After Market Warranty

13COBRA

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You have a point to your 1st statement. But how many newer vehicles dont have loans on them?

I have no personal experience Zurich. But lets say someone out of state buys Zurich from you with a vehicle from you.

They have issues with the vehicle take it to there local Ford dealership. Dealership says its gonna be a 1hr diagnosis min. Person says hey i have extended warranty with a $0 deductible. That ford dealership says we dont use Zurich we use lets say Car shield. They let the customer know that you can submit the claim to your warranty company. But you still owe us the 1hr diagnosis fee.

Things like that happen. Have a couple personal friends that's exactly what happened to them. Basically a back and fourth nightmare to get there vehicle fixed and covered for the repair.

My personal experience with Ford ESP has been i go the dealership. Describe the issue i have. Drop the vehicle off. Leave with a loaner and the vehicle get fixed with no out of pocket cost cause i choose 0 deductible.

I would say its much easier for the selling dealership for the warranty and vehicle to get things fixed under the plans they sale. Rather than a dealership that uses a different 3rd pary warranty.

I sell out of state all of the time. I've never had an issue with another dealership not wanting to work with Zurich. If it's some no-name BS warranty, dealerships are leery, as they might be the ones getting stiffed.
 

ford fanatic

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So would you venture to estimate that a $3,000 repair is the same for someone in a different circumstance than you, compared to a $30,000 vehicle?

Most dealers do anything and everything to put people in cars they can barely afford. Then you have a repair, and you can't afford to pay out of pocket to fix it. But that's a whole different discussion...
 
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13COBRA

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Most dealers do anything and everything to put people in cars they can barely afford. Then you have a repair, and you can't afford to pay out of pocket to fix it. But that's a whole different discussion...

As long as the dealership was honest submitting a credit application, then nothing is their fault.

The banks determine whether or not they will approve someone for that specific loan give the situation, then the customer decides whether or not they want to sign the contract.

But hey, everyone enjoys being the victim every once and a whiel.
 

ford fanatic

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As long as the dealership was honest submitting a credit application, then nothing is their fault.

The banks determine whether or not they will approve someone for that specific loan give the situation, then the customer decides whether or not they want to sign the contract.

But hey, everyone enjoys being the victim every once and a whiel.


Of course the person signing the loan is the ultimately the one responsible for the situation they are put in. Not the bank or the dealer.

Wasn't trying to argue the integrity of how dealers operate, more so how people are drown in car debt and can't afford to pay for a repair. No matter how they got in to the situation.
 

13COBRA

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Of course the person signing the loan is the ultimately the one responsible for the situation they are put in. Not the bank or the dealer.

Wasn't trying to argue the integrity of how dealers operate, more so how people are drown in car debt and can't afford to pay for a repair. No matter how they got in to the situation.

But it's the consumers choice what they buy, what loan they agree to, etc etc etc. Not sure how your statement of "Most dealers do anything and everything to put people in cars they can barely afford" makes sense.
 

ford fanatic

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But it's the consumers choice what they buy, what loan they agree to, etc etc etc. Not sure how your statement of "Most dealers do anything and everything to put people in cars they can barely afford" makes sense.

I see I've offended you by saying "the dealer" when it's actually not, it's the consumer.

Again, wasn't trying to argue the integrity of how dealers operate, more so how people are drown in car debt and can't afford to pay for a repair. No matter how they got in to the situation
 

svtfocus2cobra

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You have a point to your 1st statement. But how many newer vehicles dont have loans on them?

I have no personal experience Zurich. But lets say someone out of state buys Zurich from you with a vehicle from you.

They have issues with the vehicle take it to there local Ford dealership. Dealership says its gonna be a 1hr diagnosis min. Person says hey i have extended warranty with a $0 deductible. That ford dealership says we dont use Zurich we use lets say Car shield. They let the customer know that you can submit the claim to your warranty company. But you still owe us the 1hr diagnosis fee.

Things like that happen. Have a couple personal friends that's exactly what happened to them. Basically a back and fourth nightmare to get there vehicle fixed and covered for the repair.

My personal experience with Ford ESP has been i go the dealership. Describe the issue i have. Drop the vehicle off. Leave with a loaner and the vehicle get fixed with no out of pocket cost cause i choose 0 deductible.

I would say its much easier for the selling dealership for the warranty and vehicle to get things fixed under the plans they sale. Rather than a dealership that uses a different 3rd pary warranty.


My take on what you are stating is that any shop or dealership that would deny Zurich claims would be stupid. They are probably the easiest to deal with and once approved the payment is available within minutes with just a phone call or email. It's actually probably easier than collecting the money from the actual customers lol. The only time there is a need to deny a warranty based on the company is because of how many of them are scams and everyone will get burned. The shady warranty companies all use similar names that usually include some variation of National Warranty Service or something generic like that that will get confused with the others; that's their scheme. I usually kept a list of the ones I wouldn't deal with. But with Zurich being the parent company of Farmers insurance, there is no real reason to decline their coverage. It would be like a body shop refusing to work with Geico or Progressive who are some of the easiest to work with.
 

13COBRA

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I see I've offended you by saying "the dealer" when it's actually not, it's the consumer.

Again, wasn't trying to argue the integrity of how dealers operate, more so how people are drown in car debt and can't afford to pay for a repair. No matter how they got in to the situation

You didn't offend me, I was just correcting what you were saying.

My take on what you are stating is that any shop or dealership that would deny Zurich claims would be stupid. They are probably the easiest to deal with and once approved the payment is available within minutes with just a phone call or email. It's actually probably easier than collecting the money from the actual customers lol. The only time there is a need to deny a warranty based on the company is because of how many of them are scams and everyone will get burned. The shady warranty companies all use similar names that usually include some variation of National Warranty Service or something generic like that that will get confused with the others; that's their scheme. I usually kept a list of the ones I wouldn't deal with. But with Zurich being the parent company of Farmers insurance, there is no real reason to decline their coverage. It would be like a body shop refusing to work with Geico or Progressive who are some of the easiest to work with.

+1,000,000



I WOULD NOT, UNDER ANY CIRCUMSTANCE OR FOR ANY AMOUNT OF 'SAVINGS' SUGGEST SOMEONE BUY ONE OF THOSE EXTENDED SERVICE CONTRACTS YOU GET IN THE MAIL FROM A COMPANY YOU'VE NEVER HEARD OF.
 

SHOdown220

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In over 50 years of owning cars, I have NEVER needed an expensive repair. The most expensive out of warranty cost was well under $500, and it only happened one time. Aftermarket warranty companies offer these policies to make money. Plain and simple. Which is why pretty much every dealership finance manager tries to sell you on the warranties when you go over the vehicle purchase paperwork. It's a money maker and they know it. They also know in most cases you won't need it. It's good business for the dealership to sell them. It's usually bad business for the customer to buy them. With few exceptions. JMO.

that’s awesome, I would say you are probably the exception rather than the rule. I wrote 18 cars today and my customer pay dollar per ticket average at the end of the day was $478. 3 of those cars were over $1000 each. 4 cars were paid for by our extended warranty.
 

Blk04L

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I always buy one. Preferably oem but have luck with aftermarket.

Had one claim with the explorer that would of been a 3-4k bill that's to a bad head. They fixed it and a month later I traded it in. Got a refund on the remaining warranty too.

My father has also come ahead on his trackhawk. New Trans, water pump, and few other things that the extended Warranty has covered.
 

me32

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I always buy one. Preferably oem but have luck with aftermarket.

Had one claim with the explorer that would of been a 3-4k bill that's to a bad head. They fixed it and a month later I traded it in. Got a refund on the remaining warranty too.

My father has also come ahead on his trackhawk. New Trans, water pump, and few other things that the extended Warranty has covered.

How many miles on the Track hawk? Are those common issues with them?
 

svtfocus2cobra

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How many miles on the Track hawk? Are those common issues with them?

Dude, Jeeps are terrible. People will probably jump all over me for that, but there are shops who literally will not work on Jeeps anymore, and before I left the last shop I was at I had said the same and my boss was in agreement. Every vehicle I have ever been burned on has been an FCA vehicle, and of those FCA vehicles, most have been Jeeps. I wish I could show people firsthand what happens with these cars, but most the customers who had Jeeps that we fixed headed to the dealer to get rid of them right after. I'm talking thousands of dollars lost with both parties and an all around nightmare for everyone involved. I can only imagine what kinds of issues that Trackhawk is having.
 

Blk04L

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How many miles on the Track hawk? Are those common issues with them?

68k.

IIRC it was a small part in the ZF trans that failed and I guess it was cheaper to just replace the entire thing.

I saw maybe 1-2 other trackhawks via either hellcat.org or another forum have a trans issue.

It's his DD and also romped on.

He got it warrantied till 125k miles.
 

Mpoitrast87

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Dude, Jeeps are terrible. People will probably jump all over me for that, but there are shops who literally will not work on Jeeps anymore, and before I left the last shop I was at I had said the same and my boss was in agreement. Every vehicle I have ever been burned on has been an FCA vehicle, and of those FCA vehicles, most have been Jeeps. I wish I could show people firsthand what happens with these cars, but most the customers who had Jeeps that we fixed headed to the dealer to get rid of them right after. I'm talking thousands of dollars lost with both parties and an all around nightmare for everyone involved. I can only imagine what kinds of issues that Trackhawk is having.
bro... anytime any of us see a Jeep pull up to the drive we head for the hills lmao. EVERY. SINGLE. JEEP. we have sold has come back will TONS of issues. They are by far the shittiest brand of vehicle.
 

Mpoitrast87

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In over 50 years of owning cars, I have NEVER needed an expensive repair. The most expensive out of warranty cost was well under $500, and it only happened one time. Aftermarket warranty companies offer these policies to make money. Plain and simple. Which is why pretty much every dealership finance manager tries to sell you on the warranties when you go over the vehicle purchase paperwork. It's a money maker and they know it. They also know in most cases you won't need it. It's good business for the dealership to sell them. It's usually bad business for the customer to buy them. With few exceptions. JMO.
Yeah, that's not common. Outside of oil changes and rotates its not to often a car leaves the shop under $500. I had a ext warranty pay out $7k last week. Another advisor had the same warranty company pay out $12k.
 

13COBRA

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Not to beat a dead horse, but Zurich just paid out $18,476.54 on a 2016 F-350 diesel.

Sold the policy for $2,317, five years ago.
 

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Not to beat a dead horse, but Zurich just paid out $18,476.54 on a 2016 F-350 diesel.

Sold the policy for $2,317, five years ago.
What was the out of pocket expense to the customer?
 

13COBRA

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What was the out of pocket expense to the customer?

$0. Had a disappearing deductible from us, so we covered the $100.

Also had a free rental truck to drive for 9 days while the repair was being done.
 

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