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|Re: American Guardian Warranty, a total ripoff in my opinion by upset buyer|
|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.