Business ProfileforCentury BMW

In March 2023, I purchased a 2023 BMW X3 form Century BMW and added an extended maintenance program called the "BMW Scheduled Maintenance Program Upgrade" for $2249. My car was totaled in April 2023 and deemed a total loss by my insurance company. At the time of accident my car had approx 1026 miles and was about 30 days from purchase date. At the instruction of of my salesman, I filed a cancellation request with their parent company, ***** **********. The request was denied by ***** ********** due to the "agreement provision in the state of SC". I believe the contract has been misread and I'm entitled to a refund of $2249. Century BMW and ***** ********** tell me they don't make the decision on these claims but yet can not tell me who to talk to about this. They told me to file a consumer complaint with the SC Dept of Insurance. Like what? My insurance company has nothing to do with this. The contract agreement I've uploaded states on pg 2 (and I paraphrase); "a refund will be granted ONLY if the enrolled is deemed at total loss, and no services have been provided and the car age is less than 36 months old and has less than 36,000 miles". It goes on to say if you live in different states there additional ways to obtain a refund. In South Carolina you can get a refund if you cancel the policy within 60 days of purchase. This is and ADDITIONAL state specific provision for people that want to cancel because the changed their minds. But when you have a total loss, you are entitled to a refund as long as you meet the aforementioned criteria for total loss. If you have a total loss, it does not matter what state you live in. If you DO NOT have a total loss then you go to the list of states to see what the specific requirements are for that state for refund but I had a total loss and that trumps all state rules.