Even though ford denies warranty because there is water present, does not mean they supply you with a legal document regarding their findings.

Car companies tick me off with that.

 

Aren't all HPFP failures still failures?

 

Rick, I'm not sure that I understand the question.

As you probably know, I have been a member (bought my truck) since 9/10 and you did influence the decision to purchase it. As did Epic and others.

I HATE what happened to you (and Deb). I know how loyal you were to the brand.

You were lucky enough to pay the deductible and "still" be driving the truck.

I'll copy and paste my PM to the OP and I think that you will better understand my position - which is - Why screw the current owners by.........

 

I was just asking why you referenced the two incidents you did as the "worse" HPFP failure events. I was curious as to what made them worse than the others. It really was an honest and sincere request.

Me, lucky, that's a good one. I guess if you compare $650 in out of pocket expenses and the loss of the use of the truck for 2 months to $10,000 and not being able to get it fixed until who knows when, it may appear lucky that the insurance company covered their legal obligation to repair the accidental damage under the purchased comprehensive damage section of my insurance policy...but I would have been much luckier if Ford would have treated the HPFP failure in the same manner as every other Bosch CP4 series manufacturer has handled their HPFP failures...they warranty theirs with no hassles...

Regards

 

Sorry that I didn't answer your question.

I really don't think that it is prudent to drag out the discussion, there will be no answer that satisfies you.

How about we just leave it as....... I don't know what I am talking about and you are a victim. All is good.

 

just called my insurance company (progressive) and they do not have MBI (mechanical breakdown insurance) aka does not cover "bad fuel" related issues. Called allstate as i read on here they do offer it. They "no longer" offer that type of insurance either. grrrr

 

Tux, that's weird as I checked only a month ago...how did you word the question?

Sometimes that makes a big difference.

Don't tell me they have all been burned by Ford already and are adjusting accordingly.

If so where does that leave the poor customers?

I have to admit that I just filled out the customer (un) satisfaction survey this weekend and I was not so kind with my responses, as I am really disappointed with what appears to be a total disregard for customer service, and am still awaiting some kind of communication from them wanting to understand why I am so dissatisfied.

Maybe the lack of response answers the question...they really do not care

 

Well in this case its not a matter of wording, its cut and dry. They no longer offer mechanical breakdown insurance aka MBI. Which is what would cover parts and labor of mechanical failures of any sort. Such as hpfp. Gieco however is very proud of thier MBI. Its all over their website
Just google geico mbi. Just got a quote from them and i am switching as soon as i get my truck. Hopefully in the next week or so

 

When I called Allstate I asked if got a bad tank of fuel and it caused an engine failure would it be covered and the answer was yes "Under Comprehensive" was the answer. So as long as ford classifies it as fuel contamination (which could be water etc.) it would be covered by comprehensive. No need for MBI.

Thats why I asked because I thought you may have been a bit too specific with your question...

 

You have to be specific......if and when IT happens....your insurance company will be VERY specific. Also checking with many carriers, comprehensive is NOT a "cover all" thing.
You can do as you wish, but i would certianly get specific with your company.......it will only HELP you in the event IT happens. Better to be safe than $10,000. Sorry!

 

I work with insurance companies for a living. the best advice I can give is to go with a smaller insurance company. the big boys like state farm, all state, farmers etc, are very inflexible in how they handle claims. a smaller insurance company typically will approach it from how can we get it covered vs how can we not cover it. believe me there is a big difference in approach.

from an insurance point of view if you tell them will you cover and HPFP failure on its face thats a repair issue no, no company will cover that. if the problem COULD be traced back to vandalism or something of that nature then you have coverage. it really depends on how you approach the claims office with this as to if it gets covered. if you tell them ford should be paying but they are not and list all of ricatics issues as part of your case then your probably not going to get covered. I have also seen some companies cover thing where the cause could not be found.

 

So in the end though, even though you're insurance might cover a massive failure if you can prove it was caused by vandalism, how does that leave the average person?

If someone dumped a gallon of water in the fuel tank, you could drive around, get a water in fuel light, and by the time you pull over it could be too late. You would never know it was vandalism to begin with.

Getting any legal document from ford, for example them stating that water caused a failure, is wishy washy and hard. I've head of this happening a few times, usually if you can get ANYTHING from them, its worded like such:

"As the truck appears to be modified with aftermarket parts, we are unable to honour warranty on the customers transmission failure. It is likely, but not conclusive, that the aftermarket suspension installed by the owner caused mechanical stress on the transmission, which could have caused the damage. "

And what you'd need, but will never get:

"After an investigation by our mechanics, we have determined that you're failure was caused by the skyjacker suspension system installed by a 3rd party. Without doubt, the aftermarket suspension system is solely responsible for the damage incurred on this vehicle."

Never ever.

I don't think it's fair to deny warranty, yet reserve legal or technical opinions about what damaged you're vehicle, but I guess its all the legal stuff.

So my question is, how do you get anyone to be accountable for something that can be thrown back and forth so easy?
Did the truck ingest water?
Did the WIF detector fail?
Did any water already burn out of the truck, leaving minimal evidence?
Did ford void a warranty by mistake?
Did ford fuel filtration system fail?
Did a dealer falsely or incompletely report tear down findings?

These are all very tough questions to answer, after the fact.

I think ford should have a VERY good WIF sensor jest before the HPFP, which shuts down the engine if water ever makes it there, because that means the primary system has failed. This way it would be there problem, without a squabble, if the HPFP fails under warranty. Also would also prevent from water based disasters after warranty also.
It really seems like they don't care about customers shelling out big cash for a little mistake.

 

Called Geico this afternoon. 800-443-7411 push for option #3, this will connect you to the MBI specialist. I live in Texas so this is specific to my home state. The coverage is an extra $5-10 mo dependent on some variables. There is a $250 deductible. They market this as an after-market warranty. To qualify the vehicle must be less than 15 mo's old and have less than 15k miles. The vehicle can be repaired at any licensed repair shop. They cover "all things mechanical". I asked about chassis components and he said they are covered as are electrical items such as power-windows etc.I specifically asked about the HPFP and the guy I spoke with said he was familiar with the issue as "Ford seemed to be denying alot of warranty claims for water in the fuel." His words not mine. He also mentioned they had replaced alot of EGR valves on Fords, I am not familiar with this issue. He was very direct in stating he was aware of the HPFP issue and that it would be covered. He did say that Geico has the right to inspect the vehicle prior to repair and if they verified a true fuel contamination issue i.e. water in the fuel by having an independent lab test the fuel, the repair would be under the comprehensive portion of the policy rather than the MBI portion. This would be based on Geico's investigation not Ford's evaluation.. Either way it would be covered. In addition Geico could ask for proof of routine maintenance such as oil changes etc. Not that a dealer has to do them but if your engine blows and you have sludge for oil your probably on your own. The coverage is for 100k regardless of age of vehicle.. He advised they have had this coverage for 15 yrs and they are the only ins. co. that does this. I don't know about this as I have only checked my company which does not and Geico. Guess me and the Lizard are gonna be business partners.

 

...now there is a post that tells an interesting story...thanks or posting

Regards

 

We switched to Geico a month ago, because we verified that with the mechanical breakdown coverage, the HPFP would be covered....Hopefully we will never need it.