AutoSave - Charter Warranty - Dell Financial Failed to honor extended warranty ripoff Farminton Hills Michigan

Water pouring out of the exhaust and slime oozing out of your mouth Bob. How the heck does a layman get coverage on a vehicle when your favourite phrase is "non covered event" Give them the insurance money back and I mean the total $1500 because they were conned into believing they would be covered in the event of engine failure. The young lady pulled over as soon as she realised there was a problem. From the first phone call to your company the spin doctoring started and you squirmed your way out of another one.

These are decent, honest people dealing with a lowlife car sales company and an even worse warranty company. Hang your head in shame.

An actual chain of events for this vehicle's claim are listed below, the actual reasons for denial were not mentioned originally and are here for review.

The person who was driving the vehicle called us on 5/23/2006 1:04 pm (R)- Customer states headgaskets are blown. States the engine overheated and was smoking. Advised have shop call us. Call recorded.

Then a few minutes later @
5/23/2006 1:21 pm (R)- Shop called with more info. They performed a block test and found the headgaskets failed. Call recorded.


Then a few minutes later @
5/23/2006 1:30 pm (R)- Informed the customer this is not a covered repair. Blown Headgaskets non-covered failure= engine overheating. Call recorded.


Then the next day @
5-24-2006 LM For customer -suggested that they read warranty paperwork in sections that pertain to blown headgasket. Call recorded.


The customer and here parents had been relentless in the fact that this should have been a covered repair. As per the repair facility the vehicle was brought into the facility with no antifreeze or water of any kind in the radiator, etc.

On 6-6-2006 an independant inspector was sent out to inspect the vehicle as well as take pictures for documentation purposes of the vehicles non-covered failure(s).Documentation is required when consumers makes over the top statements.

Upon arrival at the facility the inspector was informed by the tech that the pick-up truck in question had been towing an 19' u-haul trailer through the desert (moving) at a time when the temperature was in excess of 110 F on departure from Phoenix, AZ. Pictures of the freshly installed u-haul trailer hitch and wiring harness were provided at this time.

Upon further inspection the #6 piston was eaten away at the lower & rear sections of the top of piston, the cylinder head was warped over .007 and both valves seats in cylinder #6 are cracked as well as that portion of the head in that cylinder.

The tech stated that water was running out of the muffler when brought into the facility. The water pump was operational at that time no leaks.

The tech states that the cause of faiure is" THE FAN CLUTCH WAS FOUND TO BE FREE-WHEELING AND NOT ATTEMPTING TO ENGAGE".

The engine's sole source of cooling the " RADIATOR FAN ASSEMBLY WAS FOUNG TO BE DEFECTIVE BY THE REPAIR FACILITY.


The Cause of the failure is a non-covered part the fan clutch. The warranty is a powertrain warranty only and does not cover anything but the internally lubricated parts of the engine, transmission subsequent damage from non-covered parts is a non-covered event.The fan cluth assm is not listed as a covered part on their warranty form.

The repair facility signed the inspection report on June 6, 2006 and agreed that the part that they found "the fan/clutch assembly" was the root cause of overheating failure.This document was made part of our file.

In any warranty companys wording, items such as ; vehicles driven to destruction, failure to prevent further damage from occuring, overheating, blown head gaskets are clearly listed as reasons for a claim denial.Dodge would have not covered a vehicle this severly overheated under these conditions.

The consumer/parents etc were informed on numerous occasions that the root cause of the problem was a non-covered component as discovered by their repair facility and further documented by a written an signed report.

We do have empathy for the consumer, our job as the Administrator is to see if a covered component caused the failure of the vehicle.

The claim has been denied as a non-covered component and furthermore with the blown headgasket(s) as well as the cracked cylinder head and seats and water coming out of the muffler clearly indiscates that this vehilce was operated under abnormal operating conditions that were caused solely by the actions of the individual(s) that were operating the vehicle and these actions would cause a claim to be sudsequently non-covered based on their actions.

Thank you,
Robert Adams