Preferred Warranties Inc PWI Shady Company! Will not cover a legitimate claim! Orwigsburg, PA

My car has been making an increasingly loud whining noise for the last week or so.  My mechanic has diagnosed the issue based on a service bulletin from my manufacturer, hearing the noise, and his general knowledge (this is a KNOWN defect!).  The correction is pricey...replacing the oil pump drive chain module, timing chain, timing chain tensioner, slide rail, tensioning rail and guide rail.  PWI refuses to approve the claim without a "tear down" to determine the cause.  Remember...manufacturer service bulletin!!  They won't pay for the disgnostic...that's on my dime.  According to my mechanic, I run the risk of blowing up the engine if I continue driving the car, although he said it is probably inevitable anyway.  So I haven't been able to drive my car for 3 days, I have to,pay out of pocket