Guardian Warranty Company (GWC) Complaint - Any way to avoid paying a claim
WILKES BARRE, PENNSYLVANIA -- I bought a Subaru on Monday, May 2nd, 2011 from Clear Choice Auto in Mechanicsburg, and the GWC warranty came with the car. 3 months or 3000 miles. When I bought the Subaru I noticed it had an alarm, but no remote, so I called the local Subaru dealership and made an appointment to get one the next Monday. Around Wednesday I noticed my car was starting to have hesitation when shifting it into drive, and as the rest of the week progressed, the car also started shifting really hard from time to time. But it's a Subaru and it's only had 88000 miles on it, and they go forever, right?
So I take it to the dealership and ask them while they're at it, would they check the transmission fluid because it's shifting wonky and I explained to them what it was doing. They set up my remote and then came out and gave me a whole laundry list of things that were wrong with the transmission. I asked them if they accepted my warranty, and they said they would call. I had to speak to the GWC rep, who treated me like I was trying to pull some sort of scam. Why didn't I go back to the original dealership? Why was I at a real dealership? Did any lights come on? What exactly did I mean by shifting hard? Did I understand that I would have to pay the difference between this place's hourly rate and the allowance that GWC has for hourly rate? Actually, I didn't know much because the original dealership didn't provide me with any more information than my policy number. But I did know that this GWC representative was treating me like I did something wrong. So I explained to him that I didn't expect there to be anything serious wrong with the transmission, I thought they would check it and say it was low on fluid, or was just being wonky because the car sat for some time before I bought it.
So the guy on the phone decides he needs a fax, which my dealership provides. After the first hour, my dealer calls and leaves a message asking them what's going on (they don't answer phones very often, I've tried calling them myself). He reminds these people that I am sitting here and have been for some hours. The second hour goes by and they finally call back and say their adjusters need to come and see the car....tomorrow. My dealer says that he would like approval to give me a rental car so that I can go home. They admit that my policy does cover rental cars, but they refuse to pay until their adjuster comes. So I wait another hour for the shuttle to take me home. The next day, the adjuster doesn't arrive until after 3 and fools around until about 4:30. I get a call from the dealership around 4:45. The adjuster has agreed that everything they have shown him is in bad shape. He made a call to his office but says he can't make a determination until he talks to his superiors (then wtf is he doing being an adjuster?). SO, the company gets yet out of paying for a rental car for me for a 2nd day.
I am hopeful that I will get some sort of answer from these jackwagons tomorrow. I need to have a vehicle, and I am absolutely livid that they are dragging their feet like this. According to their website they work with "reputable dealers". Let me tell you, the place I bought my car from was not a "reputable dealer". The day after I bought it, I took it to get new tires because I wanted to have good tires on it, I bought a Subaru so I would be able to drive it in all sorts of weather. I knew when I bought it that the tires weren't all that great, and I don't expect GWC to cover the tires. What I also didn't expect was when the service people at the tire place said that the dealership I bought it from should not have inspected it in the first place because one of the tires didn't match the other 3. Not legal here.
But that's not really my point. My point is, if they pay for repairs at "any reputable dealership", then what is the holdup? Their adjuster saw that the parts were bad. Either the place I took it to is reputable, or it is not. There should be no issue here. I am not over the mileage limit, nor the time limit, and the transmission is supposed to be covered under my contract, by their own admission. So when he came, the work should have been approved, or I should have been told where to take the car. And I should NOT be sitting here without a vehicle when he plainly admits that the parts are indeed bad. But they did their best to make sure they haven't had to pay for a rental.
My next call with be to the attorney general and I am filing a report with the BBB and any other organization I can get to listen to me. Being a single female, I am sure there are plenty of women's consumer protection places that would love to hear my story. The automotive industry has ripped women off left and right for years, and GWC is no different