Public Mediation

royal plus coverage insurance Dispute #8709092

J. A. vs. Dealer Services - N.C.W.C.
3430 Sunset Ave Ste 26, Ocean, New Jersey, 07712-3918, United States
Amount Involved: Other terms
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Statement of Claim
Complaints Involved (4) - View
Claimant says:
"We were sold after market warranty insurance, our F350 Ford Pick up truck started getting a foreign liquid in the coolant. Upon taking to an authorized dealer was told it would cost appx $800. to tear down to diagnose the problem. Diagnosis was then a cracked head. The representative had to inspect the defective part and said it was due to water damage, which according to him made the claim non payable.
We have tried to speak with someone from this company upon stopping payment on our monthly check, we are given a run around thru this company.
Why does water damage make this a non-payable claim, and how do you know what damage you have until it is diagnosed.
We feel this company has done nothing to stand up to it's claim and would not recommend it to anyone. What a rip off"
...
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Exhibits View
Additional Communication Between Claimant and Dealer Services - N.C.W.C. Hide
  • Sep 20, 2013, () added:

  • Dear June and Asa Aldredge,

    Thank you for contacting us in regards to the claim placed on your 2005 Ford F-350. After review of your claim, it was determined by your repair facility and confirmed by the independent inspection that the failure was a cracked cylinder head caused by a poor casting process by Ford Motor Company. Ford Motor Company published the Technical Service Bulletin 09-26-1 (also attached) on 12/16/2009 which explains in detail how the failure of your vehicle’s cylinder head was not caused by a covered component but by a faulty manufacturer casting.

    As per your service agreement, failures of the cylinder heads are only covered if damaged by an internally lubricated part such as pistons, valves or rockers. The failure exhibited to your cylinder heads is not the result of an internally lubricated part but from the failure obtained during the manufacturing process of the cylinder head.

    At this time and as per your service agreement’s terms and conditions we are unable to cover the failure of your vehicle’s cylinder head. If you have any further question or concerns please do not hesitate to contact me directly at 1-800-778-4422 ext. 318 M-F 9:00am until 5:00pm est.

    Thank you,
    Anthony P. Ragucci
    Claims Manager
    Palmer Administrative Services, INC
    1-800-778-4422 ext. 318
    3430 Sunset avenue,
    Ocean, NJ 07712

  • Sep 20, 2013, Claiming party added:

  • I see nothing in this attachment where it refers to a bad casting or relates a casting number to our truck. It is also not listed in your warranty manual that services are not covered if the manufacturer (FORD) has published an article about a problem to which your vehicle falls into those parameters.

  • Sep 23, 2013, () added:

  • You will see in your contract (also Attached) on page 14 paragraph 11 that all items listed under a Technical Service Bulletin by a manufacturer would not be listed for coverage. The TSB attached lists the effected models and model years which your vehicle would fall into. You will also see that a cylinder head is also not listed as covered unless damaged by an internally lubricated part of the engine assembly that is listed in the coverages section of your warranty booklet.

  • Sep 26, 2013, Claiming party added:

  • And again in the attachment you sent via this email there is nothing I
    found to substantiate that Ford acknowledges
    a problem with our truck.
    $800 was appx cost just for diagnosis for
    Dealer Services to then back out of claim.
    We have been told in the recent past now by dealerships that
    aftermarket warranties almost never pay.
    Contracts are worded to protect the company and
    are geared to individuals who do not have
    resources to find or knowledge.
    You have to go to bed with your conscience.

  • Apr 01, 2014, Dealer Services - N.C.W.C. (responding party) added:

  • Please see the attached technical service bulletin published by Ford. Also please note that the cylinder head is not covered unless damaged by an internally lubricated part of the engine.

What Claimant Wants Hide
Just make me happy!
Claimant invites Dealer Services - N.C.W.C. to make a fair offer.
1. Other – Pay for claim posting cost Sep 30, 2013 $7.99
Cash total : TBD
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Respondent's Counteroffer Hide
The claimant's settlement terms were rejected with the following explanation:
  • I disagree with the explanation / grounds provided

    "See attached response and documentation"

This claim will remain posted until resolved.

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  • Contributed Solution: by YOUR MOM On 09-23-2022
    View more
    HORRIBLE EXTENDED WARRANTY COMPANY! SCAMS THE CUSTOMERS AND SERVICE REPAIR SHOP! THEY AREN'T WORTHY OF A 1 STAR REVIEW BUT IT WOULDN'T ALLOW ME TO LEAVE ANYTHING LESS. I HAVE NEVER DELT WITH A COMPANY SO CROOKED. I FEEL BAD FOR THE CUSTOMER AND ANY OTHER CUSTOMERS THEY MAY HAVE. I SEE THEY AREN'T BBB ACCREDITED AND I KNOW WHY. THE CLAIM MANAGER ANTHONY RAGUCCI HAS MORE BUSINESS CLEANING PORT-A-POTS THAN HIS CURRENT POSITION.
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