WESTERVILLE, OHIO -- The extended warranty on my vehicle expired recently, and I wanted to post my experience with it. I bought the Pinnacle Plan from National Auto Care in Ohio (off the internet, and actually through a Ford dealer in Illinois or somewhere; I'm located in Texas) just before the factory warranty expired, and the extended warranty was for 50,000 additional miles.
I had read a lot of good and bad things about extended warranties and this company, but didn't want to go without a warranty as I was worried about potential repair costs. The vehicle is a Mini Cooper, and BMW parts are typically not cheap.
So, I went along for about 3 years and did not make any claims, and then as the end of the warranty period was coming up I took the car into the dealer to get the A/C and the other things that had broken fixed; I couldn't ever find the time to go into the dealer but as the warranty was about to expire I had to get on it. The items totaled up to about $2500 or more I think.
Anyway, it took less than a day for the dealer to get the warranty company approval and everything was done, that is, there was no squabbling about what was covered and what wasn't. The dealer got confused about the rental car costs, and I had to file separately to get that payment later, but the company sent me a check to cover that pretty quickly as well. Overall then, I thought it was a good deal - the warranty more than paid for itself, the warranty company was easy to deal with and overall it worked out well, so I would recommend it.
COLUMBUS, OHIO -- I purchased a 7 year 100.000 Extended service warranty for new my 2001 f-150 supercab on oct 01, 2001. On nov 4, 2004, one month and four days after the factory warranty expired; my truck developed a miss in the engine. I had the truck checked by family ford marietta, Ohio and they in turn file a claim against National Auto Care for one coil on plug plus labor totaling $190.41. National auto care paid $157.91 Of the claim sighting diagnostics not covered.
Then in feb 2005 family ford turn in a claim for an idler arm, National Auto Care denied that claim, however in the coverage booklet, National Auto Care clearly states their minimum required maintenance is a condition of the service contract. The maintenance paragraph clearly states, - "lubricate from suspension and steering linkage" implying the idler arm which is part of the steering linkage is covered only when lubricated according to the manufacture's requirements.
Then on feb 10, 2006 my truck developed a miss in the engine. I had the truck checked by family ford marietta, Ohio and they in turn file a claim against National Auto Care for one coil on plug plus labor. National auto care denied the claim sighting the part was not covered. I thought the part was covered since the same part on a different cylinder had failed before and was covered by National Auto Care. If National Auto Care had denied the first claim in 2004, I would have canceled the extended service since it didn't provide me with meaning full warranty.
National auto care requires me to protect the vehicle in the event the part is not covered under the service agreement to prevent further damages. In addition, if the vehicle repaired before approval by National Auto Care, National Auto Care will not pay for the repairs. My truck has been parked since feb 10, 2007 awaiting resolution of this matter.
I brought my car in to be repaired at 8:30 A.M. on a Saturday so I would not have to take a day off work. I was told at 4:30 P.M. that afternoon that I could not have my car back until Monday. I had to take the entire day off of work on Monday and did not get my car back until 2:30 P.M. The employees either ignored me or just gave me the runaround. It's ridiculous how awful the customer service is there.
The day after I got my car back, I noticed a huge bolt and washer stuck in my front tire. It had been sprayed white, so I know one of their workers had noticed it, but did not bother to say anything about it to me. Also, when I brought my car to the tire shop, the technician there was completely angry and shocked that National Auto had not told me about the bolt or the wear on the inside of my tires where wires were coming out.
This is not something you could have noticed by looking at them from the outside, but the National Auto "mechanics" would have noticed it when they removed the tires to do the work on my car. Also, I am 100% positive that the bolt was not in my tire when I originally brought my car into National Auto. This place does not care one bit about their customers. They are the rudest, most incompetent mechanic shop around. They shouldn't even be in business.
WESTERVILLE, OHIO -- To start off, I want to say, the 2006 pickup was bought NEW. We live in Ohio where weather is changeable. These extended service agreements DO NOT allow for normal wear and tear, just rust and corrosion. Pickup is 9 1/2 years old. Major brake work is needed and it is not covered, due to corrosion, not wear and tear. My advice, DO NOT WASTE YOUR MONEY ON EXTENDED SERVICE AGREEMENTS. Save money for repairs!
Spent thousands on a "preferred" plan and just found out the front end needs major work. Now, I've learned if the warranty doesn't specifically name the part, its not covered. So, who knows all of the front suspension parts by name anyway? It seemed obvious to me that when it listed the front suspension as covered, it really was. But NOPE. My truck needs tie rod ends and a pitman arm. The contract lists from suspension, but not those specific parts. DON'T BUY ANYTHING FROM THEM. Save the $$ yourself for repairs later on down the road...