American Guardian Warranty, a total ripoff in my opinion

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American Guardian Warranty, a total ripoff in my opinion

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All Messages in Thread	Author	Date
American Guardian Warranty, a total ripoff in my opinion	Scott Kraft	1-26-04
I would NEVER buy a warranty from American Guardian Warranty again. THEY ARE A TOTAL RIPOFF in my opinion. They will do anything not to pay a claim. I have had to sue them (their agent) twice and both times they paid and it never went to court. They make processing a claim very difficult. They say you can take your vehicle to any dealer, but then they argue about shop rates, and part prices and don't pay the full amount. They almost NEVER return phone calls, and put you on hold a very long time when trying to get info on a claim. I put in a claim for travel expenses on a covered breakdown and they denied the claim saying I lived in the city of the breakdown. Their computer mysteriously switched my address to the "new city". This happened TWICE! Then to keep me from pursusing the matter they said they would sue me for FRAUD! I could NOT believe it. After submitting 54 reasons documenting my residence including my TAX RETURNS, property tax bill, childrens school transcripts, etc. they still ignored my request. Although I have had some claims paid by them, it has NOT been worth it. I paid over $2,500 for my Warranty Agreement. I had a dealer tell me to not come back if I was using the warranty as they said it was not worth their time dealing with American Guardian Warranty. Note: The average time it took for me to get my car repaired was over 1 week, due to the "red tape" put forth by American Guardian Warranty, which included inspections, lack of return phone calls, delayed payment, delayed approval etc. Make sure to check what warranty you are getting, as many "agents" sell warrantys that are backed by "American Guardian Warranty". I WOULD NEVER BUY A WARRANTY THAT USES AMERICAN GUARDIAN WARRANTY AGAIN! (note if you search on the net you will find story after story of problems with American Guardian Warranty, I wished I had done my homework first)
Re: American Guardian Warranty, a total ripoff in my opinion	George Burton	1-20-06
I just bought a warranty through an agent in Mesa, Arizona advertising on the Web. It is for a NEW Motor Home and is a 7 year/100,000 mile with a $ 50.00 deductible. American Guardian Warranty Services, INC is the Administrator with reinsurance listed on the contract by St. Charles Insurance Company, RRG ( Denver ) and Hanover Re. We live in Florida. Am I throwing away a lot of money here ? GB
Re: American Guardian Warranty, a total ripoff in my opinion	Chris	1-6-06
I bought two extended warranties back in 2001 for my car (2000 Olds Alero) and my wifes car (2001 Saturn SL1). With both cars we had a total of 3 claims. In all three claims, we wound up paying about 1/3 of the repair bill. We paid $1100 each for 6 year 100k mile warranties with a $0 deductable. In each complain to American Guardian they said they use a National agreed upon amount for part cost and labor times. So, as an example, one job I was charged 2.5 hours labor but the book time that AG pays on is 1.7 hours. There is no flexibility at all. It is what it is. Instead of using it as a guide to make sure repair shops are not abusing the customer, they set it in stone. Every repair shop is different and instead of using a range, they use one set #. They are a joke and the company I bought the warranty from Warrantybynet.com (AG backed the warranty, WBN was the reseller) dropped them too. Their customer support is rude and inconsiterate and I decided after this last amount I have to pay that I will do everything I can to make sure no one buys from them.
Re: American Guardian Warranty, a total ripoff in my opinion	Margaret	5-13-09
Just purchased from agent. I should have check on line first. Can't get hold of anyone at the number that I was given. I sure hope I can cancel any payment before contract is sent. Have any suggestion
Re: American Guardian Warranty, a total ripoff in my opinion	Michael	7-8-06
My daughter is having a problem with her “Compass Protection Plan”which apparently is part of American Guardian Warranty. The company (in Glen Ellyn, Ill., 1-800-579-2233) told her they would not deal with the Ford dealer because, “They charge too much.” She took the vehicle to a reputable mechanic who determined the alternator was bad. The mechanic called the protection plan people and was told they would not pay for a new alternator and that he had to use a rebuilt alternator, which does not work. She is due to move to another state in two days. Is there a class action suit in progress against this company? I would like to join in a suit and just handle the repair cost myself. Thank you for any information or advice.
American Guardian Warranty - Basic Courtesy Not Found	Bryana	7-19-06
I work for a RV Service Ctr in So Ca. and we are often required to deal w/ AG as well as other extended warranty carriers. I have only one MAJOR complaint about AG customer service: They are the rudest, unhappiest, most unfriendly people I have ever had to deal with in the 14+ years I have been in the RV repair business. Just this morning I received a call from an AG rep and he asked for the owner. I asked which company he was calling from (as we work w/ many and currently have 7 coach's here under extended warr) and he replied, "I said Extended Warranty, it doesn't matter which #!$%! one, put him on the phone!"....Well! I said that it does matter so that I may pull the paperwork and that it was unneccessary to be rude. (I certainly wanted to say something else.) His reply was...(unbelievable)..."You think that's rude?! Well what do you think of this...." and he hung up on me! He called back about 3 minutes later and repeated his request in exactly the same rude tone and manner. I transferred him immediately to the person he requested. Now, this really pissed me off as you can imagine and yet I've always held my tongue when it comes to AG because I've EXPEREINCED their malicious, YES, malicious disregard of THEIR customers needs. They have intentionally "lost" paperwork, "mis-read" work orders, "mis-wrote" fax & phn #'s, declined legitimate claims, not returned calls, claimed reps were on vacation when they really were not, ohy! and my FAVORITE....I can't tell you how many times an AG rep has "read" or "written" the WRONG VIN #!!!! (It's a running joke around here that all vin#'s written to AG are to be in size 16 font, bold!) I cannot recall a single claim that I have put thru on behalf of the insured that has gone without contention. One last thing I'd like to point out: RV owners more often than not are the baby boomers and older. These clients pay their bills in full, including their extended warranty premium. Not only do they deserve respect due to their age, but also for their spending ability and their time spent accruing that ability. Carriers such as AG need to keep this in mind. We've all witnessed what the baby-boomers have done for this country when it comes to the economy. It's a stupid, stupid mistake for a company such as American Guardian to disregard the potential repercussions of bad, rude, and just down-right incompetent customer service. And hey folks, it's NOT the agencies or the dealers that are in the wrong, it's the COMPANY...American Guardian. It's THEIR PRODUCT and THEIR RESPONSIBILITY. (The concerned party of 3-22-05 seems to have "misunderstood" that portion of American Guardian's contracts.) Roll on all and enjoy your coaches! And remember, puleez...regular maintenance on your coaches & trailers will help you avoid those lovely & unforgettable vacation stops here in our shop! We don't like mad coach owners running around anymore than you like being in our over-heated RV Repair shop! Take Care, Bryana So. Cal
Re: American Guardian Warranty, a total ripoff in my opinion	Noelle	12-23-05
I am currently trying to get my car repaired. I have an extended warranty with American Guardian Warranty. I would have to agree with the guy that started with all. Here is my situation. On my way home from work one night, I noticed that my breaks sounded like they were grinding. I called a friend that works in a Tires Plus (who did my breaks less then 1 yr ago) and asked if he could take a look at it. I didn't make it to the shop. While driving down the street in rush hour suddenly I hear this horrible noise like the wheels were falling off, and the car seized up and would not go anywhere. I called a tow truck and had them bring me to Tires Plus. The guys call me and tell me that it's my bearings that went out. so I tell them, Oh...I believe that is covered under my extended warranty. So I fax them a copy of my agreement, I call AGWS and explain the situation. They tell me to have Tires Plus call with the info and they would pay the claim. Easy Right? WRONG!!! Well when the mechanics take off the bearings they find that the spindle had welded it's self to something...bla bla bla (I'm obviously not a mechanic) and that the spindle also needed to be replaced. According to my agreement this is also covered. So, Tires Plus calls it into AGWS to let them know of the additional cost and SUDDENLY...this is now "Under Inspection"! The lovely representative at American Guardian was a complete jerk to my guy at Tires Plus and tells him that they will have to send out an inspector to see if they will cover the damage. If they find that this was (#11 on my agreement) caused by continued operation of an impaired vehicle then I am responsible to pay for the repairs. Now, I have mentioned that I'm not a mechanic and I have no knowledge of what could possibly be wrong with my car. I trust my friend to tell me what is wrong. I had just gotten new tires not to long ago and there was nothing wrong then. I get my car serviced on a regular basis. I do everything I'm supposed to. Including paying $1100.00 for this Warranty! Now they are telling me that because I was "driving the car" that would be considered "continued operation". To top things off, it is 2 day before Christmas and I have no car. I asked them about the rental car coverage and they tell my that Tires Plus only has 2 hours worth of work on my car and there must be at least 4 hrs noted in order for them to pay for a rental. Of course they don't have any work written down about the spindle yet because it has to be inspected before they will do the work! So not only are they making this completely inconvenient, I'm not going to have a car for at least 2 weeks over of the Holiday's! AND...there is no guaranty that this is even going to be paid for! What kind of #$@! is that!?? I will NEVER get another agreement from this company again! And I will be reading the fine print on every agreement I get in the future!
Re: American Guardian Warranty, a total ripoff in my opinion	upset buyer	6-7-06
I don't buy that stuff in the post that says the problem is with the agency, not the administrator. I have an AG policy that I bought online through WarrentyByNet.com. All contact after the sale is with AG, not the selling agency. I have only had my vehicle in for repairs twice since the policy kicked in. Ironically, it was the same repair - the window motor - first on the left side and then a year later, the right side. In both instances, AG would pay about 1/3 - 1/2 of the price of the part. (I have $0 deduct.) They told my (certified) mechanic that they would only pay what their computer showed the part should cost. My mechanic is very consciencious and consumer oriented, so he called practically all the parts houses and dealers within a 50 mile radius. The prices quoted were all within a few dollars of the cost from his normal supplier. Interestingly enough, on the second repair, they would only pay $89 for the $227 part while a year before they paid $170 on the same part that was then $205. So after a year, AG's computer has a LOWER value for the same part, even though common sense says that inflation will cause the part to be MORE expensive a year later. I suspect they are showing prices for USED parts rather than OEM. If so, that's a real rip-off. Salvage yards are OK for body parts, but NO WAY do I want a used electrical part. I would love to hear their story, but I can't get anyone to return my calls. This was not a problem with prior approval or questionable maintanance. The AG rep told my mechanic that the repair was approved, labor covered, and the part covered up to what their computer allowed. I have 5 vehicles, three of which will be replaced in the next two years. I've learned my lesson - I will stay away from American Guardian. I have policies from Warranty Direct on 2 vehicles and have yet to have a problem with any claims.
Re: American Guardian Warranty, a total ripoff in my opinion	steven	12-7-05
It is all about the process - I'm a vry organized person and had never had a problem with AG - My warranty cost over $1200 over 3 years ago for a $0 deductable 7yr or 100,000 mile bumper to bumper plan and they have already paid out more then my initial fees and the car is in the shop for another $500 worth of work on the Tranny. Yes in many instances work is delayed for the issue to be inspected and approved. They also ask me to bring it to a more ideal repair shop - in every case that I have been asked to bring it to another shop, the shop that found the issue was glad not to do the repair and affirmed that the recommended shop was better suited to do the repair since they specialize in that type of repair. Great example, they asked me to go to AAMCo for the transmission. Is it perfect service - NO. Is it the same level of service if you bought the extended warranty from a brand name dealer - No, but it is 1/2 to 1/3 the price for a better warranty.
Re: American Guardian Warranty, a total ripoff in my opinion	Rich Saunderson	4-29-05
The Open Roads Forum has been interesting reading the last couple of years. It does give people a place to vent their frustrations with dealers and warrantees. We bought from La Mesa in Tucson and people said beware. We were treated fairly and thought alot had to do with the salesmans experience. Everyone has their storys about warrantees and we laugh about some of ours when we look back at Ford's extended warranty on our Explorer. I noticed a noise in the front axle at very slow speeds and agreeed to let to a Ford engineer find out what it could be. Two months went by and I would see the enginner driving around the city loaded with test equipment. After rebulding the front axle completly they gave it back to me with the same noise except a little louder. Everyone was quiet about the lenght of time and the engineer was no where to be found. Serveral months went by and a chance meeting of a friend of the engineer one night at a dinner we found out he had died of a heart attack and so the dealer put the car back together and said it was fixed. I was always treated very well after that and glad I kept my mouth shut about the lenght of time. The noise never went away and found out it was in some explorers and some had no noise. We have friends who are worried that GM is going to leave them out in the cold if their engine develops pistonslap. GM needs to step up and extend the warranty period for workhorse owners. Thanks for good service Rich
Re: American Guardian Warranty, a total ripoff in my opinion	A concerned party	3-22-05
I wanted an opportunity to re-post this as I did not do spell check. So, please accept this post as a corrected copy of the previous post with spelling and grammer errors fixed. Thanks! I must defend this unfounded accusation towards American Guardian Warranty Services, Inc. It is not them. Let me try, yet again, to relay the truth about this industry. You see, it is not them, it is the agency, 99.5% of the time it is the agency. Plain and simple. Don't you think for a minute that AGWS, is in business to pay claims? That is what they do. Don't you folks get it? What makes you think that AGWS is any different than any of the other warranty companies? Why would you think they are worse, when in fact they are one of the most prominent? Let me clarify defend them.... 99% of the policies sold, are sold through dealerships. AGREE? Now wouldn't you agree that out of that amount, how many would you say customers were told, sat down, WELL INFORMED, and time taken out explained by the selling finance manager, how to file a successful claim, or anything about filing claims? How many? That's right ZERO!! They don't care, they sell them, include them in financing packages, barely say anything, push, deceive, subtly offer, just automatically include in contract, or try to convince you to buy a warranty, or a host of other ploys. Ever experience this? Of course you have. That is probably how you came to realize this internet industry, and ended up on this forum, right? So, let us just take this example of a uninformed purchasing consumer. They bought the warranty from the dealer. 3 years pass, and they suddenly in need of a repair. Do you think they will know how to effectively file a claim? Do you think they were "schooled"? No!!!! Would they remember? Possibly not, do they know who to turn to? No!!, Go back to the selling guy?, Not!! So what do they do, they file a claim incorrectly or don't follow the proper steps, then complain about not receiving claim service. That is just one example of how people, if not trained properly or told right, can and will have potential problems with their policies. I get sick and tired of people saying bad things about fine warranty administrators, only because they bought from a bad outlet. I can prove my point to anyone. I get reports sent to me of filed claims of just my client base. And let's see, hum.... Looks like they just paid out over $14,200 in claims on my clients behalf only in the last 4 months. I am just a drop in the bucket and a small agency. Image the numbers then. IN FACT, AGWS pays out on an average one diesel motor replacement a month!!! So, don't sit there and tell me that they don't pay their claims!! Just because of a handful of consumers who got a bad deal, or your situation, does not reflect the overall consensus. Think of a hundred or so resolved complaints, (a hand full compare to other competitors) and then put in into perspective to the countless hundreds of thousands policies sold each month. Give me a break! Now, let's address the agencies capacity. There are dealerships selling our program, and there are a couple of direct marketers authorized. Since I have already addressed the lack of guidance offered by dealership F&I guys, it is undisputed, you must agree. Let's get right to direct marketers. There are several direct marketers that can't seem to stay out of "hot water", I mean this to say, simply questionable business practices. The problem here is that 3 of the top players are all involved in lawsuits and or are performing without integrity. They won't tell you this. Case in point, it is a public fact that American Guardian is currently in the process of suing Warranty Experts, for breach of contract and other disclosed charges. Then you have Warranty Experts ex-employee and/or partner, for Warranty Experts being accused of handing over, or selling databases to a competitor, which is Warrantyservicescompany.com. Now, Warranty Experts has filed a lawsuit against Warrantyservicescomapny for theft of a database. Now it has just come to my attention that bestrvwarranty.us just attempted to contract a customer with a Florida residence, which by the rules of AGWS licenses, is illegal, and would not be honored. Well, the customer was sent the contract, then fortunately wasn't done looking, and came upon myself, I noted it, and called out the situation, an suggested that if he didn't believe me to call AGWS himself. He did, and phoned me back and said I was right. I said of course, I am right. He was just about ready to send in his contract and payment. Where do you think that contract would have went? It could not have arrived at AGWS and been processed. It would have been declined and refused. Were they banking on no claims filed? Are there more? How many? This is the problem, don't you see? Not the warranty companies, most of them are decent, honestly. It is the bad apple agencies selling the policies. Don't you get it? All you simply have to do is find an agent that cares about reputation, and the reputation of their backing company, find a company which conducts itself with integrity, honesty, and a true commitment for client devotion, and doing the "right thing". If you are lucky enough to find this firm, you will be safe, protected, and in a position to offer future defending posts like this one.
Re: American Guardian Warranty, a total ripoff in my opinion	Mary Gayler	8-4-05
Will not honor their warranty, use all kinds of excuses not to pay. Do not call back. When contacted stated paperwork was a problem, their inner office screw up. Promised to call dealer with authorization for repair. Car had already been in dealership three days. To date, they have done nothing.
Re: American Guardian Warranty, a total ripoff in my opinion	TheRVGuy	8-12-05
It has been brought to my attention that Warranty Experts.com (actually about 30 websites all running under different names) is selling contracts and has been caught more than once not forwarding the contracts to the administrator. This is very bad, and unexeptable to our community. It has also been brought to me via evidence that bestrvwarranty.us is selling contracts to CA and FL residents against reputable business guidelines. There is much decieveness going on, and I am here to clean it up! If you can't play by the rules, you won't be able to play. If I have any say. Call me the "Warranty Cop", call me someone who thrives on Integrity, Honesty, and Consumer Advocacy. Someone who actually cares, believe it or not.
Re: American Guardian Warranty, a total ripoff in my opinion	Harry Bodine	8-17-05
Wow. Great stuff here. I'm very interested as I'm looking to purchase a warranty myself but it looks like at least one of the posters here is in the RV business. The RV guy or whatever he calls himself. I thought this was a discussion for peers only. Not interested in biased information. The rest of you with legitimate warranty problems have my attention and I'm sure you can get some sort of refund if you cancel. Everybody tells me that their warranty is cancellable. -Just a regular RV'er
Re: American Guardian Warranty, a total ripoff in my opinion	dan	7-27-06
I had the Ford Dealership sell me their Amerigaurd Warranty.. My auto hubs broke on the Ford.. Their contract stated they covered 4x4 and ALL components... I took the truck to the Ford Dealer and Amerigaurd DENIED the claim stating..."Oh, we don't cover hubs"....I got my money back from the dealership and will NEVER buy an extended warranty again...
Re: American Guardian Warranty, a total ripoff in my opinion	Ed	4-25-06
My existing contract with AGWS is up in June 06. This is for a class A motorhome and unfortunatly, I've needed to use them several times over the past 3 years and I don't recall having a major problem with them. Whenever I take it to the shop I always give them a copy of the contract, which I reviewed before to ensure it was covered, they contact AGWS and I pay my deductable of $50.00 and I drive away happy. The one thing I try to do is take it to a dealer, Ford in this case for the chassis, or a RV repair place for the motorhome itself. At the Ford dealership, they needed to test the fuel pump before they could say it way bad. AGWS paid for the time they spent testing and everything else except for my $50.00. I'm looking at maybe renewing with AGWS or maybe going with CSP. CSP seems to be a little different in their coverage and deductable, but worth looking at. If AGWS is't any good, does anyone have a better company?
Re: American Guardian Warranty, a total ripoff in my opinion	MIke	3-19-08
I purchased a AG warranty on Friday for $1700. I am suddenly very nervous that I have wasted my money. I never purchase extended warrantys, this was the first time. I hope I don't get hosed..
Re: American Guardian Warranty, a total ripoff in my opinion	Tim Christensen	2-17-08
I also have an AGW warranty purchased in 02 from Premium Care Warranty Services. When I contacted them about a problem with my RV, they could not even find my contract number. I faxed and phoned several times. They now need my original payment for the contract which is absurd from that long ago. I guess one tip would be don't go here, ever, the second, if you did purchase one, either find your proof of payment right now and attach it, or contact them immediately to see if they have it for you. Do not purchase AWG. They will do everything in their power to prevent a claim. In my case, they won't even let me try with the documentation proving my service contract.
Re: American Guardian Warranty, a total ripoff in my opinion	Mike Moran	5-12-08
Head of Service department at the Mercedes dealer told me not to buy it, didn't pay what they should, forced them to utilize used parts, etc, as has been echoed by posts above. This even though the policy was sold through the M.B. dealership! Had not purchased it yet, then came across this string, just in time. Their flyer says they are a member of the BBB (Better Business Bureau). Plugged in their name, and many variants of how it could be listed....never showed up on the BBB screen. Will look for alternative after market warranty coverage. Thanks for the heads up all!
Re: American Guardian Warranty, a total ripoff in my opinion	Chad	11-7-06
So, we are to believe it is the selling agent?...and it's entirely due to his inability to work the AGWS system? I have attempted to CANCEL a warranty that was erroneously made by my elderly mother-in-law. She placed the order on a car that had over 100,000...for a warranty that goes to 100,000. The "Agent" somehow came up with a mileage of 37,000...and must have made up a VIN off the top of his head. I have had to make SEVEN phone calls, and write TWO letters. Aparrently I forgot to have the first letter NOTARIZED...so I had to send another. I am still waiting to get back her deposit, and suspect it will never be returned. If this is the "Agents" fault, then AGWS needs to train them or not let them sell thier product. It is therefore AGWS fault. After trying to get the most simple thing accomplushed (a cancellation) I can't imagine the headache it must be for anyone to try and get paid for work done to thier car. Chad
Re: American Guardian Warranty, a total ripoff in my opinion	Lil	2-18-09
Hello out there. I have a 2004 BMW 325 and I'm thinking about purchasing this warranty. After reading all of these posts, I'm not sure I want to use them. I know that BMW parts are expensive and I'm afraid that they won't pay for them in full like they promise. Does anyone know of another warranty service? Thank you for your imput. Lil
Re: American Guardian Warranty, a total ripoff in my opinion	Another Customer	1-12-09
I wish I had see this page before, it has been four month and no sight of a car, excuse after excuse, one trany after another, there has to be some statue of limitation on all of this? Please tell me there is something that will protect us customers from stuff like this.
Re: American Guardian Warranty, a total ripoff in my opinion	Patricia Wolfe	10-1-07
American Guardian Warranty Company will fight you for every claim you make - they will deny your claim saying this is not a listed component for coverage - we had an ignition switch go - costing $461.00 - we were 300 miles from home & they said it was not a covered component - the warranty lists iginition wires as not covered but says nothing about ignition switch - they knew if they covered it they would also have to cover the rental car & lodging & dining fees also - therefore they would not cover the claim! They also made it very clear that they has already covered $1100.00 in claims over the term of my policy - which to me was them saying we already paid more out than you paid so "you're done!" I would never recommend them to ANYONE!!!!
Re: American Guardian Warranty, a total ripoff in my opinion	roy olson	11-18-08
I am an attorney in Chicago and I am investigating this company. if you have information regarding fraudulent or bad faith claim practices, I would appreciate hearing from you. please e-mail me at: chgolwyr21stflr@hotmail.com thanks, Roy
Re: American Guardian Warranty, a total ripoff in my opinion	John Brennan	12-4-06
In addition, no francised dealership large enough to have a finance manager would sell a warranty such as Amercian Guardian. They sell nationally recognized companies because they all understand the problems a company like AGWC can create.
Re: American Guardian Warranty, a total ripoff in my opinion	jeff smith	9-25-07
Agree with others, AG is a rip off. Had my Van into three different auto mechanics, a dealer, an independant mechanic recommended on 'click and clack' web site, and another independant mechanic. All three said Van needed new power steering unit. Ag sent their rep in to look at van and he decided that the three separate mechanics including the dealer were all wrong, and they wouldn't authorize the repair. I plan to start proceedings in small claims court. I basically gave away $1100. Live and learn.
Re: American Guardian Warranty, a total ripoff in my opinion	John Brennan	12-4-06
I'm in the aftermarket vehicle warranty business. If you buy over the intenet and not from the dealer that sold you the car, you've made a mistake. That dealer wants your business time and time again and should help with claims issues. Because of the volume of contracts he writes with a perticular company, he also has "pull" with that company to help you and to save face for himself. Never buy a warranty from a provider that is not insured by a recognizable insurance company perferrably A+ rated by AM Best, and make sure they are not a risk retention group, usually identified as an RRG. RRGs are usually not finacially secure enough and are onwed by the service contract company and need to deny claims to stay in business. Lastly the individual that stated that American Guardian is a prominent industry leader either works for American Guardian or doesn't have a clue. I suspect the he works there. American Guardian is a low end used car warranty that is offered on the intenet to unsuspecting individuals or offered by used car dealers that don't care about their customers. The car dealers buy these warranties from independent agents that sell fly by night programs for the quick buck and will be on to the next half ass company when Amercian Guardian goes out of business. I am a 25 year veteren of this business and have built a successful career by providing dealers with the education to do the right thing for their customers and by offering quality warranty products.
Re: American Guardian Warranty, a total ripoff in my opinion	Jimbo	3-30-07
Having the same problem with American Gardian now that all of you seem to have had or are having at this time. they will not pay the repairs in full. I Keep calling back and they keep putting me on hold or send me to voice mail. Have not gotten a call back yet. My truck has been in the shop since Tuesday. The adjuster finally called the dealer on Friday and refused to pay for the repairs. I now have to pay an additional $900 and the truck might be done on Monday. So now I'm caught between a kock and a hard place. I'm loosing work time -- paying a preminum for this warranty -- have to pay extra for the truck -- I rented a car and they were supposed to pay for the rental BUT now the repair is not a four hour repair. It is only 3.10 hours to do the repair sooooooooo I have to pay for the rental also -- And I have to waste time fighting a loosing battle -- BOY THIS IS GREAT -- THINKING OF ALL THE MONEY I SPENT FOR THER WARRANTY I COULD HAVE EASILY PAID FOR THE REPAIR ITSELF AND HAD MONEY LEFT OVER. There has to be some recourse -- maybe there should be a class action suit brought against this company. There seems to be enough people being ripped off by them. I am getting in touch with the office of consummer affairs in the state and make them aware but I have a feeling they already know. Wish I had done my homework too Scott
Re: American Guardian Warranty, a total ripoff in my opinion	RIpped off customer	5-14-07
American Guardian refused my claim stating that repairs were not authorized prior to repair being made. The dealership called American Guardian the day before the repairs and did not get a call back. When they called again for authorization the next day, I had already requested the repair. They denied my claim. While I agree that technically the company was within their rights to deny the claim, they certainly violate an ethical point. If they dont return their calls promptly what is a customer supposed to do? I will never use this company again and suggest to anyone that this company is only out to rip off their customers.
Re: American Guardian Warranty, a total ripoff in my opinion	Tina Hill	6-28-07
I have a Volvo S80 that we purchased a extended warranty on through Guardian Warranty. We thought this plan would protect us if we ever ran into repairs. We paid $3500.00 for the best plan that had no max and no deductible and covered from bumper to bumper. We are 'very organized' and kept every receipt for maintence on our vehicle. We never went over the manufactures recommend maintance schedule and always had it done at a dealership. I was drive my car on day and the oil pressure light came on. I pulled over and called the dealership. They recommended I have it looked at immediatly. I did not want to drive the vehicle to prevent further damage. I called Guardian Warranty and asked about having the vehicle towed and to have the dealership look at it. They ok'd it but I would have to cover the extra milage on the tow as the dealership was out of town. I agreed to that. At the dealership they discovered a major problem with the engine that was going to require and completly new engine be installed. The dealership contacted Guardian Warranty and explained this to them. The Warranty company said that they would need to send out an inspector and need to "see" the engine parts that were damaged. They would not rely on the computer analysis. This tear down of the engine would cost me $400, as diagnostic is not covered by the warranty even though they would not approve any work until this was done. I was also not authorized a rental car during this time because rental reimbersement is only during the repair process. The inspector could not get to the dealership for 4 days. After the inspection was done it took them 1 day to deny my claim, stating failure to properly maintain maintenance on the vehicle is what caused the problem. This was before they even called me to ask for maintenace records. I then had to send in my maintenance records only to have them deny it again stating I did not have my oil changed every 3000 miles. Volvo recommends every 7500 miles, which was followed. The guy at Guardian pretty much told me that everyone knows the correct oil change interval is 3000 not 7500 miles. I finally got fed up with him and started asking for his boss. He would not tell me who his boss was, so I got sneaky and started leaving message on every voice mail the directory had listed. I got a call back from a supervisor and had to fax him all my maintenance records. Also included the Volvo S80 manual that stated ol change schedule and the part on my Guardian Contract that stated I had to have oil changes done every 3000 miles or as recommend by auto manufaturer and a letter from my attorney. He finally approved my claim. This entire process took two months. They only covered 3 days of rental car. They also did not cover oil and seals for the used engine that was replacing the damaged one. This experience was a nightmare. $3500 for the original warranty. $1100 for rental car for 2 months $400 for the tear down of the engine at their request. $100 add'l towing $200 for oil and seals $300 for the labor they did not cover. Plus all the phone calls, faxes and headaches. You tell me if this is worth buying their warranty plan. An engine on my own with out the warrany would have cost me between $4500 and $6500. installed per my dealership. With the warranty cost me $5600. I will never buy another plan from this company or it affiliates. By the way I got no help from the original dealer that sold me the plan. According to my current dealer, which only sells Volvo extended warranties, ealership get incentives to sell this warranty plans. Please learn from my experience, Guardian Warranty is a rip off. It has nothing to do with being an informed consure or being organized. I was all of that and still
Re: American Guardian Warranty, a total ripoff in my opinion	Shelby Whatley	9-21-07
I also got a mailing from Dealer Services (American Guardian Warranty). Is there any way to send them an e-mail directly? Other info from my mailing: Call Today 1-800-607-8786 Registered Owner ID: 822-054-212 Florida License # E 130100 available for 72 hours only EMPLOYEE PRICING PLUS 0% FINANCING* 0% financing on programs activated today! You pay what our employees pay Signed by Russell Garland Senior V.P.
Re: American Guardian Warranty, a total ripoff in my opinion	robert wilson	11-2-07
Has anyone have any good experience( AGW), PLEASE SHARE.robert
Re: American Guardian Warranty, a total ripoff in my opinion	gary	6-15-05
I am sure there are many customers that nave no issues with American Guardian. Of course, the majority have probably not filed a claim. However, they are like any money grubbing business, in it for the money only. They are not willing to treat the customer as someone that they might actually have as a RETURN customer someday. We are fighting them now for a tranny issue. No, we didn't completely follow their directions since we were out of town on vacation. Didn't have our paperwork with us. We took it to a 5star dealer that was the closest in the town we were strnded in. We didn't have our paperwork on us and the dealer started the work. The next day, when they were halfway through the fix, and after we got our claim filed (had to rent a car to get home), they stopped the work 50% into it so the "adjuster" could look at it. Now they say that since we didn't get autorization, they aren't paying., plain and simple. The tranny failed, it is at a 5star dealer, they should learn to treat each circumstance with common sense. I hope they change their mind, I sure wouldn't use them or tell anybody they are worthwhile if they don't. Since when is treating the customer like shit good business? Never.
Re: American Guardian Warranty, a total ripoff in my opinion	TheRVGuy	8-12-05
That is a dealer issue, not AGWS. Someone at the dealer dropped the ball. Once again. POOR AGENCY SUPPORT! Guess why you don't see any thing or info on Interstate (Star), or RV Shield. Because you can't buy direct. And their penetration in the market is much smaller. If it is a valid policy, you call AGWS yourself, and they will take care of you as the policy holder, if they don't, you call me. I will see they address the issue. 425-357-5638 I suspect this a soley dealer issue.
Re: American Guardian Warranty, a total ripoff in my opinion	Doug Brown	11-30-05
I own a boat with a inboard outboard motor. The warrenty is over and received a call from American Gardian Warranty Services of Florida, Inc. They said they would give me a extended 6 yr. warranty for about 1300.00. I Googled this and found this web site. Have you heard how the boat warranty is?
Re: American Guardian Warranty, a total ripoff in my opinion	Dave McAllister	8-17-05
I purchased an American Guardian Warranty from Bestrvwarranty.us and actually developed a very nice rapport with them. I am very pleased with the deal, price, and integrity of that organization. When I asked about other warranties they did not "Bad-Mouth" anybody else or try to disuade from shopping. I can't say that about RV Protetion.net, RV Warranty.com, or Warranty Experts. When I asked about the Florida/California incidents (I have homes in both states, as well as Texas), they told me that were not told not to sell in those states until July of this year and have since continued to do busineess in those states. The coverage of AG is sound enough, you just have to read the contract and follow the guidelines. I'm not an RV cop, but I know what's what and somebody didn't do their homework!!!
: American Guardian Warranty, a total ripoff in my opinion	Pat Keenan	3-17-08
I came VERY close to purchasing a $1,600 car warranty from these people- THANKS to these posts NOT- You saved me a costly mistake- Any reputable extended car warranty Co's out there, or is it better to take a chance w/o one Pat
Re: American Guardian Warranty, a total ripoff in my opinion	Ron Bullock	12-14-07
Yes, it is a complete waste of money. You have to be extremely diligent to force them to pay for any covered repaires and you must be willing to put up with a lot of rude and obnoxious people. Dont buy it!!
Re: American Guardian Warranty - Basic Courtesy Not Found	Joe	5-20-08
American Guardian rewards rude employee's and cuts corners,delays payments....total rip off in my opinion.
Re: American Guardian Warranty, a total ripoff in my opinion	Vijay	7-3-08
Well I too have the Volvo S80 t6, and my god Im going through just as much problems as you are. You dont know how mad i am at these guys either. I too paid 3500$ for the next 3 years---(till 2011)--- and they already denied me two claims of 2500$. Now my transmission is slipping, and they refused to do it at the Volvo Delearship, wouldnt trust the computer analysis, forced me to take it to ammco transmisssions(where they could take it down).... They cant get me on maintainence... Bottom line these guys are awful.
Re: American Guardian Warranty, a total ripoff in my opinion	Dwayne	8-12-08
Plain and simple...DO NOT BUY THIS WARRANTY....If you are reading these posts you are already ahead and should want to STAY there. During my call to American Warranty Group AKA "DEALER SERVICES" in response to a mailer I received regarding my 2003 vehicle which is now out of warranty (except for the powertrain warranty which is up to 100k miles)I had the worst experience. After declining their offer of $3500 several times, I was transferred to a manager who reduced the price to $2200 and after listening to his SHPEEEL" I still declined and he was so upset, he said in a very, VERY rude tone "HAVE A NICE DAY" and HUNG UP ON ME. Now that's customer service for someone who was not yet a customer. I can only IMAGINE what you customers are dealing with.
Re: American Guardian Warranty, a total ripoff in my opinion	Antonio Gonzalez	12-8-08
I need information about joining a law suite againist this company, My car has this warranty, and my brothers, and a friend of mine, we all bought our cars from the same dealer recently. My friend we to have his car serviced, and got the run around, bad mouth on the phone, and his car is still sitting in the shop, he was told it would sit there for 3 to 6 weeks, until they felt like sending a check.. the repair was $230, we have contacted the dealer, and he seems to not know what he is selling to the coustomers. Only saying im sorry... I hope I my car, and my bothers does not need a repair, because I can't got thru this...

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