This rebuttal is filed on behalf of AA Auto Protection, one of the companies mentioned in this report. AA Auto Protection is a broker of vehicle protection plans. We do not approve, deny, or process claims. We did not deny Broc's claim. We present plans to customers, and process enrollments. Broc selected one plan of the several that were presented. We do not offer any plans, nor have we ever, that are active on the first day after enrollment. All calls are monitored by our company, and misrepresentation of plans is not tolerated.
Broc's claim was made only 1 month after enrollment in the plan. His claim was denied because it was judged to be a pre-existing condition. Meaning, the problem with his vehicle was more than 2 weeks old. This was evident by the wear shown on the failed components. The amount of wear visible was more than could have been created over a 2 week period. Therefore, it was denied as a pre-existing condition.
The plan that Broc selected will pay for legitimate claims, but none will pay for pre-existing conditions. Given the amount of wear on the failed parts, it's reasonable to conclude that it was evident at the time of enrollment that the vehicle would soon need repairs. Obtaining a warranty or vehicle protection plan with the intent of using it to repair a problem that currently exists on a vehicle is insurance fraud.