Sunday 15th of April 2018 06:06:10 AM
I have never written a review or ever documented a product failure, however I felt it was my obligation to make buyers understand what they are getting, or rather not getting, with an Endurance policy. I have a 2011 Dodge Ram 1500 4 wheel drive truck. I purchased this vehicle brand new and never added any after market additions or upgrades. I have adhered to the maintenance schedule and take pride in keeping my truck serviceable. As the trucks standard 100,000 mile power train warranty expired I began looking for an additional warranty to cover any unforeseen repairs. I did my research and looked at the overall reviews and Endurance was rated in the top two. I looked at the policy to insure the power train, to include the transmission, was covered. Here is what it states in the policy “TRANSMISSION: All lubricated internal parts contained within the case. Computer modules & solenoids; filler tube & dipstick; vacuum modulator; and internal linkage. Transmission case ONLY if damaged by the Breakdown of a lubricated internal part.” With that definition, I was comfortable any issue that arose with the transmission would be covered. I chose the Premier Select package and paid for the term of the policy in full. I had the policy for a little over a year and on Tuesday March 27 I had a service engine light come on so I took the truck to a Dodge dealership. On Thursday March 29, I was informed that the service engine light indicated issues with the transmission. I provided the dealership with the Endurance claim telephone number to move forward with a claim. The dealership submitted the Claim to the insurance company. Endurance said they had to have an inspector verify the codes and would be there on Monday April 2. I felt the claim was going to be covered and knew the policy would cover a rental if needed. I rented a car for a week expecting it would be covered and a week would be long enough for the repair. The inspector does not show up until Wednesday April 4. April 4, the inspector arrives, verifies the codes, and leaves the dealership. No information was given to the dealership. April 6- I call the dealership inquiring about my truck and they said they have heard nothing from the inspector. I have to call the insurance and get an update because neither dealership, nor I, have heard anything from Endurance. Endurance states they have not called the dealer back and the dealer has to call them. The dealership calls Endurance and they require the transmission to be dismantled to find cause of failure. On April 9, I receive a call from the dealership and have to approve a $583 tear down before insurance will move forward. This is written in the policy that I may have to incur this cost. If I don’t approve the tear down they will not move forward with the claim. I approve the tear down and have to wait for an inspector to come look at it again. April 11 inspector shows up and reviews all information provided by the dealer and leaves. There was no abuse or neglect identified. April 13 I call the dealership looking for an update. Dealership has not heard anything so they call Endurance. After multiple conversations between the dealer and Endurance I am informed by dealer that Endurance will not cover the transmission because it was caused by the torque converter. NOTE: Nothing in the policy says it will not cover the torque converter. What they say in order to make sure they have a catch all is “for any part not specifically listed in the schedule of coverages”. “EXCLUSIONS – WHAT IS NOT COVERED For any part not specifically listed in the Schedule of Coverages, or for any of the following parts: thermostat, thermostat housing, shock absorbers, carburetor, battery and battery cables/harness, standard transmission clutch assembly, friction clutch disc and pressure plate, distributor cap and rotor, safety restraint systems (including airbags), glass, lenses, sealed beams, light bulbs, LED lighting, fuses, circuit breakers, cellular phones, personal computers, and pre-heated car systems, game centers, speakers. Radio, compact disc player, and cassette player, electronic transmitting/receiving devices, voice recognition systems, remote control consoles, radar detection devices, brake rotors and drums, all exhaust components, and the following emission components: EGR valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/valves, air pump/lines/valves, catalytic converter/filtering/sensors, gas cap/filler neck, weather strips, trim, moldings, bright metal chrome, upholstery and carpet, paint, outside ornamentation, bumpers, body sheet metal and panels, frame and structural body parts, vinyl and convertible tops, any convertible top assemblies, door handles, lift gate handles, tailgate handles, door bushings/bearings, hardware or linkages, tires, tire pressure sensors, wheel/rims, programming, reprogramming, or updating a component that has not mechanically failed. Any equipment not installed by the manufacturer. External nuts, bolts and fasteners are not covered unless specifically listed in the Schedule of Coverage (except where required in conjunction with a covered repair). Engine block and cylinder heads are not covered if damaged by overheating, freezing or warping.” There was NEVER a call or explanation that was initiated by the company about why my claim was denied. I called to get an explanation. Explanation: The torque converter caused the damage therefore, the transmission is not covered. Evidently, they do not consider the torque converter part of the transmission. The torque converter is considered outside of the transmission case. Please feel free to research a picture of the transmission and you will see where the torque converter is located. Endurance says it is within the housing of the transmission but not the actual case, therefore not covered. That is their out and how you will now be on the hook for a $4500 transmission bill. Not to mention the $2395 I paid for the policy that did nothing and the $336 for the rental car that was not covered. Also, remember you had to pay $538 to have the transmission dismantled. Their “independent” third party inspector has to inspect it and tell you it was the torque converter that caused the failure, coincidently that lets the company off the hook. How many times do you think a transmission failure can be attributed to the torque converter? April 27, one month later I got my truck back from the dealer. Trying to understand why. May 1st I called endurance and wanted to have a written denial letter explaining how and why my claim was denied. I initially spoke with a claims representative who had to send me to his Supervisor Daniel Wilner. It was not a pleasant conversation and turned very contentious. His stance was that the policy clearly states what is covered and what is not. I explained that I wanted a written denial letter so I could use it for future litigation for false advertising. The conversation ended with him stating that would send me a letter with a time frame of 2 days to 2 weeks. May 25th I still have not received the denial letter. I called at 0800 was informed Wilner was not in his office and would call me back by noon, he never called. I called back at 1300 and was told he was in a meeting and would call me back. Never received a call. May 29th I called again and after an extended hold I spoke to Wilner. I asked why I had not received a call and he stated he was not in the office on Friday. I asked why I had not received the denial letter and he said it was mailed on Friday the 25th. I asked why it was not mailed within the timeframe he stated. He said he was not sure and they must be backed up in the processing department. The point again is failure to follow through. Your policy does not cover what you think it does when it comes to the transmission. Make sure you understand that. And remember they will put it back on you and say “sorry you can’t read the fine print and know what is covered and what is not”. This review is intended to inform you what you are going to be dealing with when you purchase this product. It was a piece of mind when I purchased the product, then turned into a nightmare when I had to use it. If I had known this information or read a review that detailed what actually happens in the case of a major repair, I would have definitely looked somewhere else or at least asked more questions.