Help! I got ripped off

westernrvparkowner wrote:

mrkoje wrote:

moose888 wrote:
I would go on every RV sight and bad mouth them . I would also put a sign on my RV saying not to buy a RV from them. I bad word travels three times faster than a good word.

Do that sir and you are an imbecile. The dealer may have sold the extended service contract but it is the customer's fault if he didn't understand what was and was not included with it. Don't blame the dealer because a 3rd party contract like Zurich or Good Sam didn't pay out. That's like saying you will never by a Ford again because Progressive didn't pay to fix your vehicle after a wreck! You're trying to fit a square shaped argument into a circle shaped hole. It just doesn't make sense!

The real issue here is that the customer is not taking responsibility for his own stupidity (that may be harsh.. call it negligence then). Now we have other members on this forum that are just as mentally handicapped advising to slander a dealer because a service contract would not cover a part (tires) that was most likely printed in black and white as a non-covered part. Go figure.

This is typical in these types of posts. "Help" I got ripped off because I was to lazy to read the contract. Hey -- maybe you didn't get ripped off at all. Maybe if you read the service contract you will find out that slide covers and tires are not covered parts on your contract. If you read the contract you would have known to submit for a claim before paying for repairs. Just a novel idea that is all.

Also - some people on this thread (not the OP I might add) seem to think that it is absurd that this fellas service contract refund is or will sent back to the bank (lien holder) for his RV instead of him. Well that's how it works -- EVERYWHERE -- all the time no exceptions. If he didn't use his money to purchase the contract then he used the banks money. The bank will always have first rights at any refund for add-on products unless the customer can provide a valid lien release showing the RV was paid off. "Take'em to small claims court they preach" and then "Let's hang them no good RV dealers" they say. Get real people! Ya'll saying this stuff need to go on Amazon and get Commonsense For Dummies.

Exactly. Apparently personal responsibility is practiced only in Montana. It is not exactly a secret that tires are never covered by vehicle warranties. As for the other exemptions from coverage, I am 100% sure they are listed in the extended service contract in black and white. We have never had any problems with our extended service contract failing to cover items, but then again we read the contract and know what is covered and what is not and what to do to get a claim paid. Going through life with your fingers crossed hoping things will go your way, instead doing your due dilligence and understanding what you are signing and buying is not a good plan in my opinion.

Spending many years as an auto service writer, I completely agree. "Extended Warranties" are not warranties. They are mechanical breakdown insurance policies,most with a deductible of some sort. MOST of them are very clear on what they do cover and very vague on what they don't, and many times, the wording used by a service department has a bearing on what may or may not be covered. For example, a hard aluminum A/C pipe gets a hole in it. Some warranty companies willpay for a solid pipe, but not a rubber hose. If the service department calls it a "line" the insurer may interpret that to be a soft, flexible, rubber hose, and deny the claim. Any many times, other things needed for the repair may not be covered, such as refrigerant, seals, etc. So in many cases, the language used can dictate coverage or denial. Some warranty companies MAY allow you to have an emergency repaired and then file for reimbursement. Most companies do not allow this.

As far as tire coverage, the policies I have seen for this only cover road hazard damage, not tire failure. If the tire is repairable, they will pay for a repair up to the policy limit. If the tire is NOT repairable, they will pay for a comparable replacement on a pro rata basis, meaning that they will devalue the tire based on the remaining tread depth, compared to what the original tread depth was. For tires that fail from tread separation, etc., there is generally no coverage, as that would fall back on the manufacturer.

Bottom line, as stated as nauseum, is to read these contracts very carefully and understand what is covered and what isn't. I would never trust a salesperson's or finance manager's word about "bumper to bumper" coverage, as that type of policy doesn't exist. Extended warranties generally do not cover any wear items or consumables.