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Discussion Boards > Active Subjects > Messages as Posted > Car Tires and Maintenance Forum

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 06-20-2008, 17:46 Post: 154736
auerbach



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Join Date: Sep 2007
Location: West of Toronto
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  Extended warranties on cars and trucks

Insurance is a money-maker for the seller (which explains the push), not leaving much left over to pay claims, so you might want to ask:

Will the insurer be there when you have a claim? If so, will the items claimed be covered? If not, will you have to accept the insurer's decision or will there be an appeals process? Will there be a deductable or a ceiling on claims? If you get, say, a new engine just before expiry, and it fails, what would be the coverage if any?
If you invested the cost of the coverage, what would it be worth by the end of the period?

In short, get a copy of the actual policy and study it before deciding.






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 06-23-2008, 10:04 Post: 154783
auerbach



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  Extended warranties on cars and trucks

It's NOT a fair coin-toss. It's NOT a group deciding to all contribute to protect anyone who loses everything from a lightning strike.

It's a scientifically calculated profit-maker. The insurers are the experts in what is likely to fail when; their lawyers are the experts in protecting their clients, not their clients' customers. And they are the experts in marketing this coverage, which is designed to protect what doesn't need protection and vice versa. (Never covers "normal wear" or "misuse" or "failures related to maintenance for which there is no proof of having been performed at an authorized dealer" or whatever.)

Not buying this insurance is not going without protection. Say it gives coverage for five years. Without it, you have factory coverage for, say, three years. Suppose it costs $1000. By the time the coverage period is well in effect, that might be worth $1500 (depending on whether you'd have to borrow it, or if not, on your investment skills or luck). Thus, you have around $1500 of self-insurance, which if you don't use, you simply keep. No claim forms, no arguments, no exclusions. Isn't that the best kind?






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