You paint with a very broad brush. To date, the policy I have from Wholesalewarranties.com has been trouble free. I did have one claim rejected, but I knew in advance that is was not covered, but submitted anyway just in case I missed something. The claims I felt should be covered were always covered without a problem. That said, when I purchased my car I was talked into the paint/interior protection plan by the dealer. When I tried to make a claim getting coverage was next to impossible, so I gave up. It would have required taking the car to a detail shop first at my expense to see if it could be cleaned off, then going to one of the "recommended" shops to file the claim, none even close to being local. The dealer was no help, they just sell the product, and of course, they no longer sell "that brand" product. So I understand your frustration, but some warranties seem ok. Depends on the company. JMHO