Thoughts on this warranty

[Dean2]

And yet if you pay much attention to this forum it's been made pretty clear the the 66RFE is a time bomb and the vast majority of them implode on themselves along with the HVAC system plugging up the heater core...

Not everything I owned was Dodge. I have owned pretty much at least one of every common make of vehicles and multiples of Toyota, Lexus, Honda, GM. Only ever owned 2 Ford products.

I gave you my experience over 55 years and a couple hundred vehicles. What you choose to do with that info is strictly up to you.

 

[GTyankee]

This May be a repost, my laptop went crazy yesterday

MOPAR Used Vehicle Warranties
is what i recently purchased

I bought my 2016 Ram as a Factory Order
I had the original3 year bumper to bumper
then a 7 year extended warranty, it was about to expire, so i purchased the
MOPAR Used Vehicle Warranty

There are 2 discount warranties online

Granger & Ziegler, unlike the local dealerships that are way higher in price

GrangerMotors is a Vendor on this site​

 

[stevenP]

Go with the mopar maxcare. It is the best value for the money, at least from what I have seen. Case in point, my 2022 with just over 12k miles...transmission went out, rear air suspension failed too. Paid the $200 deductible for around $12k in repairs parts and labor.

 

[TJP440]

If it is not a factory backed warranty proceed with extreme caution. The selling party will promise everything you want to hear. But when it's claim time the promised coverage was mis-quoted or the policies have changed, IF the company is even still in business. I could tell you some horror stories but there are likely plenty online. Do your research. My concern with Stellantis right now is how long are they going to be around

 

[Thornback]

I never purchase an extended warranty for anything. I take a bit of a gamble, but the odds are in my favor. When any salesman asked me if I want the extended warranty for anything, I always ask if he thinks his product is so shoddy that it needs an extra warranty.

 

[OldRider]

You pay your hard earned cash for this warranty. You have a breakdown and send a claim into the warranty company. They claim that is not a "covered" part and deny the claim. You just lost your money because there's nothing you can do about it. I'm not opposed to factory backed extended warranties, but I would never buy a third party warranty. I bought a four year extended warranty on my 22 Ram. It will cost me $37.50 a month for the last four years I have the truck. I just considered it insurance in case of a breakdown. If something breaks, I'm covered and if nothing needs repairs, I'm happy with the $37.50 a month.

 

[Sherman Bird]

No.

Warranty companies are basically, insurance companies. They exist to make money. In the long term, their customers pay In more than the warranty company pays out. Otherwise, it wouldn't be a profitable business and that company would be doing something else.

Live well below your means and save/invest the difference.

When you have an emergency fund = to or > the price of a replacement truck, you will be your own warranty company. You can decide for yourself when to repair vs replace, and the difference between paid-in vs paid-out, is YOUR profit instead of theirs.


Those are my thoughts on warranties.

That's what I do. I've found that the older you get, the less nice stuff you want, and the faster and bigger the emergency fund grows. Then someday you'll die, and your grandkids will spend it on hookers, blow and a new Ferrari.

Fear of loss. Something for nothing. Free. No effort/work/discipline... Am I forgetting any psychological triggers that lighten one's pockets, enrich the snake oil/revivalists among us?

Looking at the BIG picture from a panoramic view in terms of years of experience, etc., people tend to define their entire lives on moments which are rare.

It's not Voodoo, smoke and mirrors, or fog. It's about the perspicuity to understand facts about machines. I boil it down to: Why am I in my car, anyway? To get from point A to point B. It's been that fact since 1972, when I got licensed to drive. Oh. I DO enjoy climate control and cruise functions. But, I won't be caught at a red light or going down the freeway with my nose in a cell phone.

Media has done a stellar job of BSing the masses into thinking cars are about ego, sex, image, convenience in having the ability NOT discipline our time. or paying attention to driving as a singular, uninterrupted activity.

Lately a well known car warranty company had been bombarding us with famous people (who are ALL rich) being paid bookoos of money to lie to us, with testimonials and statements from a former female race car driver saying "Why not let this warranty company pay for your car repairs?"!

All the while, the tiny print disclaimers on these warranty contracts insure that, like casinos, the house wins, and the hapless person loses... again, in the long game. Oh, they let people win one occasionally, but, that's similar to giving Fido treats to manipulate his behavior! There! Is that cynical enough?!

 

[Ken226]

Fear of loss. Something for nothing. Free. No effort/work/discipline... Am I forgetting any psychological triggers that lighten one's pockets, enrich the snake oil/revivalists among us?

Looking at the BIG picture from a panoramic view in terms of years of experience, etc., people tend to define their entire lives on moments which are rare.

It's not Voodoo, smoke and mirrors, or fog. It's about the perspicuity to understand facts about machines. I boil it down to: Why am I in my car, anyway? To get from point A to point B. It's been that fact since 1972, when I got licensed to drive. Oh. I DO enjoy climate control and cruise functions. But, I won't be caught at a red light or going down the freeway with my nose in a cell phone.

Media has done a stellar job of BSing the masses into thinking cars are about ego, sex, image, convenience in having the ability NOT discipline our time. or paying attention to driving as a singular, uninterrupted activity.

Lately a well known car warranty company had been bombarding us with famous people (who are ALL rich) being paid bookoos of money to lie to us, with testimonials and statements from a former female race car driver saying "Why not let this warranty company pay for your car repairs?"!

All the while, the tiny print disclaimers on these warranty contracts insure that, like casinos, the house wins, and the hapless person loses... again, in the long game. Oh, they let people win one occasionally, but, that's similar to giving Fido treats to manipulate his behavior! There! Is that cynical enough?!

If only I coulda figured all this out when I was 20. Youth is wasted on the young.

 

[Marshall]

The issue I have with the language is that they could always state the breakdown was due to wear and tear and then not cover it. Sure I could easily pay for a new motor or transmission out of pocket but I really don't want to, I'd prefer a warranty that covers me for that. However, if that warranty is just going to tell me to **** off then I'd rather hold my cash and risk it I guess...

I don't think wear and tear is ever covered on any warranty , Drive like a idiot ,you pay.
If something breaks in normal use, then that's covered, why tires and belts are not usally covered.

I know of one case, back a few yrs now, new chev Van , lady hit a curb or? and bent the oil filter, it leaked all the oil out over 2 weeks, the red money light came on, but she did not know what the light was for , so she drove till motor died. It did pretty good I thought, 2 weeks it took her to kill it.
She paid for the new motor. Stupid can be expensive. Lawyers cost as well.

 

[Marshall]

Re insurance, My house value, replacement value is about 2x what the market value is on it here.
In Van, Tronto , it may be worth 2 or 3 Mil, but don't mean a thing in SW Sask.
I Could afford to rebuild if I did not pay for insurance, but at my age I an't taking the chance.

When I was paying for my farm and kids where young I payed for crop insurance, used it some in the 1970, and 1980 , but after a while I did not bother as I could get by with a poor crop or 2.

I believe in all the years I paid for fire/ damage insurance , I claimed a set of shop doors.
Can you afford a new motor, if so don't buy extra insurance. For years I paid for extra insurance on windshields, as lots of gravel roads, It likely did not pay, but it was a tax write off on the trucks.

In 70 years I have never needed warranty on a motor , ot transmission.

 

[turkeybird56]

IMHO maxcare worth it if U need it but U need a good dealership to push it through. It took me 2 years 21 days to get a new E fan for my ram.
It was initially ordered in February 2022 on backorder unknown when it was coming in
In 2023 I went to my local dealer not my dealer. I had some issues that I had to get addressed on my truck and I did not think it would make it an hour hour and a half away to my dealership anyway the local dealer fixed my truck with the problems I had and flashed a bunch of BCM modules, which of course open up other issues.
The local dealership also determined my E fan was bad and tried to push it through Max care and Max care refused and they wouldn’t fight for me, but they did tell me if I paid them over $1200 they would order and put in a new fan on the truck I’m like no
So fast-forward one year and I call my service advisor at my dealership and say Brad, where is my dang fan?
So he tells me they finally fired the parts manager and the service manager and re-hired a new parts and service manager. He brought up the issues with my fan and it not being replaced for two years don’t you know that night they got the new fan ordered and it came in in 21 days and got installed on the truck and they even covered the $100 deductible for me.
Only two years in 21 days, but it took all that jumping through hoops to get it done so it really in my opinion depends upon how good your Dealership is
All above IMHO only.

 

[Dean2]

TB That is kind of my point. On top of what you paid for the warranty, 2 plus years of screwing around for a few hundred dollars. Not even close to the cost of the warranty.

My version, pay for the repair, get it done now, be able to choose who does it. Cash talks, no need to have someone else go to bat for you. My time is worth WAY, WAY more than a few hundred bucks. A couple of days work, I can pay for a new motor, why would I want to waste two days time fighting with morons for the price of nearly nothing.

 

[Grams]

So I'm really looking seriously at an extended warranty but reading through the contracts I've seen I keep seeing language that makes me question whether these warranties actually cover anything.
This one in particular is only a drivetrain warranty;

Definitions..
Mechanical Breakdown: The inability of any covered part(s) or component(s) to perform the function(s) for which it was designed due to defects in material or
workmanship. The manufacturer has established tolerances for the express purpose of defining mechanical breakdown and serviceability; when specifications exceed
these manufacturer’s tolerances, a mechanical breakdown will be considered to have occurred.

This Agreement does not provide coverage for:
1. Reimbursement for any repair or replacement made without prior authorization from Administrator to Licensed Repair Facility.
2. Any repair for the purpose of correcting engine compression, correcting oil consumption, or the gradual reduction of performance when a Mechanical
Breakdown has not occurred. Valve grinding, burnt valves, stuck valves, burnt piston, and/orstuck rings are not covered.
3. Damage caused by pre-ignition detonation, pinging, improper/contaminated fuel, excessive fuel conditions, lean fuel conditions, clogged fuel injectors,
improper lubricants or improper engine adjustments. Any Mechanical Breakdown caused by failure to maintain proper levels of lubrication, lubricant
blockage, coolant blockage, lack of lubrication, or carbon buildup in cylinders.
4. Loss of time, expense, storage charges, loss of use of Vehicle, loss of profits, loss of income, or other consequential damages, including, but not limited to
loss or damage or injury to persons or property resulting from Mechanical Breakdown of any of the covered parts.
5. Any repair that has been misdiagnosed by the Licensed Repair Facility, any failure that cannot be verified as accurate or is found to be inaccurate, or any
failure related to a previousrepair.
6. Accidental loss or damage, physical damage, collision or upset, falling missiles or objects, fire, theft, larceny, hail, explosion, lightning, earthquake,
windstorm, water, flood, malicious mischief, vandalism, riot, civil commotion, negligence, or misuse.
7. Any Mechanical Breakdown caused by rust, residue, electrolysis or corrosion.
8. Nuts, bolts, or fasteners unless internally lubricated.
9. Any pre-existing condition, any component(s) that were not functioning properly at the time the Vehicle was delivered to the Agreement Holder, or
failures which occurred prior to the Effective Date of this Agreement.
10. Repairsto seized or damaged parts due to operation withoutsufficient oil or coolant.
11. Engine block and cylinder heads if damaged by overheating, freezing, or warpage.
12. Any Vehicle that has been issued a restricted title, including but not limited to: salvage/refundable, salvage theft, assembled, dismantled, scrap, fire,
flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only, or if said vehicle is declared a “lemon.”
13. A Mechanical Breakdown of a covered component/part caused by an Agreement Holder’s refusal to perform reasonable repairs recommended by the
dealer, Licensed Repair Facility, orAdministrator.
14. Damage to a non-covered part by a covered part is also excluded.
15. Replacement of maintenance items. Spark plugs, glow plugs, PCV valves, PCV system, filters, lubricants, thermostat housing, thermostats, alignments,
coolants, batteries (except for high-voltage drive batteries used in vehicles powered solely by an electric motor), battery cable, fuses, hoses, belts, tires,
wheels, wheel covers, tire pressure sensors, light bulbs,sealed beams, light assemblies, LED lighting, lenses, seat belt systems, exhaust systems /catalytic
converters, brake rotors, brake drums, brake shoes, brake pads, speakers, upholstery, paint, glass, trim, moldings, weather strip/seals, door handles, lift
gate handles, tailgate handles, door bushings / bearings, body panels, frame/body bushings, sheet metal, bumpers, frames, sub-frames, brackets,
convertible top assemblies, vinyl top, rust, corrosion, water intrusion, water damage, water leaks, air leaks, carburetors, manual clutch system,
programming, reprogramming, or updating a component that has not mechanically failed. Any equipment not installed by the manufacturer.
16. Commercial Use Vehicles (unless Commercial Use Option has been selected and paid for by the Agreement Holder).
17. Snow Removal Equipment, and/or Vehicles using Snow Removal Equipment.
18. Any Vehicle modified or altered from original manufacturerspecification not approved by the manufacturer. Any alterations made to YourVehicle or You
are using Your Vehicle in a manner not recommended by the manufacturer including but not limited to: Failure of any custom or add-on part, all frame or
suspension modifications, lift kits (unless appropriate lift kit option is indicated on Application Page), any tire that is not recommended by the original

VSC-PREOWNED AB Rev. 08-2019 Page 7 of 11
manufacturer, emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications.
Conversion van components, and conversion vehicle components.
19. Diagnostic or tear down time when a Mechanical Breakdown is not covered by the Agreement. Any cost incurred for disassembly or diagnosis is at Your
expense if the inspection determines that the Mechanical Breakdown was not caused by the failure of a part covered by this Agreement.
20. Mechanical Breakdown or failure costs that should be covered by a manufacturer’s warranty, recall, factory bulletin, or any other mechanical breakdown
coverage. Mechanical Breakdown or failure costs that are covered by the warranty of parts or workmanship on a previously repaired or replaced
component.
21. Any Mechanical Breakdown or failure occurring outside of the United States or Canada.
22. Shop supplies or fees for items such as, but not limited to, shop towels, cleaners, silicone spray, brake cleaner, or disposal fees for oil or filters.
Maybe it's just me but it seems like this only covers breakdowns caused by defects and all these clauses gets them out of covering breakdowns, am I wrong?

My friend,…. the reason the OEM warranty is offered on New Vehicles is to provide reassurance that “materials and workmanship” is good…so you will buy the vehicle. (After 3 yrs/36K miles it can probably be said that the materials and workmanship were fine.)

The disclaimers on the EW you have posted…. decline to pay for anything else….. and you’ve already got coverage for materials and workmanship…. sooo…. I think you’ll have More Fun watching your money swirl-around in a circle before it goes down the toilet….than you will ever benefit by that particular extended “warranty”.

If you really Really REALLY want an “extended warranty”….then buy one from Mopar and ONLY MOPAR.

Otherwise… Self-Insure, and keep that money invested where it will Earn a Return for you until you need it.

2-cents

 

[turkeybird56]

TB That is kind of my point. On top of what you paid for the warranty, 2 plus years of screwing around for a few hundred dollars. Not even close to the cost of the warranty.

My version, pay for the repair, get it done now, be able to choose who does it. Cash talks, no need to have someone else go to bat for you. My time is worth WAY, WAY more than a few hundred bucks. A couple of days work, I can pay for a new motor, why would I want to waste two days time fighting with morons for the price of nearly nothing.

The problem was not sooo much any particular item. When ordered, it was on Backorder and NO fulfillment date. The biggest thing is: IF U have a Good Dealership that wants your bizness and good people, that HELPS a heck of a lot. I've also had my rear backlite replaced under warranty extension, so even though I am behind, as to what paid vs value, it is OK. A lil piece of mind does help, BUT Dean2 for sure, you have a valid point. EVEN when I was working, the thought of say a weeks pay to cover a motor, ahhh, no, more like a Month of pay or more, roflmao.

 

[GeneM]

Thanks for the responses, I've decided to roll the bones and hold onto my $$$..

 

[Dean2]

Come back in a year and update us on how it went. Dollars to donuts, you are going to be happy you saved your money.

Thanks for the responses, I've decided to roll the bones and hold onto my $$$..

 

[Sherman Bird]

So I'm really looking seriously at an extended warranty but reading through the contracts I've seen I keep seeing language that makes me question whether these warranties actually cover anything.
This one in particular is only a drivetrain warranty;

Definitions..
Mechanical Breakdown: The inability of any covered part(s) or component(s) to perform the function(s) for which it was designed due to defects in material or
workmanship. The manufacturer has established tolerances for the express purpose of defining mechanical breakdown and serviceability; when specifications exceed
these manufacturer’s tolerances, a mechanical breakdown will be considered to have occurred.

This Agreement does not provide coverage for:
1. Reimbursement for any repair or replacement made without prior authorization from Administrator to Licensed Repair Facility.
2. Any repair for the purpose of correcting engine compression, correcting oil consumption, or the gradual reduction of performance when a Mechanical
Breakdown has not occurred. Valve grinding, burnt valves, stuck valves, burnt piston, and/orstuck rings are not covered.
3. Damage caused by pre-ignition detonation, pinging, improper/contaminated fuel, excessive fuel conditions, lean fuel conditions, clogged fuel injectors,
improper lubricants or improper engine adjustments. Any Mechanical Breakdown caused by failure to maintain proper levels of lubrication, lubricant
blockage, coolant blockage, lack of lubrication, or carbon buildup in cylinders.
4. Loss of time, expense, storage charges, loss of use of Vehicle, loss of profits, loss of income, or other consequential damages, including, but not limited to
loss or damage or injury to persons or property resulting from Mechanical Breakdown of any of the covered parts.
5. Any repair that has been misdiagnosed by the Licensed Repair Facility, any failure that cannot be verified as accurate or is found to be inaccurate, or any
failure related to a previousrepair.
6. Accidental loss or damage, physical damage, collision or upset, falling missiles or objects, fire, theft, larceny, hail, explosion, lightning, earthquake,
windstorm, water, flood, malicious mischief, vandalism, riot, civil commotion, negligence, or misuse.
7. Any Mechanical Breakdown caused by rust, residue, electrolysis or corrosion.
8. Nuts, bolts, or fasteners unless internally lubricated.
9. Any pre-existing condition, any component(s) that were not functioning properly at the time the Vehicle was delivered to the Agreement Holder, or
failures which occurred prior to the Effective Date of this Agreement.
10. Repairsto seized or damaged parts due to operation withoutsufficient oil or coolant.
11. Engine block and cylinder heads if damaged by overheating, freezing, or warpage.
12. Any Vehicle that has been issued a restricted title, including but not limited to: salvage/refundable, salvage theft, assembled, dismantled, scrap, fire,
flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only, or if said vehicle is declared a “lemon.”
13. A Mechanical Breakdown of a covered component/part caused by an Agreement Holder’s refusal to perform reasonable repairs recommended by the
dealer, Licensed Repair Facility, orAdministrator.
14. Damage to a non-covered part by a covered part is also excluded.
15. Replacement of maintenance items. Spark plugs, glow plugs, PCV valves, PCV system, filters, lubricants, thermostat housing, thermostats, alignments,
coolants, batteries (except for high-voltage drive batteries used in vehicles powered solely by an electric motor), battery cable, fuses, hoses, belts, tires,
wheels, wheel covers, tire pressure sensors, light bulbs,sealed beams, light assemblies, LED lighting, lenses, seat belt systems, exhaust systems /catalytic
converters, brake rotors, brake drums, brake shoes, brake pads, speakers, upholstery, paint, glass, trim, moldings, weather strip/seals, door handles, lift
gate handles, tailgate handles, door bushings / bearings, body panels, frame/body bushings, sheet metal, bumpers, frames, sub-frames, brackets,
convertible top assemblies, vinyl top, rust, corrosion, water intrusion, water damage, water leaks, air leaks, carburetors, manual clutch system,
programming, reprogramming, or updating a component that has not mechanically failed. Any equipment not installed by the manufacturer.
16. Commercial Use Vehicles (unless Commercial Use Option has been selected and paid for by the Agreement Holder).
17. Snow Removal Equipment, and/or Vehicles using Snow Removal Equipment.
18. Any Vehicle modified or altered from original manufacturerspecification not approved by the manufacturer. Any alterations made to YourVehicle or You
are using Your Vehicle in a manner not recommended by the manufacturer including but not limited to: Failure of any custom or add-on part, all frame or
suspension modifications, lift kits (unless appropriate lift kit option is indicated on Application Page), any tire that is not recommended by the original

VSC-PREOWNED AB Rev. 08-2019 Page 7 of 11
manufacturer, emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications.
Conversion van components, and conversion vehicle components.
19. Diagnostic or tear down time when a Mechanical Breakdown is not covered by the Agreement. Any cost incurred for disassembly or diagnosis is at Your
expense if the inspection determines that the Mechanical Breakdown was not caused by the failure of a part covered by this Agreement.
20. Mechanical Breakdown or failure costs that should be covered by a manufacturer’s warranty, recall, factory bulletin, or any other mechanical breakdown
coverage. Mechanical Breakdown or failure costs that are covered by the warranty of parts or workmanship on a previously repaired or replaced
component.
21. Any Mechanical Breakdown or failure occurring outside of the United States or Canada.
22. Shop supplies or fees for items such as, but not limited to, shop towels, cleaners, silicone spray, brake cleaner, or disposal fees for oil or filters.
Maybe it's just me but it seems like this only covers breakdowns caused by defects and all these clauses gets them out of covering breakdowns, am I wrong?

You must have taken a smart pill!