Reviews

This profile includes reviews for EasyCare's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  EasyCare

  6010 Atlantic Blvd Norcross, GA 30071-1303

  
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  EasyCare

  PO Box 88077 Atlanta, GA 30356-8077

  
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  EasyCare

  PO Box 88230 Atlanta, GA 30356-8230

  
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  EasyCare

  PO Box 88238 Atlanta, GA 30356-8238

  
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  EasyCare

  PO Box 888050 Atlanta, GA 30356-0050

  

Review Details

• Review fromKim J

  Date: 03/24/2023

  1 star
  HORRIBLE!!! We filed a claim with them for our awning that tore off the side of our rig and was denied - WTH. I sent emails, pictures, explanations and we were denied -- AVOID EASYCARE!
  

  EasyCare

  Date: 04/04/2023

  Our reply to the BBB Customer Review, as posted on 4/04/***** whom it *** concern:Please accept the following respectful reply to the recent Customer Review submitted to the ********************** by ********************* ********************* *************** on March 25, 2023, in connection with a claim submitted under the terms and conditions of ****************** vehicle service contract (***).First, and as a preliminary matter, wed like to say that we very much appreciate the time and consideration ****************** has taken to submit her comments as well as the opportunity to address those comments, and to hopefully correct any misperceptions that *** exist. Regrettably, however, under the terms and conditions of the **** the claim was not eligible for coverage due to the following:1) The *** agrees to repair, replace or reimburse YOU for reasonable costs as determined by US and the coverage limits set forth in this CONTRACT, to repair or replace any of the COVERED COMPONENTS listed, if required due to an OPERATIONAL FAILURE of those covered component(s).2) The *** defines an OPERATIONAL FAILURE as the inability of any COVERED PARTS(S), COMPONENT OR ITEMS(S) to perform the function(s) for which it was designed due to defects in material or workmanship of that COVERED PART. 3) The ***s coverage is in effect for a specified period of time subject, of course, to each and all of its terms, conditions, definitions, limitations, and exclusions.4) Among the ***s terms and conditions are those stipulated: a) On page 1 which alerts the undersigned customer: YOU understand that authorization from the ADMINISTRATOR must be received before any repairs are performed under this ***; b) On the bottom of pages 1 and 5 of the *** where *** be found the bold reminder: NO PAYMENT FOR REPAIRS WILL BE MADE WITHOUT PRIOR AUTHORIZATION FROM THE ADMINISTRATOR, SEE SECTION C. 2. c) Section C. 2 of the *** captioned IN CASE OF AN OPERATIONAL FAILURE, specifically states YOU are responsible for verifying that the repair facility obtains prior authorization from the ADMINISTRATOR prior to the commencement of any repairs. 5) Please understand that as the contract holder, it is ****************** responsibility to make sure that the claims procedures set forth in her service contract are properly followed in order for coverage to be applied. Unfortunately, while we do understand that ****************** did contact our concierge services to obtain a mobile mechanic, the claims administrative offices were never contacted prior to the repair taking place to obtain the needed prior authorization that the contract requires. 6) Section D (1) (a) of the *** WHAT IS NOT COVERED, specifically states When repairs are performed without prior authorization. Under these circumstances, we believe the Administrator acted properly and in full compliance with the terms and conditions of ****************** **** and we sincerely regret any frustration or inconvenience she *** have experienced. Beyond that, *** we express our genuine gratitude for the privilege to have been ****************** *** Administrator, and our heartfelt wish that she *** enjoy all the best the future has to offer. *************************** Automobile Protection Corporation - APCO

• Review fromCrystal A

  Date: 03/09/2023

  1 star
  I have purchased a vehicle within one year they continued to deny charges for the warranty coverage that needed to be completed. Easy care is the worst extended warranty and selfless customer care. Anyone looking to purchase extended warranty look into your contact they blame you for not being told when purchasing the contract that there is a cap off on what they would pay for your vehicle. **************** ******* and Supervisor **** stated that dont assist with any complaints a customer has and only says its in the contact the cap off what the warranty will pay when being told multiple times that there was nothing on the one paper that stated there is a cap off on the extended warrant they blame the customer. Bad business for the extended ********************** with ******************** and Audi Dealership for not providing and explaining when purchasing the extended warranty that there is a cap on the extended warranty even though it hasnt reached its expiration or miles. They dont resolve anything Warning look else where dont purchase warranty with Easy care.
  

  EasyCare

  Date: 03/15/2023

  To whom it *** concern:Thank you for your email correspondence dated March 9, 2023, notifying us of the Customer Review your office has received from ***************************** **************************** *************** in connection with a recent claim submitted under the terms and conditions of Ms. ******** vehicle service contract (***). As a preliminary matter, wed like to say that we very much appreciate the time and consideration ****************** has taken to submit her comments as well as the opportunity to address those comments which will hopefully correct any misperceptions that *** exist. Please understand that not all the reimbursement requests initiated by ********************************* (LSC) during the above referenced claim have been declined. Instead, authorization for repairs covered per the terms and conditions of Ms. ******** *** has been issued in the amount of $2,618.56. Although every effort was expended in pursuit of the full measure of coverage permitted under her ***, a portion of the repair authorization requested was ineligible for coverage based on the following: 1) The ***s foundational prerequisite for coverage is the MECHANICAL BREAKDOWN or FAILURE of a vehicle component specifically identified within the STATEDCare coverage level (which includes POWERCare and PRIMARYCare), solely due to a defect in material or workmanship, subject to the **** terms, conditions, limitations, and exclusions.2) Diagnosis performed with Ms. ******** authorization by the professionals at LSC, and as verified upon independent mechanical inspection, confirmed refrigerant leaks from both the front and rear air conditioning evaporator cores. 3) Unfortunately, due to previously authorized claims totaling $7,376.44, a contribution amount of $2,618.56 could only be authorized towards Ms. ******** repairs. This amount represented the balance of the remaining *** liability based on the purchase price of her vehicle ($9,995.00) and as outlined in section H of the *** (see below). 4) Section H of the *** captioned LIMITS OF LIABILITY, specifically limits the total of all benefits payable during the CONTRACT PERIOD, as defined in section F, shall never exceed the vehicle purchase price which is listed in the Customer Information section of the ***. Under these circumstances, we believe the Administrator acted properly and in full compliance with the terms and conditions of Ms. ******** ***, and we sincerely regret any frustration or inconvenience she *** have experienced. Beyond that, *** we express our genuine gratitude for the privilege to have been Ms. ******** *** Administrator, and our heartfelt wish that she *** enjoy all the best the future has to offer. *************************** Automobile Protection Corporation - APCO

• Review fromKenneth S

  Date: 03/02/2023

  1 star
  Do not get a ********* warranty they r scam for customers ,, I have a truck with warranty and everyone knows u need antifreeze for ure motor mine is losing antifreeze and they say its not covered under my warranty I dont recommended anyone getting this warranty company even another dealership told me they where positive that is will b covered this bussiness should b stopped they dont want to spend the money WARNING!!!!!
  

  EasyCare

  Date: 03/07/2023

  Dear BBB Representative: We would be happy to research the opinions expressed by "***************************** ************************ ***************", and provide responsive clarification or comment. However, we have been unable to locate a corresponding record using the limited information provided. If "***************************** ************************ ***************" is able to provide a corresponding vehicle service contract ("***") number, complete VIN, and the full first and last name of the customer to which the *** was issued, we will resume our search and do our best to address the concerns expressed, as soon as we are able.

• Review fromJames B

  Date: 02/25/2023

  1 star
  Horrible business dont buy there are way better companies out there. Had the Def module go out on my truck should be covered under primary vehicle function. Specific part not covered under Primary function Warranty. All company does after siting on hold for 30 mins is recite contracts. Definitely not a customer service based company, and they definitely dont plan to. Im sure the response I get from them here is a reciting of the specifics of a contract as they are not responsible to cover that specific part..
  

  EasyCare

  Date: 03/03/2023

  Dear Better Business Bureau representative:
  
  Please accept what follows as our response to the recent Customer Review submitted by ********************* ************************** from zip/postal code: *****). We appreciate the time ************** has taken to write and share his views, although it does appear that we are indeed compelled to point out the terms of **************** vehicle service contract (***), as he suggests might be the case.  After all if the Administrator is expected to violate the very contractual agreement under which it, and ************** are bound by authorizing the repair or replacement of a component that is NOT eligible for coverage on what basis may there be any reasonable expectation that the *** means what it says, or that it may be expected to authorize the repair or replacement of a component that IS eligible for coverage under those identical terms?
  
  While the coverage available under the *** extensive,it does not promise to issue authorization for the repair of everything that could possibly go wrong with **************** vehicle, cure all symptoms, or pledge to keep a vehicle in an arbitrarily determined satisfactory operational condition, based upon an understandably sincere, but extra-contractual opinion that a repair should be covered. The *** is neither an insurance policy nor is it an unlimited warranty, but is instead a simple agreement between its Issuing Provider and the *** purchaser, under which the Issuing Provider agrees to repair,replace or reimburse [*********************] for the reasonable cost to repair or replace any of the parts covered, if required due to a MECHANICAL BREAKDOWN or FAILURE. subject, of course, to the ***s terms, conditions, limitations, and exclusions. A MECHANICAL BREAKDOWN or FAILURE is defined in the *** as the inability of any covered part(s) to perform the function(s) for which it was designed due to defects in material or workmanship of that covered part.
  
  The PRIMARYCare coverage ************** chose for his ***, establishes eligibility for repair or replacement of only the specific components listed and named within its 10 individual categories of covered parts.  Any part not specifically listed within those categories is therefore, unfortunately but simply, a non-covered part.  During the recent claim to which ************* refers, his chosen repair facility requested the ***s prior repair authorization to replace a diesel emissions fluid control module ("*****).  Regrettably, the ***** is not among the components listed within the ***s 10 categories of covered parts, and it is therefore,a non-covered part.  Yes, section E (4) of the *** entitled WHAT IS NOT COVERED does also specifically exclude Repairs to any non-covered parts.
  
  Again, while we may and certainly do regret the frustration expressed by **************, if we do not abide by the ***, or if we evade reciting of the specifics of [the] contract [which stipulates that it is] not responsible to cover that specific part, when asked under what contract or agreement shall we or ************** rely?  If the *** terms define what is eligible and what is not and they do under what authority would the Administrator presume to unilaterally dismiss or waive those terms? We would respectfully suggest that to ask these questions, is to answer them.
  
  Under these circumstances, we believe the Administrator has acted properly and in full compliance with *************** ***, and we look forward to the opportunity to assist with future claims for eligible repairs presented in accordance with the *** terms,throughout its remaining active period. 

• Review fromLisa R

  Date: 02/22/2023

  1 star
  If you cant provide all service documents they will deny your claim, even if the claim has not had any recommended services come due yet. They really like to push the company line of proof for ALL MANUFACTURER RECOMMENDATIONS, despite extenuating circumstances or the fact that the problems are completely unrelated to other recommended services. They probably bank on the fact that people will miss an oil change or air filter so they dont have to pay out on claims. Complete garbage. As you can see from their responses, they dont care about their customers who have issues. They just like to throw legal verbiage stated in the fine print so they can get out of covering claims.
  

  EasyCare

  Date: 03/03/2023

  March 3, 2023
  
  Dear Better Business Bureau representative:
  
  In response to the recent Customer Review submitted to the ********************** by ********************* ******************* from **********************) on February 22, 2023, and in connection with a recent request for prior repair authorization presented under the terms and conditions of the POWERCARE Limited Warranty Contract (****) provided at no cost to **************** by her Issuing Dealer, ************************* West County (BN), we respectfully ask the Bureau and its interested readers to consider the following.
  
  As a preliminary matter, please understand that our office was appointed by BN to perform the sole function of administering the **** and any claim(s) that *** be submitted pursuant to its terms.  In that capacity, our office is not responsible to fulfill any obligation to repair or replace components or provide benefits of any kind.  In addition, the **** stipulates that NO PERSON HAS THE AUTHORITY TO CHANGE THIS LIMITED WARRANTY OR TO WAIVE ANY OF ITS PROVISIONS.
  
  Unfortunately, according to all available information, documentation, and the terms, conditions, limitations,and exclusions of the ****, the recent claim to which **************** refers has been determined ineligible for coverage due to the following:
  
  1) To qualify for repair or replacement under the ****, proof of timely performance of all scheduled maintenance as recommended by Ms. ******* vehicle manufacturer, and/or as *** otherwise be specified in Section B of the ****, entitled YOUR RESPONSIBILTIES, must be kept by her and furnished to the Administrator upon request.
  2) A diligent review of the documentation submitted by or on behalf of **************** to support performance of the manufacturer recommended and/or **** required maintenance, reveals omissions and/or excesses beyond the ****-established 30-day and/or 1,500-mile grace ****** for such maintenance.
  3) Among those services missing or late include engine oil and filter changes due every six months or ***** miles, engine air filter replacement due at the 30,000-mile interval during Ms. ******* ownership, etc.
  4) Section D (9) of the **** captioned WHAT IS NOT COVERED, specifically excludes Any costs if verifiable receipts as required in section B. YOUR RESPONSIBILTIES are not furnished on request.
  
  With respect to Ms. ******* contention that If you cant provide all service documents they will deny your claim,even if the claim has not had any recommended services come due yet; we can only respectfully reply that the missing documentation corresponds to maintenance service that WAS due during Ms. ******* ownership, according to the vehicles manufacturer.  The Administrator most certainly does NOT bank on the fact that people will miss an oil change or air filter so [BN doesnt] have to pay out on claims. Rather, ours is a far more ordinary function dedicated to fairly, accurately, and compassionately applying the benefit of every possible doubt in favor of not only ****************, but of every other **** holder. 
  
  Nevertheless, if the foundational prerequisites for eligibility are not met, the Administrator simply does not possess the authority to change or waive the PLWCs provisions, nor *** it arbitrarily apply a subjective opinion regarding whether a particular example of non-compliance with section B of the **** caused, influenced, was related to, had, or did not have a direct effect on the component(s) diagnosed as having suffered a MECHANICAL BREAKDOWN or FAILURE, in pursuit of coverage for that which the **** excludes.
  
  Regrettably, unless verifiable receipts documenting compliance with section B of the **** are forthcoming,examples of non-compliance such as those noted above would invalidate the ****,and consequently, any reimbursement for current or future repair(s) under its terms.   
  
  We are grateful for the privilege of being Ms. ******* **** Administrator, even as we regret and are terribly sorry that coverage could not be applied in this instance. Should **************** have any additional questions regarding this claim disposition, she is welcome to contact our office directly by telephone at: **************.
  
  Sincerely,
  
  Claims Department
  **** Administrator
  

• Review fromKathleen C

  Date: 02/22/2023

  1 star
  Complete scam. I bought a policy when I purchased my new car. The policy is to cover paintless dent repair. I had a paintless dent. Easycare sent out a third party to repair the dent. The technician was unable to repair the dent due to Easycare denying the procedure needed to repair the dent. Do not purchase this Easycare.
  

  EasyCare

  Date: 02/27/2023

  Dear BBB Representative: We would very much appreciate the opportunity to research the interaction and opinions expressed by "********************************* ************************** ***************", and provide responsive clarification or comment. However, we have thus far been unable to locate a corresponding record using the limited information provided. If "********************************* ************************** ***************" is able to provide a corresponding vehicle servicd contract ("***") number, complete VIN, and the full first and last name of the customer to which the *** was issued, we will do our best to perform that research and address the concerns expressed, as soon as we are able.

• Review fromAriana B

  Date: 02/07/2023

  1 star
  100% a SCAM.
  They’ll take your money and then find ANY reason to avoid paying a claim.
  My car was totaled out by insurance. There was a balance of $1200 after ***** paid out.
  Easy care denied my claim without EVER telling me. They were missing documentation…which I submitted and was assured it should be taken care of within 7-10 business days.
  Well. They denied it due to a missed payment from THREE YEARS AGO that was already PAID. Not a SINGLE person attempted to update me. I had to reach out myself after TWELVE BUSINESS DAYS.
  Absolute SCAM. They’ll steal your money and find any reason to deny your claim and they get away with it because they’ve stripped the consumer of any power by including VAGUE verbiage in the contract and their customer service reps aren’t informed AT ALL.
  

   
  

  EasyCare

  Date: 02/10/2023

  February 10, 2023
  BBB of Metro Atlanta, Athens, & NE Georgia
  235 Peachtree St, NE
  Suite 900
  Atlanta, GA 30303
  Posted using BBB Online Complaint System
  Re: Borrower: ****** ****** GAP Enrollment: **********  
  To Whom it may concern:
  Automobile Protection Corporation [Hereinafter APCO] is in receipt of your correspondence dated February 7, 2023 regarding the review posted by Ms. ******. Please note that the GAP Deficiency Waiver Addendum is not an insurance product. The GAP Deficiency Waiver Addendum is an agreement between the Customer and the Dealer/Assignee to waive a loan balance in case of an eligible total loss to the covered vehicle. APCO is the administrator of the GAP Deficiency Waiver Addendum and is not a party to the contract. We would recommend Ms. ****** refer to the GAP Deficiency Waiver under DEFINITIONS:
  Waiver Benefit Amount – The amount the Financial Institution/Lender/Assignee agrees to waive calculated as the Unpaid Net Balance less the Actual Cash Value At Loss of the Covered Vehicle subject to the Actual Cash Value At Loss not having been reduced by more than $1,000 as a result of the application of the Customer/Borrower/Lessee’s Primary Carrier deductible. The Waiver Benefit Amount shall not exceed $50,000. Any Primary Carrier insurance deductible amount in excess of $1,000 remains Your responsibility.
  Unpaid Net Balance – The amount owed to the Financial Institution/Lender/Assignee by a Customer/Borrower/Lessee in accordance with the terms and conditions of the Financing Contract, resulting from early termination of the Financing Contract. This amount may not include any unearned interest; loan or lease charges; late charges; any Delinquent Payments; amounts that are built into or added to the loan or lease balance after the inception date of the Financing Contract; any uncollected service charges; refundable prepaid taxes and fees; or any other proceeds You may duly recover by canceling insurance coverage, service contracts or warranties; disposition fees, termination fees, penalty fees, non-refundable dealer discounts, dealer reserves or other items built into or added to the initial lease or loan/lease balance. If two or more pieces of covered collateral are secured under a Financing Contract, We will not waive more than a proportionate share of the total Unpaid Net Balance that damaged collateral represents to the total loan or lease balance. The Unpaid Net Balance also excludes (1) loans or special finance offers which may waive or delay payment of principal or interest and (2) amounts that are built into or added to the loan or lease balance after the inception date of the Financing Contract.
  Delinquent Payments – any payment, as described in the Financing Contract, which remains unpaid for a period of more than ten (10) days after the date stated in the Financing Contract or is otherwise deemed as a Delinquent Payment under your Financing Contract. Delinquent Payments will also include any late charges or interest that has accrued due to the Financing Contract payments being past due.
  The repayment terms on the financing contract provided to our office call for 84 payments of $578.37 monthly, beginning May 28, 2018. At the date of loss of January 21, 2022, there would have been 24 payments due to have been made. Please note that the payment history submitted to our office shows only 21 payments made prior to the date of loss.
  An amortization schedule was used to determine where the loan balance should have been on the date of loss, had all payments been made in accordance with the financing contract repayment schedule. The amortized Unpaid Net Balance was $15,074.26. This amount, less the amount of the primary insurance settlement of $15,655.10 left a negative amount of amount of $580.84 with no loan balance eligible to be waived. A denial letter and adjuster’s worksheet were mailed to both Ms. ****** and her lender, Ally Financial upon completion of this determination.
  Any remaining loan balance is the result of the delinquent payments and additional interest due to the delay in payments.
  We trust this information addresses the concerns expressed in Ms. ******’s review. Should you or Ms. ****** require any additional clarification or have any other concerns, please contact me directly to discuss.
  Sincerely,
  Lisa M. ********* GAP Claims Analyst
  Automobile Protection Corporation
  

   

• Review fromJason A

  Date: 02/04/2023

  1 star
  Complete scam. Bought a used Jeep and bought this warranty. Transmission failed in less than a year and ****** miles. Easy care wants all service documentation from before I owned it. That's impossible.
  

  EasyCare

  Date: 02/09/2023

  Thank you for your recent email notifying us of the Customer
  Review your office has received from Jason Ashmore ([email protected] from
  zip/postal code: 26035). We appreciate the opportunity to address and attempt a
  resolution of Mr. Ashmore’s concerns, and we ask that he and the Bureau’s
  interested readers consider the following response to those concerns as expressed
  in connection with a recent claim submitted under the terms and conditions of
  Mr. Ashmore’s vehicle service contract (“VSC”).
  
  As a preliminary matter, please allow us to clarify that Mr.
  Ashmore’s responsibilities under the VSC do include the following obligation:
  
  To
  keep this VSC valid, YOU must have YOUR VEHICLE serviced as recommended by the VEHICLE
  manufacturer. If requested, proof of required service including verifiable receipts
  showing date and mileage of the VEHICLE at the time of service must be
  presented in order to have repairs begun on YOUR VEHICLE.
  
  However, Mr. Ashmore’s responsibility with respect to the
  performance of his vehicle manufacturer’s recommended maintenance does NOT
  extend to an obligation to provide corresponding verifiable receipts from a
  period of time or miles PRIOR to his vehicle ownership, and the Administrator
  did not request such things.
  
  Nevertheless, it does appear that there may have been some
  confusion regarding exactly when and under what conditions the manufacturer of Mr.
  Ashmore’s vehicle specified that a transmission fluid and filter service must
  be performed, in this instance.  For
  example, Jeep does specify that such a maintenance service is due at the
  60,000-mile odometer interval; which did occur and elapse during Mr. Ashmore’s
  ownership.  However, upon receipt of your
  notification and further research of the manufacturer’s documentation – it also
  appears that the transmission fluid and filter maintenance specified at that
  interval may be restricted to those vehicles used “…for any of the following:
  police, taxi, fleet, or frequent trailer towing.”
  
  Accordingly, the VSC Administrator has returned Mr. Ashmore’s
  claim to a “Pending” status and is shortly expecting return contact from his
  chosen repair facility so that it may continue the claim evaluation in the hope
  that the VSC’s required prior repair authorization may be applied.  Of course, these efforts are conditioned upon
  confirmation and verification that Mr. Ashmore’s vehicle is NOT operated under
  any of the above-referenced conditions; and that neither the vehicle nor
  whatever damage Mr. Ashmore’s licensed repair facility may diagnose with his
  authorization are found to represent something other than a defect in material
  or workmanship of a covered part or be otherwise subject to a VSC-stipulated exclusion, etc.
  
  We sincerely regret any frustration or inconvenience Mr. Ashmore may have experienced,
  and we trust our reply to Mr. Ashmore’s Customer Review has not only resolved
  his concerns but has helped clarify the facts and events surrounding his recent
  claim.
  
  

• Review fromMatt O.

  Date: 01/31/2023

  1 star
  AVOID THIS COMPANY AT ALL COST! You will sit on hold for a minimum of 45 minutes every time you call so be prepared! My story ( I'll make it short) is my truck has 45K miles performed regular maintenance, the radiator cracked which caused the head gasket to blow and the cylinder head to warp! The customer service reps are friendly but have no clue what they are doing (you will get a different story every time you call.) ************ covered the radiator and the head gasket but refused to cover the $1400 for the cylinder sighting "that the cylinder head should be covered by my power train 60K warranty". Why would the manufacturer have to cover something that had no defect? I called 8 times to talk to a supervisor and or a manager (the dealership called 4 times) and they would not pass the call on. I was frustrated and didn't want to do this but I said I would get my lawyer involved and they basically laughed. I will gladly be taking them to arbitration for this lack of coverage. Do yourself a favor and save your money for the fix if you ever need it. They will weasel out of paying any chance they get. They know they got ya between a rock and a hard place. Also be aware they only cover a car rental for 6 days for around $30. I hope this helps and Good luck!
  

  EasyCare

  Date: 02/07/2023

  To whom it may concern:
  
  Please accept this as our response to
  the recent “Customer Review” submitted to the Better Business Bureau by “Matt
  Ostrander ([email protected] from zip/postal code: 84044)”, whose vehicle
  service contract (“VSC”) and recent claim we have located using the limited
  information provided. We very
  much appreciate the time Mr. Ostrander has taken to write and share his concerns,
  and we ask that he and the Bureau’s interested readers consider the following
  respectful reply to those concerns and comments.
  
  As a preliminary matter, please understand that
  while the coverage available under the VSC is certainly extensive, it does not
  promise to cover the repair of everything that could possibly go wrong with Mr.
  Ostrander’s vehicle, cure all symptoms, or keep his vehicle in an arbitrarily
  determined satisfactory operational condition – without regard to cause,
  circumstance, or adherence to the VSC’s terms. The VSC is neither an insurance
  policy nor is it an unlimited warranty, but is instead a simple agreement
  between its Issuing Provider and the VSC purchaser, under which the Issuing
  Provider agrees to “…repair, replace or reimburse [Mr. Ostrander] for the
  reasonable cost to repair or replace any of the parts covered, if required due
  to a MECHANICAL BREAKDOWN or FAILURE” – subject, of course, to the VSC’s terms,
  conditions, limitations, and exclusions. A MECHANICAL BREAKDOWN or FAILURE is
  defined in the VSC as “…the inability of any covered part(s) to perform the
  function(s) for which it was designed due to defects in material or workmanship
  of that covered part.”
  
  Additionally, please understand that not all
  the reimbursement requests initiated by Mr. Ostrander’s repair facility, Salt
  Lake Valley Chrysler Dodge (“SLV”) during the recent claim have been
  declined.  Instead, and as Mr. Ostrander
  acknowledges, authorization was issued for an amount representing replacement of
  the leaking radiator and the right/passenger side cylinder head gasket – along
  with related seals, oil, and coolant which would be required for such repairs –
  in the net amount of $4,194.76, after the VSC’s $250.00 per-visit deductible.  Although every effort was expended in pursuit
  of the full measure of coverage permitted under the VSC’s terms and conditions,
  a portion of the repair authorization requested was ineligible for coverage
  based on the following:
  
  1) As noted, the VSC’s coverage extends only to the repair or replacement of covered parts which suffer a “MECHANICAL BREAKDOWN or FAILURE”, solely due to defects in material or workmanship. 
  2) SLV determined that the initial cause of the overheat symptom for which he had his vehicle towed to their service department was a leaking radiator tank/seam.
  3) Subsequently, diagnosis performed by the professionals at the SLV, and as verified upon independent third-party inspection, confirmed additional engine damage resulting from extreme overheat and operation of the vehicle following the above-referenced radiator failure and leak.
  4) Demonstrated and documented evidence of the worsening progression of overheat damage sustained following the initial radiator failure includes a breached cylinder head gasket, a coolant-washed #3 cylinder with resulting compromise of that cylinder’s crosshatch, cylinder head warpage in excess of manufacturer specification, severe coolant/oil intermix, etc.
  5) Regrettably, these conditions do not represent defects in material or workmanship of the components so damaged, the VSC’s primary foundational prerequisite for coverage. Instead, they match and are consistent with operation of the vehicle in the absence of necessary coolant.
  6) Section E (1) (r) of the VSC entitled: “WHAT IS NOT COVERED” excludes the repair of any MECHANICAL BREAKDOWN or FAILURE which is; “Due to continued operation and failure to protect the VEHICLE from further damage caused by lack of necessary coolants or lubricants;”.
  7) Section C of the VSC entitled: “YOUR RESPONSIBILITIES” stipulates that “Any operation of the VEHICLE that results in further damage, related to the original MECHANICAL BREAKDOWN or FAILURE, shall be considered YOUR failure to protect the VEHICLE and shall not be covered under this VSC.”

  
  Nevertheless,
  the Administrator conceded coverage for not only the radiator diagnosed as the
  initial cause of failure, but for the aforementioned parts and labor which
  would be applicable to replacing the passenger side cylinder head gasket, as
  the next logical or expected step of sub-damage that MAY have occurred, and on
  the theory that perhaps the overheat condition which resulted from operation of
  the vehicle with insufficient coolant after the radiator leak, MAY have led to
  cylinder head gasket bypass before “customary and reasonable notice of the
  occurrence of a MECHANICAL BREAKDOWN or FAILURE”.  That authorization, in the net amount of
  $4,194.76, was provided as a goodwill gesture in the interest of customer
  satisfaction, which Mr. Ostrander was free to apply as a contribution toward
  whatever necessary and proper engine repairs his vehicle may require.  Regrettably, the level of extensive damage
  the engine sustained over and above that contribution, was simply beyond the
  limited scope of coverage provided by the VSC; and the Administrator is without
  a way to set aside the incontrovertible physical evidence presented in this
  case, in favor of a more convenient outcome which conflicts with not only that
  evidence and the VSC terms by which we are bound, but with the laws of physics
  and the standards and principles of automotive technology, as well.
  
  Under
  all these circumstances, we believe the Administrator has acted properly and in
  full compliance with the terms and conditions of Mr. Ostrander’s VSC; even as
  we truly regret any frustration or inconvenience he may have experienced.  We trust that our response to Mr. Ostrander’s
  comments has helped provide the Bureau’s readers with a clearer understanding
  and perspective of the VSC coverage and the events which took place during the
  recent claim, and we look
  forward to the opportunity to provide future coverage for eligible repairs
  presented in accordance with the VSC terms, throughout its remaining active
  period.  
  
  

• Review fromLisa T

  Date: 01/03/2023

  1 star
  Zero stars. This is 100% a scam. Email from ******************************* **-Your Equinox had the rear main seal blow out. My technician found the oil leak coming from between the transmission and engine. After cleaning off the oil and determining exactly where the leak was (the rear main seal) he continued his diagnosis to find the cause of the seal blowing out as they dont normally just failMy technician found the Positive Crankcase Ventilation (PCV) orfice clogged with carbon buildup, which causes excessive pressure in the crankcase damaging the rear main crankcase seal.We called the diagnosis into easy careand spoke with ******* and he stated that repair will not be covered due to carbon buildup not being covered under the contract.Parts and labor to complete the repairs will be $3192.00 plus state sales tax Our diagnostic fee is $159.99 plus states sales tax since Easy Care did not cover that either.Let me know how you would like to proceed. It looks like the parts to complete the repair are 2-3 days away and there is approximately 18 labor hours for the entire repair so with your authorization we could likely have it back to you Friday if you authorized it before noon tomorrow.The vehicle is not safe to be driven as it is currently. There is oil leaking onto the exhaust which presents a risk of fire; also, the engine running low on oil could further damage the internals.
  

  EasyCare

  Date: 01/09/2023

  To whom it *** concern:Please accept the following respectful reply to the recent Customer Review submitted to the ********************** by ********************* *************************** *************** on January 3, 2023, in connection with a recent claim submitted under the terms and conditions of **************** vehicle service contract (***).First, and as a preliminary matter, we very much appreciate the time and consideration **************** has taken to submit her comments, the opportunity to address those comments, and to hopefully correct any misperceptions that *** exist, as well. Regrettably, however, under the terms and conditions of the **** and according to the professional diagnosis provided by **************** chosen repair facility, the claim was not eligible for coverage due to the following:1) The *** extends coverage for the repair or replacement of all eligible components and parts that sustain a MECHANICAL BREAKDOWN or FAILURE, solely due to defects in material or workmanship of (those) covered part(s). 2) Diagnosis performed by the professionals at **************** repair facility has not confirmed a defect in material or workmanship to a covered part, but has instead verified conditions consistent with ************** technical service bulletin (TSB) PIP5093C.3) TSB PIP5093C outlines the likely cause of the condition exhibited by ************************************* to be an accumulation of ice, water, sludge, carbon, or other contaminant by-products restricting the *** system, resulting in excess crankcase pressure which then causes the rear main engine seal to deform and push outward, leading to oil loss and potential subsequent damage to internal engine components due to a lack of sufficient lubrication.4) These conditions and obstructions do not represent defects in material or workmanship to a covered part, the ***s foundational threshold for coverage.5) Section E (1) of the *** captioned WHAT IS NOT COVERED, specifically excludes the repair of a MECHANICAL BREAKDOWN or FAILURE Caused by any external cause such asfreezingwater or Of a covered part damaged by or as a result of sludge, fuel or lubricant contaminationregardless of cause.Of course, by the time the repair facility was able to diagnose **************** vehicle, any ice that *** have also formed during the sub-10 (and even sub 0) temperatures which were present in the days immediately prior, and which *** have contributed to the blockage, was undoubtedly melted. **************** is quite right when she states that it is uncommon for rear main engine seals to fail, although they do sometimes leak a few drops when they become worn over time but it is beyond extremely rare for a rear main seal to completely and suddenly blow out in the fashion diagnosed here, after nearly ****** miles of proper function. In this instance neither the rear main seal nor any other component suffered a defect in material or workmanship; but they were instead subject to excessive pressure brought about by a sludge/carbon obstruction, in the absence of which all indications are there would be no oil leakage or need for repair of any kind.We are grateful for the privilege of being **************** *** Administrator, and truly regret that coverage could not be applied during the recent claim. We look forward to the opportunity to provide future coverage for eligible repairs presented in accordance with the ***s terms and conditions, throughout its active period.Sincerely,Claims Department Automobile Protection Corporation - APCO