only unrelated, he will agree to testify in court, free of charge as an expert witness, and he’s a 20 year retired ASE cert’d master tech, and former SVT qual’d mechanic, etc., etc. Radio silence for 2 more weeks and they eventually knuckle under, paying almost the full $$ amount. Nothing for being out of service by way of a rental or anything mind you, but they did eventually pay out, without going to court.</p><p></p><p>Delay, deny, delay more, obfuscate, use the contract against you, delay, deny, obfuscate more, repeat as needed until you pay out of your own pocket. </p><p>That’s their business model. Back when I had this drama their threshold was somewhere between 1k and 1500 bucks for an adjuster to be involved, not sure about now. </p><p></p><p>If you’re going to spend money on a warranty and the Ford ESP is available, you should get that.</p></blockquote><p></p>
[QUOTE="smurfslayer, post: 1752930, member: 21926"] I had an allstate backed 3rd party warranty before. Don’t do it. [USER=35543]@FordTechOne[/USER] is right, they will use any possible excuse to deny coverage. They’re an auto insurance company, that’s their business model. I had what ended up being a cam chain tensioner fail in my SVT Mustang. It ran like crap below about 1800 rpms, but fine above that. Of course, it wouldn’t throw any codes, so most Ford mechanics were baffled. They knew something was wrong, just not what. I went to 3 different places, the last one was an independent shop. I had to authorize a tear down, so I got in touch with the warranty number, opened a case and I was authorized nnnn $ to perform the tear down. The problem was difficult to identify and diagnose, but after being on the back burner a few weeks, they found the bad part. I got the estimate and warranty guys send out an adjuster who promptly identified my non OEM Cobra R model wheels, and some other bits and bobs, resulting in a denial of coverage. The mechanic wrote up a letter calling the guy an idiot, as the 2 are completely unrelated. Adjuster comes back out, scours the engine bay identifying 2 mods in the engine bay. Denial. Mechanic again, having had enough of this writes a letter indicating this is not only unrelated, he will agree to testify in court, free of charge as an expert witness, and he’s a 20 year retired ASE cert’d master tech, and former SVT qual’d mechanic, etc., etc. Radio silence for 2 more weeks and they eventually knuckle under, paying almost the full $$ amount. Nothing for being out of service by way of a rental or anything mind you, but they did eventually pay out, without going to court. Delay, deny, delay more, obfuscate, use the contract against you, delay, deny, obfuscate more, repeat as needed until you pay out of your own pocket. That’s their business model. Back when I had this drama their threshold was somewhere between 1k and 1500 bucks for an adjuster to be involved, not sure about now. If you’re going to spend money on a warranty and the Ford ESP is available, you should get that. [/QUOTE]
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