How Do Extended Warranties Work?

[jhamlin]

Need some advise here. Our tow vehicle (Ford) went into "limp" mode yesterday and we wound up at a Ford dealership for diagnosis and repair. Turns out the high-pressure fuel pump is at fault, requiring a "cab off" replacement. I showed my extended warranty to the service manager who called the insurance company (CornerStone United). They told him my contract covers NONE of the repair cost - estimated at $3,500. I gave him the go-ahead to do the fix, but want to challenge the refusal of coverage. I have read the contract in detail and see no clause that would negate coverage of this repair. What would you do, to challenge this decision? I have the phone number of the insurance folks, but I'm wondering if I should first contract the dealer who sold me the contract first? My suspicion is that the insurance folks are just playing the game, hoping I won't pay attention to the details? Any advise based on your experience or knowledge would be greatly appreciated!

[BroncosFan]

Remember the Rainmaker movie, the first step for them is to deny all claims :B

[beemerphile1]

I know nothing about extended warranties other than the fact that they are usually a poor investment.

Not having your contract in front of us, how can we advise?

Read the contract, there must be a procedure for challenging a denial of coverage.

[BroncosFan]

Your state Attorney general office and http://en.wikipedia.org/wiki/Magnuson%E2%80%93Moss_Warranty_Act