GMEPP Issues and Warning
10-25-2017, 09:44 PM
#1
Burning Brakes
Thread Starter
GMEPP Issues and Warning
Bottom Line Up Front: Looking to collect information from anyone that has had similar experiences as identified below. I am pursuing a lawsuit against the company and may be forming a class action lawsuit if enough individuals have had this issue. Please feel free to contact me regarding your experience and provide your contact information.
Warning to all corvette (and GM vehicle) owners that may be considering purchasing a GMEPP vehicle service contract/extended warranty plan – the new company running this plan is very deceptive and will do anything they can to void/cancel the contract when you need repairs. My 2007 show car had GMPP on the car from 2009-2015, and I never once had an issue getting a claim paid by the specialty repair shops. My car recently went into the shop for a wobbling harmonic balancer, and the service contract company sent a claims adjuster out to look at the car after request for repair approval by American Heritage Performance (highly regarded shop here in SoCal, they do great work!). The adjuster took a picture of my engine bay and other areas on the car and indicated he was recommending the repair be approved. The next morning, at 0621 PST (0821 CT), a supervisor at AMT Warranty Company looked at the pictures of the engine bay and noticed that there were headers installed on the car. At 0625 PST, that same supervisor made the decision to unilaterally cancel the service contract in breach of the CA specific terms of the service contract and denied the claim. I have fought with them for 6 days regarding their breach of contract, and through this fight determined that a) they will do anything they can to cancel the contract so they can “refund” you a prorated amount and b) the Insurance Company listed as the guarantor of the service contract (Wesco Insurance Company, aka Warrantech) is part of the Service Contract Company (AMT Warranty Company) despite no disclaimer that they are affiliated. While the contract does not cover the replacement of aftermarket parts, it also does not provide an allowance for the company to cancel the contract due to the presence of aftermarket parts.
Throughout this process, I called the selling dealership multiple times, and despite their sales of numerous contracts to corvette forum members they provided little to no assistance in this matter. AMT Warranty Company is claiming that the car should have never had a contract sold on it to begin with, and that the selling dealership/individual is at fault, as the car has modifications including “performance parts” (headers, exhaust). The selling dealership deferred to AMT Warranty Company and is stating there is nothing else they can do to help. As such, I wanted to make sure that the community is aware of this change in approach by AMT Warranty Company (GMEPP) as compared to Ally (GMPP) and ensure you take this into consideration when purchasing a service contract.
Please contact me via PM if you would like more information regarding this issue or if you would like to provide information on issues you have had as well as your contact information for possible inclusion in a class action lawsuit against AMT Warranty Company as administrators of GMEPP.
Warning to all corvette (and GM vehicle) owners that may be considering purchasing a GMEPP vehicle service contract/extended warranty plan – the new company running this plan is very deceptive and will do anything they can to void/cancel the contract when you need repairs. My 2007 show car had GMPP on the car from 2009-2015, and I never once had an issue getting a claim paid by the specialty repair shops. My car recently went into the shop for a wobbling harmonic balancer, and the service contract company sent a claims adjuster out to look at the car after request for repair approval by American Heritage Performance (highly regarded shop here in SoCal, they do great work!). The adjuster took a picture of my engine bay and other areas on the car and indicated he was recommending the repair be approved. The next morning, at 0621 PST (0821 CT), a supervisor at AMT Warranty Company looked at the pictures of the engine bay and noticed that there were headers installed on the car. At 0625 PST, that same supervisor made the decision to unilaterally cancel the service contract in breach of the CA specific terms of the service contract and denied the claim. I have fought with them for 6 days regarding their breach of contract, and through this fight determined that a) they will do anything they can to cancel the contract so they can “refund” you a prorated amount and b) the Insurance Company listed as the guarantor of the service contract (Wesco Insurance Company, aka Warrantech) is part of the Service Contract Company (AMT Warranty Company) despite no disclaimer that they are affiliated. While the contract does not cover the replacement of aftermarket parts, it also does not provide an allowance for the company to cancel the contract due to the presence of aftermarket parts.
Throughout this process, I called the selling dealership multiple times, and despite their sales of numerous contracts to corvette forum members they provided little to no assistance in this matter. AMT Warranty Company is claiming that the car should have never had a contract sold on it to begin with, and that the selling dealership/individual is at fault, as the car has modifications including “performance parts” (headers, exhaust). The selling dealership deferred to AMT Warranty Company and is stating there is nothing else they can do to help. As such, I wanted to make sure that the community is aware of this change in approach by AMT Warranty Company (GMEPP) as compared to Ally (GMPP) and ensure you take this into consideration when purchasing a service contract.
Please contact me via PM if you would like more information regarding this issue or if you would like to provide information on issues you have had as well as your contact information for possible inclusion in a class action lawsuit against AMT Warranty Company as administrators of GMEPP.
10-26-2017, 12:19 PM
#2
Drifting
Some may consider this post as “damage control” but I consider it stating the facts.
Chevrolet-Buick-GMC-Cadillac is a Divisional Extended Protection Plan that provides premier coverage for your General Motors vehicle.
This plan is offered by GM dealers thru General Motors. The plan is backed by an insurance company like most vehicle service contracts.
WhenI email a quote for a Vehicle Service Contract, my quote includes the following:
“Chevrolet-Buick-GMC-Cadillac is a Divisional Extended Protection Plan that provides premier coverage for your General Motors vehicle.”
“Many vehicle service contracts don’t cover certain items that can lead to other failures, like seals and gaskets. We do. In fact, most mechanical and electronic components of your vehicle are covered against mechanical breakdown.
With the Chevrolet-Buick-GMC-Cadillac Protection Plan, you'll have coverage for many components, including wear and tear and seals and gaskets which are not covered on many other plans on your vehicle. With the increasing complexity of today's vehicles and high-tech features, the Chevrolet-Buick-GMC-Cadillac Protection Plan is the best way to ensure that you are covered against potential expensive repairs.
In the event of a covered component failure, even when it is the result of normal wear and tear, you're protected.Chevrolet-Buick-GMC-Cadillac Platinum coverage is an exclusionary coverage. That means that everything is covered on your vehicle unless it is on the exclusion list.”
“Exclusion List
Components that are not covered are those listed on the Exclusion List:
A. Any of the following parts: carburetor, battery and battery cable/harness (unless listed as specific covered parts), standard transmission clutch assembly, friction clutch disc and pressure plate, distributor cap and rotor, glass, lenses, sealed beams, light bulbs, fuses, circuit breakers, cellular phones, game centers, AM/FM radio/cassette/CD players exceeding $3,000 repair or replacement cost, speakers, audio/video equipment, pixel damage due to impact on display screens, key fobs, tire pressure sensors, remote control consoles, radar detection devices, brake rotors and drums, all exhaust components, and the following emission components: EGR purge valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/valves, air pump/lines/valves, catalytic converter/filtering/sensors, emission vapor sensors, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible top assemblies, hardware or linkages, tires and wheels/rims. External nuts, bolts, and fasteners are not covered except where required in conjunction with acovered repair.
B. Maintenance services and parts described in your vehicle’s Owner’s Manual as supplied by the manufacturer and other normal maintenance services and parts, which include, but are not limited to: alignments, adjustments, wheel balancing, tune-ups, spark plugs, spark plug wires, glow plugs, hoses, drive belts, brake pads, brake linings/shoes, and wiper blades. Filters, lubricants, coolants, fluids, and refrigerants will be covered only if replacement is required in connection with a breakdown.
C. For any damage and/or Breakdown resulting from collision, road hazard, fire, theft, vandalism, riot, acts of terrorism, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or flood, acts of God, salt, environmental damage, chemicals, contamination of fluids, fuels, coolants or lubricants.
D. Any breakdown caused by misuse, abuse, negligence, lack of normal maintenance required by the manufacturer’s maintenance schedule for your vehicle, or improper servicing or repairs subsequent to purchase. Any breakdown caused by sludge buildup resulting from your failure to perform recommended maintenance services, or failure to maintain proper levels of lubricants and/or coolants, or breakdowns caused by fuels containing more than 10 percent ethanol (if the engine was not manufactured for this fuel mixture), or failure to protect your vehicle from further damage when a breakdown has occurred or failure to have your vehicle towed to the service facility when continued operation may result in further damage. Continued operation includes your failure to observe warning lights, gauges, or any other signs of overheating or component failure, such as, fluid leakage, slipping, knocking, or smoking, and not protecting your vehicle by continuing to drive, creating damage beyond the initial failure.
E. Any repair or replacement of any covered part if a breakdown has not occurred. Any part that a repair facility or manufacturer recommends or requires be replaced or repaired or is an update,and is not a breakdown, is your responsibility and expense.
F. Any alterations that have been made to your vehicle or use of your vehicle in a manner not recommended by the manufacturer, including but not limited to the failure of any custom or add-on part, all frame or suspension modifications, lift kits, any tire that is not recommended by the original manufacturer if it creates an odometer/speedometer variance of greater than 4 percent, and trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.
G. If, while owned by you, your odometer has ceased to operate and odometer repairs have not been made immediately, or the odometer has been altered in any way subsequent to purchase of the contract.
H. If your vehicle has ever been a total loss, salvaged, rebuilt, or is a gray market vehicle.
I. Any liability for property damage, or for injury to or death of any person arising out of the operation, maintenance, or use of your vehicle described in the contract, whether or not related to the parts covered. Loss of use, time, profit, inconvenience, or any other consequential loss, including any consequential damage to a non-covered partthat results from a breakdown.
J. Any breakdown where the manufacturer isresponsible for the repair or if the breakdown is covered by a repairer’s guarantee/warranty (regardless of manufacturer’s or repairer’s ability to pay for such repairs).
K. If your vehicle is used for towing (unless your vehicle is equipped with a factory-installed or factory-authorized tow package), or is used as a commercial unit (unless appropriate surcharge is marked on Registration Page and only as defined under “Definitions,” “Commercial Use”), or is used for rental, taxi, limousine, shuttle,towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, principally off-road use, prearranged or organized racing, or competitive driving.
L. Any pre-existing condition or any breakdown occurring before coverage takes effect or prior to the contract purchase date, or if the information provided by you or the repair facility cannot be verified as accurate or is found to be deceptively inaccurate.
M. Breakdowns that occur and/or repairs made outside of the United States of America and Canada.
N. Diagnostic and/or teardown procedures thatare not listed, or are in excess of the times listed in the current year’s national flat rate hourly guide in conjunction with a covered repair.”
The following is directly from the actual agreement:
Exclusions
Section F:
“If any alterations have been made to Your Vehicle or You are using or have used Your Vehicle in a manner not recommended by the manufacturer, including but not limited to, the failure of any custom or add-on part, allframe or suspension modifications, lift kits, any tire that is not recommendedby the original manufacturer if it creates an odometer/speedometer variance of greater than 4%, trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.”
“This Vehicle Service Contract does not cover all Breakdowns and excludes some conditions and vehicles. Please read the Schedule of Coverages, Provisions of This Vehicle Service Contract and Exclusions sections of this Contract so You fully understand what Coverage is provided to You for Your Vehicle. If You have any questions regarding this Contract, please contact the Administrator toll-free at (877) 265-1072 or P.O. Box 927, Bedford, TX 76095.”
“IN CASE OF BREAKDOWN, YOU SHOULD TAKE THE FOLLOWING:
1. Return the Vehicle to the Selling Chevrolet, Buick, GMC, Cadillac Dealer or nearest Chevrolet,Buick, GMC, Cadillac dealership to ensure proper service and that genuine OEM parts are utilized for repairs. You may contact the Administrator for assistance in locating an authorized Chevrolet, Buick, GMC, Cadillac dealership. If the Selling Chevrolet, Buick, GMC, Cadillac Dealer or authorized Chevrolet, Buick, GMC, Cadillac dealership are not accessible, You may take the Vehicle to any licensed repair facility. However, authorization from the Administrator, verified by issuance of a reference number, must be received before any repairs are performed under this Contract.
a. Have Your Contract number, mileage and date of Breakdown ready for the Administrator.
b. Have the authorized service representative contact the Administrator at (877) 265-1072.
2. Upon Our request, You must allow the Administrator to inspect the Vehicle to gather necessary information regarding any claim. Under certain conditions when a Breakdown occurs You may be required to have the Vehicle returned to the Selling or nearest authorized Chevrolet, Buick, GMC, Cadillac Dealer.”
AMT Warranty Corp.
P.O. Box 927,Bedford, TX 76095
Customer Service / Claims (877) 265-1072
Email: protectionplanclaims@amtrustgroup.com
Available 24 hours a day / 365 days a year
Chevrolet-Buick-GMC-Cadillac is a Divisional Extended Protection Plan that provides premier coverage for your General Motors vehicle.
This plan is offered by GM dealers thru General Motors. The plan is backed by an insurance company like most vehicle service contracts.
WhenI email a quote for a Vehicle Service Contract, my quote includes the following:
“Chevrolet-Buick-GMC-Cadillac is a Divisional Extended Protection Plan that provides premier coverage for your General Motors vehicle.”
“Many vehicle service contracts don’t cover certain items that can lead to other failures, like seals and gaskets. We do. In fact, most mechanical and electronic components of your vehicle are covered against mechanical breakdown.
With the Chevrolet-Buick-GMC-Cadillac Protection Plan, you'll have coverage for many components, including wear and tear and seals and gaskets which are not covered on many other plans on your vehicle. With the increasing complexity of today's vehicles and high-tech features, the Chevrolet-Buick-GMC-Cadillac Protection Plan is the best way to ensure that you are covered against potential expensive repairs.
In the event of a covered component failure, even when it is the result of normal wear and tear, you're protected.Chevrolet-Buick-GMC-Cadillac Platinum coverage is an exclusionary coverage. That means that everything is covered on your vehicle unless it is on the exclusion list.”
“Exclusion List
Components that are not covered are those listed on the Exclusion List:
A. Any of the following parts: carburetor, battery and battery cable/harness (unless listed as specific covered parts), standard transmission clutch assembly, friction clutch disc and pressure plate, distributor cap and rotor, glass, lenses, sealed beams, light bulbs, fuses, circuit breakers, cellular phones, game centers, AM/FM radio/cassette/CD players exceeding $3,000 repair or replacement cost, speakers, audio/video equipment, pixel damage due to impact on display screens, key fobs, tire pressure sensors, remote control consoles, radar detection devices, brake rotors and drums, all exhaust components, and the following emission components: EGR purge valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/valves, air pump/lines/valves, catalytic converter/filtering/sensors, emission vapor sensors, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible top assemblies, hardware or linkages, tires and wheels/rims. External nuts, bolts, and fasteners are not covered except where required in conjunction with acovered repair.
B. Maintenance services and parts described in your vehicle’s Owner’s Manual as supplied by the manufacturer and other normal maintenance services and parts, which include, but are not limited to: alignments, adjustments, wheel balancing, tune-ups, spark plugs, spark plug wires, glow plugs, hoses, drive belts, brake pads, brake linings/shoes, and wiper blades. Filters, lubricants, coolants, fluids, and refrigerants will be covered only if replacement is required in connection with a breakdown.
C. For any damage and/or Breakdown resulting from collision, road hazard, fire, theft, vandalism, riot, acts of terrorism, explosion, lightning, earthquake, freezing, rust or corrosion, windstorm, hail, water or flood, acts of God, salt, environmental damage, chemicals, contamination of fluids, fuels, coolants or lubricants.
D. Any breakdown caused by misuse, abuse, negligence, lack of normal maintenance required by the manufacturer’s maintenance schedule for your vehicle, or improper servicing or repairs subsequent to purchase. Any breakdown caused by sludge buildup resulting from your failure to perform recommended maintenance services, or failure to maintain proper levels of lubricants and/or coolants, or breakdowns caused by fuels containing more than 10 percent ethanol (if the engine was not manufactured for this fuel mixture), or failure to protect your vehicle from further damage when a breakdown has occurred or failure to have your vehicle towed to the service facility when continued operation may result in further damage. Continued operation includes your failure to observe warning lights, gauges, or any other signs of overheating or component failure, such as, fluid leakage, slipping, knocking, or smoking, and not protecting your vehicle by continuing to drive, creating damage beyond the initial failure.
E. Any repair or replacement of any covered part if a breakdown has not occurred. Any part that a repair facility or manufacturer recommends or requires be replaced or repaired or is an update,and is not a breakdown, is your responsibility and expense.
F. Any alterations that have been made to your vehicle or use of your vehicle in a manner not recommended by the manufacturer, including but not limited to the failure of any custom or add-on part, all frame or suspension modifications, lift kits, any tire that is not recommended by the original manufacturer if it creates an odometer/speedometer variance of greater than 4 percent, and trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.
G. If, while owned by you, your odometer has ceased to operate and odometer repairs have not been made immediately, or the odometer has been altered in any way subsequent to purchase of the contract.
H. If your vehicle has ever been a total loss, salvaged, rebuilt, or is a gray market vehicle.
I. Any liability for property damage, or for injury to or death of any person arising out of the operation, maintenance, or use of your vehicle described in the contract, whether or not related to the parts covered. Loss of use, time, profit, inconvenience, or any other consequential loss, including any consequential damage to a non-covered partthat results from a breakdown.
J. Any breakdown where the manufacturer isresponsible for the repair or if the breakdown is covered by a repairer’s guarantee/warranty (regardless of manufacturer’s or repairer’s ability to pay for such repairs).
K. If your vehicle is used for towing (unless your vehicle is equipped with a factory-installed or factory-authorized tow package), or is used as a commercial unit (unless appropriate surcharge is marked on Registration Page and only as defined under “Definitions,” “Commercial Use”), or is used for rental, taxi, limousine, shuttle,towing/wrecker service, dumping (dump beds), cherry pickers, lifting or hoisting, police or emergency service, principally off-road use, prearranged or organized racing, or competitive driving.
L. Any pre-existing condition or any breakdown occurring before coverage takes effect or prior to the contract purchase date, or if the information provided by you or the repair facility cannot be verified as accurate or is found to be deceptively inaccurate.
M. Breakdowns that occur and/or repairs made outside of the United States of America and Canada.
N. Diagnostic and/or teardown procedures thatare not listed, or are in excess of the times listed in the current year’s national flat rate hourly guide in conjunction with a covered repair.”
The following is directly from the actual agreement:
Exclusions
Section F:
“If any alterations have been made to Your Vehicle or You are using or have used Your Vehicle in a manner not recommended by the manufacturer, including but not limited to, the failure of any custom or add-on part, allframe or suspension modifications, lift kits, any tire that is not recommendedby the original manufacturer if it creates an odometer/speedometer variance of greater than 4%, trailer hitches. Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.”
“This Vehicle Service Contract does not cover all Breakdowns and excludes some conditions and vehicles. Please read the Schedule of Coverages, Provisions of This Vehicle Service Contract and Exclusions sections of this Contract so You fully understand what Coverage is provided to You for Your Vehicle. If You have any questions regarding this Contract, please contact the Administrator toll-free at (877) 265-1072 or P.O. Box 927, Bedford, TX 76095.”
“IN CASE OF BREAKDOWN, YOU SHOULD TAKE THE FOLLOWING:
1. Return the Vehicle to the Selling Chevrolet, Buick, GMC, Cadillac Dealer or nearest Chevrolet,Buick, GMC, Cadillac dealership to ensure proper service and that genuine OEM parts are utilized for repairs. You may contact the Administrator for assistance in locating an authorized Chevrolet, Buick, GMC, Cadillac dealership. If the Selling Chevrolet, Buick, GMC, Cadillac Dealer or authorized Chevrolet, Buick, GMC, Cadillac dealership are not accessible, You may take the Vehicle to any licensed repair facility. However, authorization from the Administrator, verified by issuance of a reference number, must be received before any repairs are performed under this Contract.
a. Have Your Contract number, mileage and date of Breakdown ready for the Administrator.
b. Have the authorized service representative contact the Administrator at (877) 265-1072.
2. Upon Our request, You must allow the Administrator to inspect the Vehicle to gather necessary information regarding any claim. Under certain conditions when a Breakdown occurs You may be required to have the Vehicle returned to the Selling or nearest authorized Chevrolet, Buick, GMC, Cadillac Dealer.”
AMT Warranty Corp.
P.O. Box 927,Bedford, TX 76095
Customer Service / Claims (877) 265-1072
Email: protectionplanclaims@amtrustgroup.com
Available 24 hours a day / 365 days a year
10-26-2017, 01:17 PM
#3
Supporting Vendor
Member Since: Nov 2005
Location: Supporting the Corvette Community at Abel Chevrolet in Rio Vista, CA 707-374-6317 Ext.123
Posts: 14,498
Received 1,426 Likes
on
597 Posts
St. Jude Donor '08
Just for comparison sake, because we've always sold and dealt with GMPP, there is virtually nothing different in policy between the two. GMEPP modeled the warranty after the previous ALLY owned GMPP and they are nearly identical in policy, coverage and application.
If you had previously "got away" with claiming engine related parts on a modified car (yes long tubes are a modification) than you got lucky. The first question any extended warranty company asks when starting a claim is "does this vehicle have ANY modifications, including performance parts, over sized wheels and/or tires or is it used for commercial use and/or racing?" If any of that is a Yes than they have the "right" to refuse the claim.
Most people don't read the fine print, but any and all warranty companies are good at specifically pointing out that any modifications to the vehicle that are not factory recommended or OEM quality replacement parts (off brand water pumps, aftermarket oil filters etc) can will void the warranty.
What most people also don't understand is that you need to follow specific maintenance requirements and that usually includes taking the vehicle to a repair facility for oil changes and other maintenance. I've had GMPP not authorize repairs due to customers not having any maintenance history at a repair facility. Changing your own oil and keeping receipts is NOT considered acceptable maintenance history. The policy will usually state the VIN, mileage, date, type of oil used and part numbers for all parts must be documented by the repair facility. Changing your own oil does not meet that criteria so they can technically deny coverage for that.
Just trying to add my .02 from sitting at the desk that gets in the middle of these pissing matches between customers and warranty companies.
RICH
If you had previously "got away" with claiming engine related parts on a modified car (yes long tubes are a modification) than you got lucky. The first question any extended warranty company asks when starting a claim is "does this vehicle have ANY modifications, including performance parts, over sized wheels and/or tires or is it used for commercial use and/or racing?" If any of that is a Yes than they have the "right" to refuse the claim.
Most people don't read the fine print, but any and all warranty companies are good at specifically pointing out that any modifications to the vehicle that are not factory recommended or OEM quality replacement parts (off brand water pumps, aftermarket oil filters etc) can will void the warranty.
What most people also don't understand is that you need to follow specific maintenance requirements and that usually includes taking the vehicle to a repair facility for oil changes and other maintenance. I've had GMPP not authorize repairs due to customers not having any maintenance history at a repair facility. Changing your own oil and keeping receipts is NOT considered acceptable maintenance history. The policy will usually state the VIN, mileage, date, type of oil used and part numbers for all parts must be documented by the repair facility. Changing your own oil does not meet that criteria so they can technically deny coverage for that.
Just trying to add my .02 from sitting at the desk that gets in the middle of these pissing matches between customers and warranty companies.
RICH
10-26-2017, 03:39 PM
#5
Supporting Vendor
Member Since: Nov 2005
Location: Supporting the Corvette Community at Abel Chevrolet in Rio Vista, CA 707-374-6317 Ext.123
Posts: 14,498
Received 1,426 Likes
on
597 Posts
St. Jude Donor '08
Most manufactures understand their customers will drive aggressively, especially when it comes to performance cars with PDR, PTM, Cup Tires and other track oriented options. I have yet to see GM deny a warranty claim for a stock car (no tune, no mods nothing) that has been on track for HPDE or other driving school type events.
11-02-2017, 08:20 PM
#6
So basically, if you change your own oil, this extended warranty isn't a good idea? If I have long tubes and my navigation breaks down, the warranty will not cover it? Not good. Thanks for the heads up.
Just for comparison sake, because we've always sold and dealt with GMPP, there is virtually nothing different in policy between the two. GMEPP modeled the warranty after the previous ALLY owned GMPP and they are nearly identical in policy, coverage and application.
If you had previously "got away" with claiming engine related parts on a modified car (yes long tubes are a modification) than you got lucky. The first question any extended warranty company asks when starting a claim is "does this vehicle have ANY modifications, including performance parts, over sized wheels and/or tires or is it used for commercial use and/or racing?" If any of that is a Yes than they have the "right" to refuse the claim.
Most people don't read the fine print, but any and all warranty companies are good at specifically pointing out that any modifications to the vehicle that are not factory recommended or OEM quality replacement parts (off brand water pumps, aftermarket oil filters etc) can will void the warranty.
What most people also don't understand is that you need to follow specific maintenance requirements and that usually includes taking the vehicle to a repair facility for oil changes and other maintenance. I've had GMPP not authorize repairs due to customers not having any maintenance history at a repair facility. Changing your own oil and keeping receipts is NOT considered acceptable maintenance history. The policy will usually state the VIN, mileage, date, type of oil used and part numbers for all parts must be documented by the repair facility. Changing your own oil does not meet that criteria so they can technically deny coverage for that.
Just trying to add my .02 from sitting at the desk that gets in the middle of these pissing matches between customers and warranty companies.
RICH
If you had previously "got away" with claiming engine related parts on a modified car (yes long tubes are a modification) than you got lucky. The first question any extended warranty company asks when starting a claim is "does this vehicle have ANY modifications, including performance parts, over sized wheels and/or tires or is it used for commercial use and/or racing?" If any of that is a Yes than they have the "right" to refuse the claim.
Most people don't read the fine print, but any and all warranty companies are good at specifically pointing out that any modifications to the vehicle that are not factory recommended or OEM quality replacement parts (off brand water pumps, aftermarket oil filters etc) can will void the warranty.
What most people also don't understand is that you need to follow specific maintenance requirements and that usually includes taking the vehicle to a repair facility for oil changes and other maintenance. I've had GMPP not authorize repairs due to customers not having any maintenance history at a repair facility. Changing your own oil and keeping receipts is NOT considered acceptable maintenance history. The policy will usually state the VIN, mileage, date, type of oil used and part numbers for all parts must be documented by the repair facility. Changing your own oil does not meet that criteria so they can technically deny coverage for that.
Just trying to add my .02 from sitting at the desk that gets in the middle of these pissing matches between customers and warranty companies.
RICH