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|Re: American Guardian Warranty, a total ripoff in my opinion by A concerned party|
|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.
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.