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Old 10-24-2020, 01:15 PM   #1
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Angry Extended Warranty Problem

I have an extended warranty with RV Care which I purchased when buying used 2014 Motorhome on Spartan chassis. Recently I had radiator leak and took to nearest repair facility which is Freightliner dealer. When trying to move RV, it would not start. Technician checked and thinks starter is problem. RV Care was called to get permission for both repairs. They sent adjuster to look at coach. RV Care said that starter would have to be removed and tested before they would pay. Also said radiator would have to be removed and pressure tested although it was obvious that antifreeze was leaking on ground and you could see stain from inside shroud. I would have to pay cost of these diagnosis issues and then pay another $100 for adjusted to return. Then they would determine if they will pay for repair. Has anyone had this type of problem with extended warranty and does anyone have additional advice in dealing with these companies.
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Old 10-24-2020, 01:19 PM   #2
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That's not a "problem", that's a standard operating procedure for lots of the service policies on the market.
BTW: No matter what they call it it's not a warranty, it's a service policy by Federal law. Service policies are a contract wherein they will repair thinks IF thevrepair meets their requirements.
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Old 10-24-2020, 01:23 PM   #3
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Quote:
Originally Posted by Mr_D View Post
That's not a "problem", that's a standard operating procedure for lots of the service policies on the market.
And, it's also why a great number of us see no point in purchasing an insurance policy that is so nebulous on what it covers. And a policy that the selling company only stays in business by routinely denying and/or interfering with the payment of claims.
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Old 10-24-2020, 01:26 PM   #4
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I have used this warranty approximately 5-6 times before and never been told this before. They have only denied one issue with a frozen expansion valve which they said was caused by corrosion. Also one time they did not fully pay for replacement of generator fuel pump as they said they could buy one cheaper.
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Old 10-24-2020, 05:30 PM   #5
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That's the reason I never recommend anyone buy an extended warranty on an RV! They always leave themselves loopholes to get out of paying a claim!
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Old 10-24-2020, 07:07 PM   #6
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No matter the Company/Plan they will find a way you lose. Save your premiums for a rainy day.
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Old 10-24-2020, 07:28 PM   #7
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There is a widely known fact about extended service contracts. They are a written contract, the terms of which are specific. If both parties read the fine print before signing, and abide by said terms,neither will be disappointed.Diagnostics are one of those terms.
I bought an ESC from Good Sam in 2013, never was a claim denied, and the covered repairs/replacements cost more than the premiums and deductibles together. Since all these type companies use mostly the same independent adjusters/inspectors, they appear to be quite expert at their job.
I have read many complaints similar to this one, they all could have been avoided had the fine print been read and understood before signing the contract IMO.
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Old 10-25-2020, 10:59 AM   #8
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This is an all-too-common complaint and the reason why extended warranty service contracts are of dubious value. The basic problem with this sort of claim is that it's not always covered, i.e. one or more of the many "fine print" exceptions may well apply. That's why they send an adjuster to determine WHY the part is failing. The shop, of course, expects to get paid whether your policy reimburses you or not, so you have to pay for any part removal or diagnostic work. And the adjuster may still deny the claim after you do it. The net effect is to discourage claims like that.
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