Guardian Warranty Corp Complaint - Extended Warranty

Review by nlkreddy on 2006-05-08
RESTON, VIRGINIA -- I own a 99 Toyota Camry with an extended warranty from Guardian Warranty Corp. My car broke down a few weeks back. When I took it to a mechanic after authorization from the Warranty company. A few repairs were needed, one of which was to replace the broken oil pump. According to the terms of agreement, the oil pump is covered in case of mechanical failure. The housing is not covered.
At first they denied coverage saying that it is not a mechanical failure! I got them to agree that if it broke then it is mechanical failure. Then they changed their song to say that the housing is broken and that they dont cover oil pump housing!!! Basically they were predetermined not to pay out anything more, even though it is legally entitled to be covered through the warranty.
For all Toyotas the oil pump and the housing come as a single unit and is called 'oil pump' by Toyota itself. Any Toyota parts manual doesnt have a part called 'Oil pump housing' for camry's. The oil pump is broken at the place where the warranty people would like to conviniently call 'housing' and are denying coverage.
It took me about two weeks to get my car repaired. They would not even return my phone calls.
I dont know about other warranty corporations out there but, Beware of Guardian Warranty! They are a pain to deal with.

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