MOGI/WARRANTY AMERICA/DW AUTO WARRANTY/WARRANTY FINANCE Getmogi.com Smoke and Mirrors, Misleading Information, Hidden "fineprint" Internet

Mr./Mrs. Crunch

After reading your post we would like to take this opportunity to reply to some of the issues you have run into in regards to our service contracts.  We would first like to address the concern of Mogi paying for 100% of covered costs, not being true.  As advertised Mogi will in fact pay for all covered repairs less any deductible, please revisit our website linked here http://www.getmogi.com/tvcommercials.asp and take another look at some of our current ads.  You will see that roughly half way into the spot a header appears that states We pay 100% of covered costs, less deductible  (on the bottom of the screen it also states that deductible may vary by policy.  Deductibles range from $0-$250).  As advertised Mogi will pay for 100% of covered parts (less deductible), we apologize for any confusion you may have had on this topic. 

In regards to the levels of coverages, yes there are, of course, different levels.  Much like when you purchase vehicle insurance from All State, Prudential, Geico or a number of other carriers there are different levels of coverage for different situations.  We work hard to customize policies to our customers wants, needs and budgetary restraints.  Furthermore, it also holds true that not all vehicles will qualify for all levels of coverage; in this case we have restrictions that we must abide by in order to stay insured by our A rated carriers. 

Now, to respond to any confusion in relation to the remark: BUT ONLY UP TO THE CASH VALUE OF YOUR VEHICLE.  YES! This is absolutely true.  In insurance this would be called totaled.  However, please be aware that we take the time to evaluate your vehicles worth BEFORE any service contract is purchased and if the qualified vehicle is less than what the coverage is offered at, we make it known to the customer and suggest the policy not be purchased.  In the past we have had customers that still opt to get the protection on a vehicle that has a lower value simply because even if the vehicle is only worth $1000 they would still rather make small monthly installments and know they are at least covered to that point.  However, to make it clear, we DO NOT recommend you purchase a policy on a vehicle that is worth $500. 

Finally, we appreciate the possibility of saving $100 per month to pay for a repair in 3 years, but from our experience, with labor rates at an average of roughly $115 an hour (not including parts, diagnostics or taxes) and of course the possibility that you could break down any time (not just 3 years from now) service contracts are to protect from unexpected repair bills and we will continue to do our best in helping each customer interested in making an educated decision to have the peace of mind they are looking for. We apologize for any confusion and continue to look forward to helping our nations drivers aid against unexpected repair costs.  Best Regards, Mogi Customer Care

I was reading over the plan and I was thinking of purchasing one of the plans. You stated:
"If you take those lists to any repair shop, you'll find that even though certain parts are covered, you will still have to pay for some of the repair work.  This is because the repair shop can't work on the covered part of the list without working on the uncovered parts."

But in all their plans it clearly states: "seals and gaskets not covered will be covered if it is necessary to work on the non covered part to fix the covered part." I do not know what you would have to get worked on that you would need to replace a major non-covered part. and simply removing the part out of the way or taking off is not considered working on it. or if it is in connection with.  I am not saying you are wrong but I found this in 5 minutes on their main site. Is this your  opinion or did a mechanic actually tell you this?

And as for your car being worth 500.00 and the repairs costing 3000.00 etc etc , this would be common sense. I would assume it would be. The same holds true to an insurance company they will total your vehicle not fix it. And if you read in the product description it states this is insurance.

In short I think it is worth while to look into if you own a vehicle worth more than $500.00 lol I really hope you get your problems worked out. perhaps they should give you the option of getting a check for the value of the car instead of getting the repair done. If it is to costly due to the value of the car. like an insurance compny give you the option of totaling it out, or giving you a check for the said worth and leaving the option to fix it at your own mechanic.