National Warranty Corp.

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Denied Repairs
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SANDY, OREGON -- For Christmas 2006 I received a new (to me)2003 F-150 4X4 along with a Service Insurance Policy for used autos. In Jan. of 2007 my truck started having difficulty sometimes, starting and running. I visited many web sites looking to see if this was a common occurrence to this Ford product. Happily, I found a site that had this exact problem listed, so I went to see the answers given hoping to find a quick fix. What I found was that the problem was caused by a faulty Windshield gasket. Because of the insurance I had,I took it straightaway to the dealership from which it was purchased. I was informed that a new windshield and new "brain" had to be installed. I asked them to do so and related that I had a policy that stated it covered the "brain".They informed me that they were familiar with this policy and would commence repairs immediately. After the repairs they informed me that the "brain" was not covered and that the bill would be an approximate $996.00.

The following is the exact wording in their pamphlet:"... All factory installed computers;computer control proms...". Why it was refused I have never known.
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Anonymous on 10/01/2007:
Probably the reason for the denial of the claim is that the "brain" did not fail on its own, but as a result of the windshield gasket leaking. If you check your service contract I am sure there will be a clause stating something similar to "Items not covered: any covered componet that fails due to a non covered componet failure" I.e. windshield gasket failure causing the ECM ("brain") to fail. This should have been explained to you by the dealer. You may call your service contract provider to get a full explanation. It stinks, I know, but it is what it is. Good Luck
mhorning on 04/09/2014:
It doesn't really matter, NWC will deny your claim on any reason they can find. I have had no such cause/effect issues and they still found reasons to deny my claim. They told me it was because my harness wasn't in factory position, but had really "drooped" due to time and gravity.
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