Direct Buy Auto Warranty - Scam....Make Sure You Have Had a 120pt Inspection Before Purchasing This Warranty
2003 Ford Explorer - Complaint
INDIANA -- I recently purchased a used 2003 Ford Explorer and due to it being used and me not knowing the history of the car I felt it would be wise to purchase an extended warranty to cover myself in case there were problems. The suv drives nicely however on night without any indication or even slightest signs, it just stopped on me. After I could not get it restarted I had it towed to the dealership and contacted Direct Buy Warranty to advise and to initiate a claim.
Well lo and behold once the vehicle was diagnosed, I was informed that the claim was denied. The cause of the mechanical breakdown was not a covered problem but in addition to that at the time the car was being diagnosed, the dealership became aware of another problem with the vehicle and it was too denied. The reason for the denial was basically that it was a pre-existing problem.
I challenged the Representative by asking how would I know about pre-existing problem when it's a recently purchased used vehicle and told him that in fact was the reason why I purchased the warranty because the vehicle is used and I don't know the history of it. At that point, the Representative told me that I should have had a 120pt inspection. Needless to say nothing went smooth about the conversation after that because as I explained to him that while they were selling me pipe dreams about how fantastic their company was, they never mentioned that I should have an inspection prior to purchasing the plan even though we talked extensively about it being a used car that I recently purchased. He then goes on to tell me that no that is not something that they tell their customers...to which my response is well why are you telling me now after I've purchased your plan and filed a claim that was denied.
This company is so bogus until it's unbelievable. They also insinuated that I bought a car with mechanical problems then purchased a plan from them because my breakdown occurred 6wk after purchasing their plan.
My question and concern with this company is why would you sell extended warranties for used vehicles if claims are going to be denied claiming they are pre-existing? I thought that was the whole concept behind selling used car warranties was to protect the consumer from having to pay expensive car repairs in the event of a mechanical breakdown. Now I understand that if the item broken is not a covered item but to have a covered item and then to be denied saying it's pre-existing well that is all the proof I need that this company is fraudulent and not worthy of business with.
They keep you on the line selling all these great points when they are trying to coax you into choosing their company but once you're in they don't honor claim.
I requested that they immediately start processing my cancellations of this policy. I don't need to $1900 for a warranty that isn't worthy the paper it's written on.
Buyers Beware. My recommendation to anyone considering buying a warranty from this company is to make sure you have your used vehicle inspected prior to making this purchase because they do not honor claims.