On June 25, 2011 I bought my 2011 Dodge Challenger 392, along with it I bought with it for about $400 the road hazard tire and wheel protection, which has a $5000 maximum lifetime payout.
This warranty was supposed to protect my OEM $4000 wheels and tires from damages if caused by a road hazard, at the time I was not aware who Fidelity really was, or who they were backed by.
In fact I actually thought they were part of the Fidelity Investment group of companies... (this is not true....I eventually learned)
Fidelity Warranty is actually a division of a company called JMA Group out of Deerfield Beach, Florida.
Along with this they also have a large group of companies all under the JMA parent organization.
Jim Moran & Associates, Inc.
Fidelity Warranty Services, Inc.
Fidelity Insurance Agency, Inc
Courtesy Insurance Company
Southeast Toyota Distributors, LLC
World Omni Financial Corp. [continued below]....
JM Service Center LLC
and lastly JM Lexus
So now that you know all about the company, in the event a dealer tries to sell you a warranty from any one of these companies... they are ALL THE SAME company.
I agreed to : Coverage only occurs if its road hazard causes the damage.
Not anywhere in the exclusions does it say that the tire or wheel has to be damaged beyond repair, and that they will drag me through the mud while submitted and trying to collect on a claim.
Last November I hit a hunk of a brink in the road, and it popped up digging a chunk/slice out of the tire bead, and taking a ding out of the rim edge. Not horrible, but still none the less damage caused by a road hazard, and immediately pulled over and took pictures of the damage.
I called the warranty company and asked them how to submit a claim, and was told to contact the
dealer when the tire was failing to hold air.... I did not like their answer, but was like "whatever". But choose to go along with their game.
So I waited, and in the 2nd week of February 2011, the tire finally starts to lose air, at about 3-4psi a week, slow leak, but none the less, a leak.
I scheduled with my dealer to have it, and a few other things dealt with, dealer concurred with the damages, and called it in to Fidelity to have the wheel and tire replaced.
First they denied the coverage, and then said the car had to wait at the dealer for them to send out a inspector. So I had to work that into my schedule, and go back again. It took him 1.5 days to get out there.
Then when he finally showed up he took pictures of the wrong part of the wheel, they denied coverages, again.
So I go back to the dealer, and we take pictures of the right damages and provide to them the original pictures taken by me.... guess what.. they denied coverages again.
I spent on the phone talking to a guy named JOHN explaining to him the damages, and that it fails to hold air... he just plain argues with me, and wants nothing to do with taking care of the damages, and wants to me take MORE TIME out of my days go back to the dealer AGAIN... and have the service manager look at it..... He proceeds to tell me that he pays out over $250k month in claims.... somehow I don't feel that is a true statement.
He then tries to impress me on just how big his company his... as if I am goona back down.... when that did not work, he just wants to end the conversation....
So far I have lost over 8 hours of work, 2 days + of use on the car... and am driving on a damaged tire and wheel that could fail at any time.
If you look closely you can also see the wheel appears to be slightly bent as well.... but according to Fidelity, its safe, but they also refuse to indemify me should if fail and cover any damages while they drag their feet over this claim.
Now they keep saying to me.. oh this is a case for your auto insurance...
What the heck did I purchase for $400.... right now.. it seems like nothing more that a piece high dollar, toilet paper tissue.
I have dealt with alot of companies but never have dealt with a more worthless company in the
So if you have Fidelity or JMA (aka: Courteous Insurance), and you have damages.. be ready for a battle to get them to payout....your better off just not getting a warranty at all, or better yet, buy one directly FROM THE MANUFACTURER of your car, and steer clear of the 3rd party warranties...