SMARTAUTOWARRANTY/CARCHEX Riped me off Hunt Valley Maryland

Thank you for the opportunity to respond to this customer's posting. It is important to understand that sales organizations maintain no authority or discretion in the adjudication of claims. That responsibility rests with the Administrator of the contract. Similarly, if you buy insurance through your Allstate sales agent, Allstate is the entity approving and paying insurance claims, not the agent.

Each Administrator's contract contains specific Terms and Conditions which outline exactly what is covered by the contract as well as other important items such as claim procedures. We strongly recommend to all consumers to request and review the service contract information thoroughly prior to and after purchase so that they may get a clear understanding of the covered components associated with their purchase as well as familiarize themselves with the company backing the contract. At CARCHEX all contracts in their entirety are available for consumers to review prior to purchase and we proudly offer a 100% 30-day Money Back Guarantee and the highest quality products backed by top tier administrators and insurance carriers. In the instance of a cancellation beyond 30 days, each service contract is prorated exactly based on the terms included in the Administrator's contract.

In this case, the customer's complaint is misguided. The complaint should be directed towards the repair facility that refused to use reasonable rates for performing repairs. ALLDATA® is the industry standard for providing OEM automotive repair guides and is used by thousands of professional repair and collision shops across North America. It outlines, among other things, recommended parts and labor for particular repairs. As stated by the customer, the administrator had approved to pay the amount provided in the ALLDATA® guide toward the claim. Insurance companies do not allow doctors to charge unlimited amounts for a check-up so it stands to reason that a service contract administrator would not pay unlimited amounts to a repair facility for a repair.

While we attempt to make every customer happy with their purchase, inevitably there are some instances in which a customer may be dissatisfied with the result of a claim. In all cases, we are available to work on behalf of consumers to help determine validity of any denial. For additional information you may visit www.CARCHEX.com. We look forward to the opportunity to serve future consumers thru our consultative sales process.