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Extended Warranty...getting screwed
Posted 30 October 2003 - 02:55 PM
So anyway, they tell me $400 to fix it...but the company my warranty is through has gone out of business (SmartChoice2000) so they won't cover my claim and I have to pay it out of pocket.
I argue to them, I bought the warranty FROM THEM at the time I purchased the car FROM THEM and the one time I take it in for service FROM THEM they're not going to stand by their own product? They said that I bought the warranty as a product of SmartChoice, they just sold it to me.
So anyway I have to go back tomorrow to get it fixed, and there will be a service manager there I can argue with.
Has anyone else out there bought this extended warranty from SmartChoice200 thru their local Subaru dealership? Dealt with this problem?
Posted 30 October 2003 - 04:47 PM
All service warranties are just insurance policies, and almost all underwriters are fly-by-night scammers.
Listen everybody DO NOT BUY WARRANTIES! After the dealer tries to sell you one, ask how much per month it will add to your payment. Then REFUSE, vehemently!
Go home and open a dedicated savings account and put that much money in it per month, then if you have a mechanical you will have YOUR money put away for the repair.
Oh, and tell the dealer that you were getting the car fixed so you would get your best price on a private sale because you WERE coming back to buy an new Baja, but now NOT, you'll go to another dealer.
Sorry this happened to you, join the fight against warranty rip-offs!
Posted 30 October 2003 - 09:29 PM
Posted 30 October 2003 - 11:40 PM
Posted 31 October 2003 - 07:40 AM
But remember, and everyone else DON'T BUY WARRANTIES!
It's a scam.
Posted 31 October 2003 - 09:58 AM
good thing i did, cause that warranty company, paid for an engine, rearend,brakes, rotors, drums, fuel injectors,fuel pump, sending unit, wiper motors and on down the list..
they paid about 8 grand in repairs on that damn thing.. so in my book the extended warranties are very nice to have.. sounds like you just got some bad luck with the company going outa buisiness.. i'd try and make the dealer pay ya back for that warranty..
i gotta add, the warranty company spent 8 grand on that van in a matter of 8 months or so.. so the $20 a month savings bein put in the bank wouldn't have cut it by a long shot..
Posted 01 November 2003 - 04:40 PM
So anyway the next morning I went back in at 7:20am to drop the car off...spoke briefly to the service manager about how disappointed I was about the coverage situation, but wasn't about to pick a fight at that time of the morning. He said they could offer me 10% off, I said 40 bucks off a $400 job really was no bargain. He said maybe we could work something out and I left the car.
Later in the day he called back and said "You had a $100 deductable on it anyway. If you pay the deductable, and for the timing belt ($79), we won't charge you for any of the labor. Does that sound fair?" I thought it was pretty fair. So in the end I'm satisfied.
Thanks for your helpful replies tho. I was all ready to start preparing my certified letter.
Posted 01 November 2003 - 08:08 PM
Posted 01 November 2003 - 09:29 PM
Sound's like a good deal to me also, it is so nice when someone does what is fair.
Posted 02 November 2003 - 10:00 AM
I would discourage anyone from spending the money on one of those warranties. Instead, buy it from the manufacturer. You are then dealing with the people who are also doing the service.
Bummer for your headaches!! I do have to give a "hats off" to the dealer for working with you!!
Posted 02 November 2003 - 10:58 AM
I haven't decided to pick it up, mostly because of the 'overlap' with the already fairly generous Subaru standard warranty.
On my '03 OBW they quoted $78 a year to 100,000 miles - NO TIME LIMIT. So if it takes 14 years to get to 100,000 I'll have coverage. It's exclusionary, which is good, anything not specifically on the list is covered. You can have it serviced at any certified shop(? - that probably means you can't diy it) You can drop it anytime and just stop paying the $78/yr.
But, it's $250 deductible and you must add it before 11mos./11K or the end of the car's model year.
But, if a drivetrain component goes out in - say - 2.9 years that costs $1000 to repair, you will have paid close to $230 for somthing covered by Subaru right?
If the same thing happens at 3.1 years, you will have paid the $230 plus shelling out the $250 ded.
It does seem that for someone buying a car that will not see high mileage, has a poor standard warranty and is expensive to repair this would be ideal. I just think keeping a little xtra in the bank for the car is just as good.
What do you guys think?
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