Carshield American Auto Shield Declined my claim for car repair St Peters MO

My complaint is with CarShield and American Auto Shield because they work together. I signed up with CarShield but American Auto Shield administers the policy. Ten weeks ago I signed up for the gold plan car warranty and then 4 weeks ago my car had issues with the drive train. I took my 2014 Nissan Rouge to the local Nissan dealership and they determined that my transmission needed to be replaced and this would cost me $4000 so I submitted a claim with CarShield.

After 16 days, Carshield declined my claim saying that it was pre-existing, which is not possible because i drove the car to Nissan plus the head mechanic said there is no time stamp that determines when a break down occurs. I believe that this was declined because of the cost and believe that if it was a $200 repair, it would have been approved. It's one thing to have a claim declined but it just made it worse when they took 16 days to decide this which is bad business plus i had to borrow cars/rides for 16 days