Business ProfileforMechanical Breakdown Protection

September 3, 2021 I purchased a 2017 Kia Sportage EX with 56,656 miles. I also purchased the Premier Vehicle Service Contract for $2600. The oil is checked every week. Around 80,000 miles we noticed the Kia was using oil. We was having to put a qt of oil 300 to 500 miles. It was not leaking anywhere. I call Wood Motor Company to get an appointment to get it in and found out, they are not qualified to work on Kia’s. On June 15, 2023 took it to Youngblood Kia in Springfield. This is what Kia told me- After talking to Jason at MBPI so we would have to start with doing an oil change for tomorrow then you will have to come back in 1,000 miles after the 1,000 miles we would have to do a combustion cleaning that you would be responsible for paying. Afer the combustion cleaning if the car is consuming more then 1 quart per 1,000 miles then MBPI would look into authorizing but cant guarntee. The first oil change is 89.99. the combustion cleaning is $599.99. Only after doing the cleaning and seeing if it does more then 1 quart in 1,000 miles then they will look into making a claim. Jason said if you have any more question to contact him and he will talk you through it. Consumption test showed 870 miles it used 1 3/4 qts of oil. Yet MBPI wants me to pay $599.99 for a combustion cleaning. At 88256 miles the check engine light came on. Got permission from MBPI took it to our mechanic. Had to have the # 3 ignition coil pack and plug changed. It’s pumping oil to the # 3 cylinder. We had to pay $103 out of our pocket on this yet our contract says no deductible. Our mechanic said the only thing to do is rebuild the motor. MBPI wants us to pay for the combustion cleaning. Which is not going to solve the problem. So here we are with a vehicle that just turned over 100,000 miles and now uses 3 qts of oil every 1000 miles and has to have the # 3 plug changed every 5000 miles do to oil fouling it out. Yet I paid $2600 for the contract to pay for things like this.

It is unfortunate that this consumer is dissatisfied with the level of service provided under her vehicle service contract, as MBPI strives to ensure peace of mind and exceptional protection for every consumer serviced by our products. The consumer contacted MBPI in June 2023 with an oil consumption concern. Per the manufacturer’s guidelines, after performing an oil consumption test on the vehicle and determining there is excessive oil consumption, the next step is to clean the combustion chamber. This cleaning is not covered under the vehicle service contract purchased by the consumer. Under the terms and conditions of the vehicle service contract, if there is not a covered mechanical breakdown, the contract does not provide coverage for any expenses related to the diagnostic inspection, disassembly or reassembly of the vehicle. For this reason, we always recommend the consumer follow any guidelines/recommendations set by the manufacturer prior to the consumer potentially incurring those costs. Furthermore, we have found that vehicles of a similar make, model, and year as the consumer’s vehicle are especially prone to excessive carbon buildup. The combustion chamber cleaning is specifically designed to correct this issue without replacing any hard components. Regarding the second claim noted in the consumer’s review, in July 2023, MBPI authorized a replacement ignition coil, but the repair facility the consumer requested charged the consumer 54% more than the Original Equipment Manufacturer’s MSRP. Under the terms and conditions of the vehicle service contract, only “reasonable and customary charges for parts and labor” are covered. The charge from the repair facility selected by the consumer were neither reasonable nor customary. Any issue that the consumer has regarding the handling of this claim lies with the repair facility.