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Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205408 09/05/19 12:37 PM
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If I was in your position, I would accept that $3,700 for $20,000 back (even if it would be $10K at a non-dealer) was a heck of a deal, count my blessings and move on... to dump that car and get something more reliable.


Various musings: http://hangfire.net
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: atikovi] #5205414 09/05/19 12:47 PM
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PetitFrereArmada Offline OP
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Originally Posted by atikovi
Read the fine print. Pretty sure that there is a payout limit based on book value, repairs paid for or purchase price. Can't imagine they would pay $8000 for a transmission if the truck is only worth $5,000 or if they have already paid $20,000.


You are very correct. Interesting you mention $8,000 for a new transmission.

My QX56 had the ECU go out and that was replaced under warranty for I think somewhere around $3,000. At that time, I thought my transmission was out. I had called the dealership and asked cost of a new transmission for my SUV. They told $8,000. I turned around and called my Extended Warranty and asked them if my transmission went out would they cover it? They said yes, it is covered under my contract. My suv had died at Walmart and I did not know what was wrong. I was hoping it was not the transmission, but had called dealership and warranty company on the same day to find out.

I had my suv towed for free (using my AAA membership) on a truck for 40 miles to the same Infiniti dealership I use. They told me it was ECU and everything was covered by my warranty.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205417 09/05/19 12:52 PM
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Originally Posted by PetitFrereArmada
...with broken front control arms, timing chain recall, needing new shocks, and some suspension parts.

Total cost for it to leave the dealership was about $11,000!!!

Remove the timing chain work from the cost since you keep calling it a "recall". On the other hand, recalls generally only apply to safety issues and a timing chain (failure) won't fall under that.

Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: hallstevenson] #5205423 09/05/19 01:00 PM
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Originally Posted by hallstevenson
What the dealer is doing borders on fraud.

The $11k repair cost you mentioned is absolute bogus. Sure, the dealer paid for half.... Is this a real warranty with a real company or is it something exclusive with this dealer ?

Anyway, read the terms of your warranty. The one that only you have the details and fine print for. No one here can answer this.


Tell me about it. When they had called me and told me my repair cost was $11,000, I was ready to sell that car that same day. But I am happy my warranty covered it.

I did not know I truly had bought a car that would be plagued with so many problems down the road. I have thought of giving this car up, but my warranty has been exceptionally good to me. When my warranty started payin earlier on my car, I was shocked they were paying. I was always wondering if things were covered and would call them often to make sure it was covered.

This is what will happen. Something will be wrong with my car. I will take it to the dealership for problem A. The dealership sees I have warranty. They say they will check my concern and do a complimentary check also around the car. Soon, they will call me and tell me that they can fix problem A under my warranty. Then they will say they found problem B and C and my warranty can pay for it.

Well.I was worried whenever they told me that. In my mind, I did not take my car there for that and I do not want them to fix something and say I have to pay. So, I always called my warranty to say my dealership just called me that my car has problem B and C, will they truly cover it or is the dealership telling me a lie? My warranty company will say, yep! We will cover it under warranty. I would hangup and be shocked.

Well, since the cost got above like $12,000, I have been scared to call my warranty for any questions, fearing they may just cancel my contract for whatever reason, since they have paid so much.

Mind you, they have paid about $20,000 so far and guess where my car is today? At the dealership!!! For a repair that may be more than $1,000. So, imagine the cost to the warranty company. Now they are sending an Inspector to look at my car. Who knows if my warranty will be canceled? I am currently driving a brand new 2020 Infiniti QX60 as a loaner from the dealership.

Oh, did you ask if my Extended Warranty is real? My Extended Warranty is not through Infiniti. It is a stand alone company. I felt like it was forced unto me by my credit union. I never wanted it, but thank God I was convinced into paying for it because that $3,700 at that time sounded like I was about to waste too much money.

My Extended Warranty company has very bad reviews online from other people but if I was to give them a review, it would be stellar! They have been truly outstanding to me.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: Reddy45] #5205426 09/05/19 01:03 PM
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Originally Posted by Reddy45
Doug Demuro (a YouTube car personality) actually had something similar happen at CarMax with one of his cars. In his case, the warranty paid out similarly but he never got any flack about it.

I'd say just keep your head down and live life. If they cancel it, they cancel it. You got your money's worth.


Exactly how I am feeling now. I am not calling my Extended Warranty company again for nothing. I used to call them each time they had to pay a claim because I was truly worried if the dealership was telling the truth that they will cover it or will I show up to pick my car and the dealership say, sir, you have to pay for this as they refused to pay for it.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205434 09/05/19 01:20 PM
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A good service writer/manager will call the ext-warranty company first before performing the work.
So, make sure you tell him to let you know if they reject the coverage.
Case closed.

Last edited by JMJNet; 09/05/19 01:20 PM.

  • 2017 Toyota Sienna
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Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: Gimpy1] #5205436 09/05/19 01:24 PM
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Originally Posted by Gimpy1
Unless they have read the entire policy paperwork any answer here will be a guess. Extended warranties are similar to insurance policies, what I recommend you do is very carefully read the entire contract first, it will tell you what they cover etc etc etc more importantly it will tell you the contract LIMITATIONS AND EXCLUSIONS, it will also tell you the reasons or conditions for "dropping" you. No matter what people say or tell you the policy and the company are bound by the contract. The company should have notified you (in writing) why they ate dropping coverage. Remember the contract is written by lawyer s, and these companies are in the business to make money, like insurance companies if you are too much of a risk they can cancel the policy. If you feel you should have been dropped file a department of insurance complaint, the company must address the complaint and explain why they dropped you in writing when responding to the complaint.


And that is why I have been so worried. I have truly cost them a lot of money. They have paid more than 3 times what I paid for my policy.

So, I have been here just thinking one of these days, they will contact me and tell me they have canceled my policy because I cost them way too much money.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205443 09/05/19 01:34 PM
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Originally Posted by PetitFrereArmada
(Excuse me with the super long biography. I am just looking for some insight)

I have owned my 2012 QX56 now for 3 years 8 months. When I bought it, my credit union convinced me to buy extended warranty for my QX, which I reluctantly bought at $3,700. Thank God I did buy it!

Well, after 4 months of owning my rig, I had to use my extended warranty to pay $2,500 to replace one of my DVD headrests in my QX that suddenly stopped working.

4 months after that, I came back from a major road trip where I beat my QX offroading in the San Juan mountains in Colorado. I kind of limped back home with broken front control arms, timing chain recall, needing new shocks, and some suspension parts.

Total cost for it to leave the dealership was about $11,000!!! You read it right. Dealership and warranty company split the cost. I had to pay about $1,200 for the shocks since extended warranty did not cover that.

Fast forward now to today. My extended warranty that I paid $3,700 for has paid out about $20,000 in repairs on my SUV. This cost has accumulated so high partly because each time I take my SUV to the dealership for repairs, they know I do have warranty and so they look up other things and recommend to be fixed, as long as my warranty can pay for it. My warranty always pays no problemo!

Am I reading this right? You abused your vehicle while off roading to the point you "limped back home with broken front control arms.....needing new shocks, and some suspension parts".

If I'm reading this correctly your extended insurance company shouldn't have paid for those repairs. Your vehicle was damaged because of abuse. IMO, this is insurance fraud on your part.

Scott


03 BMW E46 330Ci ZSP (BMW TPT 5W-30)
10 Honda Element SC (Kendall GT1 Max 5W-30)
11 BMW E90 328i M-Sport (BMW TPT 5W-30)
16 VW Passat VR6 3.6L SEL Premium (Euro Castrol 0W-40)
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205446 09/05/19 01:36 PM
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As others said, it's in the contract. I doubt they can just cancel it. If they could just arbitrary cancel it, it'd make it a hard warranty to sell. It's basically an insurance product, some will have a lot of claims and some will not.

Should have gotten a Mercedes, had mine for 5 years now and I don't think I've spent close to $3700 in regular repairs in that time period. And there's so many threads that push Japanese over German cars.

Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205447 09/05/19 01:38 PM
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I imagine that some of us would like to know the names of the 2 companies involved or at least a little more information about them. Thank you.

Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: GZRider] #5205457 09/05/19 01:46 PM
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PetitFrereArmada Offline OP
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Originally Posted by GZRider
That dealer was sketchy and yes the total payout is generally limited to the value of the vehicle, so they probably do have a way to avoid paying any more high dollar repair bills but you would need to read your specific warranty contract. Also what did you do to that rig? 4+ years and 60,000 *85k total on car) miles on my 12 g37x SEDAN including beaches, natl forest roads et and the undercarriage is still in good condition with 1/2 the ground clearance with all of frequent fluid changes, brakes, rotors, tires a gates serpentine belt. No wait they did replace the analog dash clock under warranty. What do you do to your vehicles?


You know nobody has time to read those long warranty contracts. I just knew I had bought a good warranty. they had 3 options when I was buying the warranty. I bought the middle one which is called the Deluxe.

You are definitely treating your G37x good. But you have only 85k on the car and it is does not see bad roads, so I expect it to last.

If you look at my signatures, I also own a 2008 Maxima that I bought brand new in 2008. It has had its own problems but has treated me well. I have owned that car for 11 years now and as of today, it has 254,000 miles and the car died on me about a month now. In my 11 years of ownership, I honestly do not think i have spent over $5,000 in repairs on that car though the car is dead now and I am torn between spending the quote of almost $2,000 to fix it or should I just junk the car? But it has sentimental value to me or I would have already junked it now. The car is dead and just sitting in my driveway now. Also, I do not wish to go and buy another car and have a payment on my truck and a car. Besides, I want a brand new car if I am to have another car. So, I have to pay off this QX before I buy another car, which will be brand new.

I take my QX56 offroading a lot in Utah and Colorado, for those who have been to Moab, Ouray and Telluride. If you want to see my road trip and offraod adventures with my QX, feel free to look at my 4 road trips from my last road trip thread below.

My yearly road trips with my QX56...


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205474 09/05/19 02:05 PM
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I may get flamed for this somewhat, but my experience with Nissan has not exactly been stellar-and a big Q flagship SUV is probably the last thing on earth I would take off-road, they seem a little fragile (IMO). I would sell it or trade it in before I put any more $$$ in it, especially if your warranty gets dropped.


06 Ram 3500 CTD 4X4(FG Venturi), 93 GMC C3500 6.2, 89 F-450 7.3, 98 XJ 4.0(XG8A), 05 xB(XG3600), 18 Transit 3.7, 03 Merc Grand Marquis 4.6 2V(XG2)
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: billt460] #5205489 09/05/19 02:30 PM
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Originally Posted by billt460
One thing is for sure and for certain. You could be the poster boy for answering the question..... Is an extended warranty worth the money?


For real. Warranty is definitely worth it in my case.

But you know warranty is kind of like insurance. So many people pay into it but very few ever get to file a claim or benefit from it.

My particular warranty company sure does have more bad reviews online than good reviews. But then again, very few people give positive reviews online. Mostly people with bad reviews will post about their grievances.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: PetitFrereArmada] #5205555 09/05/19 04:14 PM
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Originally Posted by PetitFrereArmada
This is what will happen. Something will be wrong with my car. I will take it to the dealership for problem A. The dealership sees I have warranty. They say they will check my concern and do a complimentary check also around the car. Soon, they will call me and tell me that they can fix problem A under my warranty. Then they will say they found problem B and C and my warranty can pay for it.
People have asked questions along similar lines where they have a 'new' car and the warranty is expiring soon. They've asked about going to the dealership and effectively asking them to find something that can be "repaired" under warranty before the warranty expires. I distinctly remember one of the members here (Mightymouse ??) who is a Honda dealer tech and he said they are forbidden from "fishing" for warranty work like this.

I still think the dealer is milking the warranty company for everything they can, which is wrong in my opinion. Covering something that broke is fine, but looking for other stuff to repair when it's not broken isn't right....

Originally Posted by PetitFrereArmada
I felt like it was forced unto me by my credit union. I never wanted it

I was truly disappointed when my credit union even offered me an extended warranty on my car. I thought it was a shady thing that used car dealers sneak in or scare people into purchasing. Even the loan officer started it with, "I'm sorry, but I have to ask you, are you interested in....". I politely interrupted him so he didn't have to go through the whole spiel they have to give and he thanked me and asked me to initial the box for declining the warranty. He even had to offer me gap insurance even though I was only borrowing 50% of the car's book value, i.e. there was NO "gap" to cover.

Re: Can my Extended Warranty company cancel my policy after paying out over $18,000? [Re: HangFire] #5205557 09/05/19 04:14 PM
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Originally Posted by HangFire
If I was in your position, I would accept that $3,700 for $20,000 back (even if it would be $10K at a non-dealer) was a heck of a deal, count my blessings and move on... to dump that car and get something more reliable.


I don't understand exactly what you mean. When I was paying for the waranty, little did I know that my suv would be costing $20,000 in repairs. But I am glad I did.

At this point, I truly was considering if I should dump the car and move on, but I will not lie, I do like my suv. So, me and it will ride this tide for some time. My warranty has already fixed a lot. If you look at my build thread, you will see. So, I plan to keep this rig until I atleast pay it off or it gets to 200,000 miles, except the maintenance cost goes off the roof.


2012 Infiniti QX56. 133,000 miles. Using a larger filter (K&N Hp-4001) with 0W20.
2008 Nissan Maxima. 245,000 miles. Using 5w30 with stock filter.
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