Platinum Coverage Claim Denied

[GEN XER]

Well I found out today that my claim for water in the Headlight and Tierods is being denied. Page 2 line 3 Service Contract Coverage is what they are using for the Denial. I don't understand how they can say that my trans was not a wear and tear issue but my tierods are, but that is what they are saying. I was given this contract at 62K miles, now they say any wear and tear item over 50K is not covered. They claim that the water in the headlight is not covered because its called Water Incursion, I have not read that yet as it pertains to headlights, but I did find Water Ingestion as it refers to the Engine Page 5 Line 18, but that's why denied that claim. I also read the Arbitration section Page 6 Arbitration which explains how I should go about disputing a claim, but before I do all that I am taking my contract to my lawyer who has won a lot of law suits for me and get his advise. I still like to hear from the forum though. Public Opinion is always welcome.

[ben916]

sounds like "someone" is tightening the belt on claims...

Sounds like a load of crap to me...
They shouldn't offer warranties if 50k miles is the "magic" number.
They took your $$$$ and don't want to cover claims?!?!?

Sounds like a "precedent" lawsuit to me...

[ttboost]

sounds like "someone" is tightening the belt on claims...

Sounds like a load of crap to me...
They shouldn't offer warranties if 50k miles is the "magic" number.
They took your $$$$ and don't want to cover claims?!?!?

Sounds like a "precedent" lawsuit to me...

More importantly, don't issue a warranty on a 60k+ mile car if 50k miles is the number!!! Peckerheads...

[DHall1]

Willie,

Your 8k ahead on the plan already.

Call it good. I would not argue the headlights at all. Tie rods...mmm, thats is a tough one. Is it worth the effort to dispute just the tie rods?

Remember, your 8k ahead already. Do you want them to flag your car for future repairs? I would not.

I know that Fidelity does not cover the c/v boots...which is the same reason why the tie rods are not covered? donno.

02c

[Hy Octane]

This is why I passed on the Audi PP plan and went for Total Shield instead.
They cover everythying bumper to bumper (except the usual brakes etc) and pay full labor costs as well. Sorry to hear..

[MaxRS6]

Tie rods are going to be tuff....

Hmmm- are you sure a rock didn't fly up from a truck (dang- it struck both headlights (magic bullet theory-aka JFK), and pierce the tie rods for an insurance claim. You didn't hear it from me as time "in the hole" for insurance fraud may not be worth it..:)

[Spidercat]

Willie,
Do you want them to flag your car for future repairs? I would not.



Can they really do that? How/what/why?
(I honestly never heard of that, but it doesn't surprise me at all. I'm just trying to avoid this landmine. Sounds like something I don't want, either.)

[skribe]

I dunno, tie rods on a 7 year old 450 hp car are a wear item in my book. And honestly, I don't think you should own an aging supercar unless you have a fat wallet and are handy enough to do something like dry out a misted headlight housing and gasket it with silicone.

I don't want to be a dick, but It kind of makes me cringe when you guys post things like "I have droplets in my headlight. Good thing my $3k warranty that I've already got $8k out of will cover the $2k dealer repair that I could do in my garage for free."

Do you really think that they don't track your claims and flag you. That's how acturial businesses work... No, they won't admit it, or leave evidence of it, or be remotely threatened by your lawyer. They have in-house legal staff, they will just outlast you.

Interesting note, just today my fidelity platinum 6/60 went live on the 34k mile car I just bought. Got the inspection done (passed easily, it's a perfect Cali car, the thing is like new) and the guy who sells warranties told me good thing I bought it in 09, as the same warranty had tripled in price to 15k (!) for 2010. Not sure if I believe that, the kid is a bit of a flake. But could the actuaries at fidelity have figured out the true cost of the beast?

I'm saving my claims for big stuff... Not vehicular hang nails.

- skribe (formerly droogie5)

[V8weight]

I dunno, tie rods on a 7 year old 450 hp car are a wear item in my book. And honestly, I don't think you should own an aging supercar unless you have a fat wallet and are handy enough to do something like dry out a misted headlight housing and gasket it with silicone.

I don't want to be a dick, but It kind of makes me cringe when you guys post things like "I have droplets in my headlight. Good thing my $3k warranty that I've already got $8k out of will cover the $2k dealer repair that I could do in my garage for free."

Do you really think that they don't track your claims and flag you. That's how acturial businesses work... No, they won't admit it, or leave evidence of it, or be remotely threatened by your lawyer. They have in-house legal staff, they will just outlast you.

Interesting note, just today my fidelity platinum 6/60 went live on the 34k mile car I just bought. Got the inspection done (passed easily, it's a perfect Cali car, the thing is like new) and the guy who sells warranties told me good thing I bought it in 09, as the same warranty had tripled in price to 15k (!) for 2010. Not sure if I believe that, the kid is a bit of a flake. But could the actuaries at fidelity have figured out the true cost of the beast?

I'm saving my claims for big stuff... Not vehicular hang nails.

- skribe (formerly droogie5)
Hmm, your making friends now. What's with the second user account?:vhmmm:

[GEN XER]

I dunno, tie rods on a 7 year old 450 hp car are a wear item in my book. And honestly, I don't think you should own an aging supercar unless you have a fat wallet and are handy enough to do something like dry out a misted headlight housing and gasket it with silicone.

I don't want to be a dick, but It kind of makes me cringe when you guys post things like "I have droplets in my headlight. Good thing my $3k warranty that I've already got $8k out of will cover the $2k dealer repair that I could do in my garage for free."

Do you really think that they don't track your claims and flag you. That's how acturial businesses work... No, they won't admit it, or leave evidence of it, or be remotely threatened by your lawyer. They have in-house legal staff, they will just outlast you.

Interesting note, just today my fidelity platinum 6/60 went live on the 34k mile car I just bought. Got the inspection done (passed easily, it's a perfect Cali car, the thing is like new) and the guy who sells warranties told me good thing I bought it in 09, as the same warranty had tripled in price to 15k (!) for 2010. Not sure if I believe that, the kid is a bit of a flake. But could the actuaries at fidelity have figured out the true cost of the beast?

I'm saving my claims for big stuff... Not vehicular hang nails.

- skribe (formerly droogie5)

The point of the whole exercise is don't offer what you wont really honor. I have already found the issue with the headlight. If you don't challenge the Status-Quo you will never know if you can really trust what they say. The issue is FWS wrote a contract on the car knowing it had 60K miles on it and the headlights are a covered item. The tie-rods are covered items, so honor what you claim you will honor or don't warranty cars over 60K. It seems to me to be a case of fraud to write a contract for a car that had 60K miles when you did not intend to cover anything wear-and-tear after 50K. I get your point, but I have to make mine. I'm not concerned about red flags, black flags or any other flags, but at the same time I am not naive enough to start a war over $370. That still doesn't change the fact that I want to know what my legal rights are.

[GEN XER]

Willie,

Your 8k ahead on the plan already.

Call it good. I would not argue the headlights at all. Tie rods...mmm, thats is a tough one. Is it worth the effort to dispute just the tie rods?

Remember, your 8k ahead already. Do you want them to flag your car for future repairs? I would not.

I know that Fidelity does not cover the c/v boots...which is the same reason why the tie rods are not covered? donno.

02c

The tie-rods are covered under the Gold plan, but my car exceeds 50K miles, just like it did when I purchased the warranty. I'm not fuming or anything its only $370 after all to get the tie-rods done. Its not worth a real fight, but it is worth a legal inquiry.

[eurotunedrs6]

Interesting note, just today my fidelity platinum 6/60 went live on the 34k mile car I just bought. Got the inspection done (passed easily, it's a perfect Cali car, the thing is like new) and the guy who sells warranties told me good thing I bought it in 09, as the same warranty had tripled in price to 15k (!) for 2010. Not sure if I believe that, the kid is a bit of a flake. But could the actuaries at fidelity have figured out the true cost of the beast?

I'm saving my claims for big stuff... Not vehicular hang nails.

- skribe (formerly droogie5)

I highly doubt 15k, so like you suggest that salesperson is a flake. Ive been talking to Pete and Chandler and he hasnt mentioned anything of the price increase, especially not 50that big of an increase. Worse case scenario other warranties are options. Glad I know a family member in sales that can get other warranties at cost. fideliy has had a good rep so im not sure what to do now...this makes things a little more difficult

[V8weight]

I highly doubt 15k, so like you suggest that salesperson is a flake. Ive been talking to Pete and Chandler and he hasnt mentioned anything of the price increase, especially not 50that big of an increase. Worse case scenario other warranties are options. Glad I know a family member in sales that can get other warranties at cost. fideliy has had a good rep so im not sure what to do now...this makes things a little more difficult
My warranty is through Zurich. I've never had any problems with them, in fact quite the opposite. In the last year they have paid to replace my torque converter, primary O2 sensors, secondary O2 sensors, hvac blower motor, evap canister purge valve, after run coolant pump, drivers door latch assy. and probably a few other things I can't remember off the top of my head. They've actually been a pleasure to deal with.

[GEN XER]

See how making an issue of things can get folks to reconsider what/ who they will use to warranty there car. It also stimulates talk of who others are using and what experience they have had using them. Its OK to challenge the Status-Quo.

[skribe]

Covered as defect in workmanship vs. wear is different... Truth is, Fidelity can wiggle around their contract as much as they want and it's really tough to fight it. The writing of it is geared more toward defect in workmanship for sure.

The difference with Audi/Fidelilty is that Audi USA put their name on it and sold it through their dealerships, so it's held to a slightly higher standard. The dealers will get PISSED if Fidelity hassles their customers too much about an Audi branded product they sold at their dealerships... That's as good a check as the invisible hand of commerce can give you. Those guys have so much influence over corporate, I work in the industry, I see it all the time.

I bought my warranty mostly because it helps me enjoy my car, in the sense that I can stick my foot in it every day without worrying that I'll be the one guy out of 860 who burns a timing belt or throws a rod and collapses a hand-built $20,000 Cosworth engine and has to hit the college fund to repair his peculiar automotive obsession.

I still think the Audi brand on the Fidelity product trumps the Carchex and Whateverthefuck warranties out there, but I also think there's no such thing as a free lunch...

But anyway, God I love my :rs6kiss:

[skribe]

See how making an issue of things can get folks to reconsider what/ who they will use to warranty there car. It also stimulates talk of who others are using and what experience they have had using them. Its OK to challenge the Status-Quo.

For sure, dude. You have the right to try to max out your warranty as best you can... Just offering up my un-asked-for opinon! :hihi:

[DHall1]

So after 50k they will not cover the tie rods?




The tie-rods are covered under the Gold plan, but my car exceeds 50K miles, just like it did when I purchased the warranty. I'm not fuming or anything its only $370 after all to get the tie-rods done. Its not worth a real fight, but it is worth a legal inquiry.

[GEN XER]

So after 50k they will not cover the tie rods?

That was there reason for denying the claim. I'm just confused though the car had 71K when they replaced the trans for mechanical failure, but the tie rods are not covered because although its a mechanical failure, the car has more than 50K miles so its not covered. The thing that really baffles me is when I signed the contract the car had 62K miles on it, so did you make a fraudulent contract or are you blowing smoke up my ass right now because you had to replace the trans? If you gone bend me over at least use some grease.

[DHall1]

Yeah, I can see your pain. If the contracts states tie rods and you purchased at 62k where the tie rods were no longer covered....why didnt they tell you.




That was there reason for denying the claim. I'm just confused though the car had 71K when they replaced the trans for mechanical failure, but the tie rods are not covered because although its a mechanical failure, the car has more than 50K miles so its not covered. The thing that really baffles me is when I signed the contract the car had 62K miles on it, so did you make a fraudulent contract or are you blowing smoke up my ass right now because you had to replace the trans? If you done bend me over at least use some grease.

[GEN XER]

Yeah, I can see your pain. If the contracts states tie rods and you purchased at 62k where the tie rods were no longer covered....why didnt they tell you.

I say again "If you gone bend me over at least use some grease." :doh:

How is any Mech failure covered after 50K if that is the case? I have a lot of concerns, so i asked my lawyer to review the contract and translate the mumbo jumbo.

BTW while I was on the phone with FWS the guy on the other end says "we didn't deny your $8K trans replacement." I guess I'm suppose to be grateful for that and not ask for anything else. I mean who am I to expect more after they have shown me such a courteous gesture. Shutting my mouth and sitting in the corner!!!

[eurotunedrs6]

My warranty is through Zurich. I've never had any problems with them, in fact quite the opposite. In the last year they have paid to replace my torque converter, primary O2 sensors, secondary O2 sensors, hvac blower motor, evap canister purge valve, after run coolant pump, drivers door latch assy. and probably a few other things I can't remember off the top of my head. They've actually been a pleasure to deal with.

This warranty something I can just find online, or do you have a specific contact? Thanks! Im gonna see what otehr options are out there before I make the final purchase on a warranty. The hard part is figuring out who is easy to deal with and also who is hassle free....for the most part

[ttboost]

[quote=GEN XER;180498]I say again "If you gone bend me over at least use some grease." :doh:quote]


When and if you renew your warranty (which isn't likely with the 50k mile thing), make sure you specify, in the contract, the "grease" you would like to be used.:lovl:

[GEN XER]

[quote=GEN XER;180498]I say again "If you gone bend me over at least use some grease." :doh:quote]


When and if you renew your warranty (which isn't likely with the 50k mile thing), make sure you specify, in the contract, the "grease" you would like to be used.:lovl:

I most certainly will. :rotflmao:

[GEN XER]

In the end it came down to whether I'm willing to take $370 into arbitration. Who is going to do that. They don't have the right to deny the claim, but they know you wont go into arbitration for such a small amount. I'm on to something bigger I hope not to spend 6K on this Turbo Upgrade.

http://www.rs6.com/forum/showthread.php?t=20253

[arS6]

I highly doubt 15k, so like you suggest that salesperson is a flake. Ive been talking to Pete and Chandler and he hasnt mentioned anything of the price increase, especially not 50that big of an increase. Worse case scenario other warranties are options. Glad I know a family member in sales that can get other warranties at cost. fideliy has had a good rep so im not sure what to do now...this makes things a little more difficult


$15k-ish is oh so true! I was just at the dealer this week and I asked for the price list since my CPO is expiring. I was just going to start a new post to ask what you guys bought and suggestions.

[DHall1]

What exactly were you quoted?


$15k-ish is oh so true! I was just at the dealer this week and I asked for the price list since my CPO is expiring. I was just going to start a new post to ask what you guys bought and suggestions.

[arS6]

what exactly were you quoted?

platinum
6/72 $14,486
6/60 $11,828
5/60 $10,146
4/60 $9,274
4/48 $7,916
3/36 $5,818
2/24 $4,132
1/12 $2,792


gold plus
6/72 $13,124
6/60 $10,732
5/60 $9,218
4/60 $8,432
4/48 $7,210
3/36 $5,322
2/24 $3,804
1/12 $2,528

[DHall1]

Holy crap!

I guess the claims have caught up with the beast.

I paid 3200 for my 6/72

Funny thing I will never get there with the mileage. I have 31k and counting.

Ouch, ouch on those prices

[peiserg]

Damn, Holmes!

I just paid $4300 for my $50 deduct (zero actually.. the selling dealership waives it) pure platinum. About 4 months ago.

Saved me selling the car...

and since there's this 50k "wear" fine print... and my car has 46k... i guess i'm due to run her in and see if they find anything before i hit 50k..

[GEN XER]

There is no reason to have anything more than the power-train warranty in my opinion. Fidelity is only going to deny any other claim as a wear and tear item issue, not covered under the so called Gold, Gold Plus and the OMG Platinum coverages. I mean if you are selling warranties that are suppose to cover everything with only a few exceptions, then you don't cover it, that's fraud. I mean they know you wont challenge it in arbitration so it would seem that unless your tranny or engine goes then they just sit back and deny, deny, deny. I could have saved $3000 and just bought the power-train warranty. I would prefer Astro Glide over grease please.

How do you sell a warranty on a car with 62K miles, then claim that the car has more than 50K miles so wear and tear items are not covered. Wasn't the Tranny, Motor Mount Solenoid and the Engine Gas Temp sensor all wear and tear items? Well I guess once Fidelity pays more in replacement parts than you paid for the Warranty, you are done.

[DHall1]

Willie,

You sound like me when I start beating that horse.

I hear what your saying but we are already "all in". I think the Fidelity will pay off for other items. Be happy you got the big stuff covered and get those intercoolers changed in a few months. Yours are really leaking...hint, hint.

I may dig out my Fidelity contract to sniff around for this 50k fine print.

[GEN XER]

Willie,

You sound like me when I start beating that horse.

I hear what your saying but we are already "all in". I think the Fidelity will pay off for other items. Be happy you got the big stuff covered and get those intercoolers changed in a few months. Yours are really leaking...hint, hint.

I may dig out my Fidelity contract to sniff around for this 50k fine print.

Well I don't think they are going to cover anything else. What part on your car does not wear over time? We'll see what happens if something else that is suppose to be covered goes south. I think the print you are looking for is page 2 near the top.

[skribe]

Wow... so it's real. I inked my 6/60 warranty in the waning days of '09, less than a week before the price tripled... Honestly, the previous pricing structure was a Fidelity mistake if you look at the cost of even routine repairs on this car. It's no cheaper to maintain than a friggin Gallardo.

Yeah, my warranty is no doubt not as great as they sell it to be, but damn, I feel lucky.

:deal:

[DHall1]

Willie,

I dont see where the tie rod ends are stated to be covered at all.

We may be sounding the fire alarm too early.

I see the 50k but until we have a denial on a transmission or TC....I think its fine.

[skribe]

Willie,

I dont see where the tie rod ends are stated to be covered at all.

We may be sounding the fire alarm too early.

I see the 50k but until we have a denial on a transmission or TC....I think its fine.

I'll say it again, tie rod ends ARE a wear item. Especially on a high performance AWD car.

I wouldn't expect them to be covered, unless one snapped in half because of a bad casting or something.

[DHall1]

Yes you are and I agree 100% with the prev pricing structure. That is why I beat the drum so loud in 09. Now the party is over. Those that have it....are good.

Routine repairs? How about 700 dollar complete 35k service?


Wow... so it's real. I inked my 6/60 warranty in the waning days of '09, less than a week before the price tripled... Honestly, the previous pricing structure was a Fidelity mistake if you look at the cost of even routine repairs on this car. It's no cheaper to maintain than a friggin Gallardo.

Yeah, my warranty is no doubt not as great as they sell it to be, but damn, I feel lucky.

:deal:

[skribe]

Yes you are and I agree 100% with the prev pricing structure. That is why I beat the drum so loud in 09. Now the party is over. Those that have it....are good.

Routine repairs? How about 700 dollar complete 35k service?

Are you talking your DIY t-belt job? I was referring to $tealership prices, which is what the Fidelity actuary is going to use, hence the huge jump in price of warranty this year.

Agree with your philosophy on DIY, FWIW. If you take the time to educate yourself and have any mechanical aptitude, you will do a better job on your own stuff because you CARE. And it feels damn good.

Last summer I got lazy and had the dealer do the t-belt and waterpump on my 1.8t VW. It was down on power and missed on WOT after I got it back. Took the cover off and discovered that they had used the wrong part, a belt that was 3mm longer, so the timing was retarded by one tooth.

:doh:

...And thanks for beating the warranty drum. I listened. I owe you eight grand.

[DHall1]

Got it and yes the large claims have added to the bottom line for sure. I guess I have some fault there....I pressured some 10-20 owners here to buy the Fidelity. Best hedge for the money on the market. My car is paid for and fully hedged for 5 more years.

Agree on the DIY. Its been my philosophy all thru the years. If you want it done right...do it yourself. The RS6 and E55 make that difficult with the high cost of some components thus the hedge. But nothing can stop me from learning the major service and maint points. Nothing.

You can send that 8g's and I will add it to our beer fund. We just saved 6g's last weekend. Now we are talking party money.



Are you talking your DIY t-belt job? I was referring to $tealership prices, which is what the Fidelity actuary is going to use, hence the huge jump in price of warranty this year.

Agree with your philosophy on DIY, FWIW. If you take the time to educate yourself and have any mechanical aptitude, you will do a better job on your own stuff because you CARE. And it feels damn good.

Last summer I got lazy and had the dealer do the t-belt and waterpump on my 1.8t VW. It was down on power and missed on WOT after I got it back. Took the cover off and discovered that they had used the wrong part, a belt that was 3mm longer, so the timing was retarded by one tooth.

:doh:

...And thanks for beating the warranty drum. I listened. I owe you eight grand.

[RS6VA]

I highly doubt 15k, so like you suggest that salesperson is a flake. Ive been talking to Pete and Chandler and he hasnt mentioned anything of the price increase, especially not 50that big of an increase. Worse case scenario other warranties are options. Glad I know a family member in sales that can get other warranties at cost. fideliy has had a good rep so im not sure what to do now...this makes things a little more difficult


It is true, the warrnaty has close to tripled. I got these "discounted" (~40%)quotes a couple of weeks ago but found aanother option:
2 years or 24,000 miles $ 4101.00 12 x 313.00 $ 100 deductible
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2 years or 24,000 miles $ 3691.00 12 x 281.00 $ 250 deductible
<o:p> </o:p>
3 years or 36,000 miles $ 5110.00 18 x 260.00 $ 100 deductible
<o:p> </o:p>
3 years or 36,000 miles $ 4610.00 18 x 232.00 $ 250 deductible

[ben916]

i just got a RS6 quote on Total Shield.
Posting email results shortly.

The word is out about the loss rates on the RS6, hence the JUMP in pricing...

[GEN XER]

Willie,

I dont see where the tie rod ends are stated to be covered at all.

We may be sounding the fire alarm too early.

I see the 50k but until we have a denial on a transmission or TC....I think its fine.

I have gotten over it, but the Platinum Coverage has an exclusion list and the tie-rods are not on it. I have a pamphlet that came with my warranty and it lists all the covered items from power-train plan to the Platinum plan. The first item listed in the Gold Plan are Tie-rods. In the bigger picture its no big deal but, if you are not going to cover it then list it in the exclusions.

[DHall1]

I agree on all counts.




I have gotten over it, but the Platinum Coverage has an exclusion list and the tie-rods are not on it. I have a pamphlet that came with my warranty and it lists all the covered items from power-train plan to the Platinum plan. The first item listed in the Gold Plan are Tie-rods. In the bigger picture its no big deal but, if you are not going to cover it then list it in the exclusions.