Originally Posted by Explorer Rob
I made that mistake with Warranty Gold. Half the time a service facility called for authorization, Warranty Gold came up with some reason why it wasn't covered. The final straw was when I had to have a rear wheel bearing replaced on my Explorer. The shop didn't get authorization prior to doing the work. When they called to get a credit card number after replacing the bearing, Warranty Gold told them they wanted me to submit all of my receipts for the last 90,000 miles showing that I have had all scheduled maintenance performed at the proper intervals. I ended up paying out of pocket for the repair and never used that shop or Warranty Gold again. I did receive a refund check for $13.00 a few years ago though when Warranty Gold lost a class-action lawsuit against them.
My Chrysler plan states that "Service obtained from a person other than an authorized Chrysler Group LLC dealer is not reimbursable under this plan unless authorized by us and you receive an authorization number before the service is performed." Also, in an emergency I can take my Ram to a non-Chrysler facility such as when their offices are closed. "In the event of an emergency repair, and our offices are closed, you may proceed with repairs and submit a claim in our office within 30 days of the repair date. Reimbursement will be in accordance with the Plan provisions. the repair invoice must include the repair date, vehicle identification number, mileage and a description of the repairs performed. The Mopar Vehicle Protection Authorization Center is open for business Monday through Friday, from 8:00 a.m. to 5.00 p.m. Eastern Standard Time."
I fully intend on using Chrysler whenever possible or practical, but at least I'm not forced to.
Yeah your experience would cause one to think twice. Not all insurance/extended warranties are created equal though. I have not had a claim (knocking on wood) yet and mine is still under original warranty, but I have a couple friends who have good experiences with non-manufacturer warranties.