Square Trade Warranty Services Send laptop in for repair, they send it back damaged and won't fix it! Other

Careful using Square Trade for warranties. If THEIR techs cosmetically damage your item they will say "too bad-we won't fix it"! I sent my laptop in for a coffee spill, and it was returned to me with the case cracked. I called and they had me ship it back because the customer service rep. believed I should not have received it that way (mind you, it already took a month for me to get it back). Then, I get an email saying:

"Your device has been deemed fully functional after a full audit and diagnostic testing. During this audit the reported issues on the unit have been deemed as cosmetic. At this time your device does not require repair since these cosmetic issues do not affect the functionality of the device in any way. 

Because we have determined the device is operational and does not currently require repair for the reported issue, your unit will be shipped back to you shortly."

....So, if I send my car in to get the brakes changed, and come back to pick the car up from the mechanic, only to find a big dent in its side...will the mechanic say "Sorry, hon...our mechanic backed your car into a pole by mistake...but the car still works...its only cosmetic"???

Called and spoke to a supervisor  - Shah  - who said..."Sorry..it's not in your warranty for cosmetic damage"...I'm sorry - I DIDN"T CREATE THE COSMETIC DAMAGE!!!! He said, well your warranty is expired anyway. WRONG..it expires NEXT YEAR! I will NEVER buy their warranty again!