Let’s start off by saying if you read the title of the thread you pretty much know what I’m going to be talking about. First thing this morning I stumped my toe on the couch post, which caused my toe to bruise and hurt. I think I might have broken it, oh well! I then continued to go to work. I decided to stop by the Ford dealership to see how much it would cost for certain maintenance to my truck (2003 F-250 CC 4x4 6.0). Oh did I mention that my truck was already at the Ford dealership for a coolant leak. I brought the truck first thing Friday morning to have them check it out. I was losing gallons of coolant possibly from the egr cooler. I haven’t heard from them yet, so I figured I go by and check on what they discovered. The dealership said they would call me to let me know if my extended warranty was going to cover the expenses before they proceeded. Well when I arrived I waited to talk to the service tech that I spoke to the first time. He recognized my face and told me that the extended warranty was not going to cover the cost of the repair. He stated that I need to repair my oil cooler, egr cooler, and egr valve. He showed me the bill I was like WTF! The service tech stated that he was reading the list of problems to the warranty spokesperson and the warranty person interrupted him while he mentioned that the egr valve was coked with oil residue. The warranty spokesperson stated that they won’t cover the repair because of the oil on the egr valve. WTF! The service tech stated the warranty spokesperson stated that they will cover a motor for the cooling blow: part # FOXC3Z-19805-CA worth $118.53 for my air conditioner and labor for it which was another problem I told them about. Wow that’s great I said especially after the $100.00 deductible. The service tech stated to me that the result of oil residue on the EGR valve is from the failure of the oil cooler 1st then the EGR cooler 2nd. So basically he stated that the main cause is the Oil cooler failing which is covered. He told me he tried to explain that to the warranty spokesperson, but they wouldn’t listen. Now I’m in a hole, I have a bill of over $3000.00 for parts and labor to get my truck up and running again. I purchased an extended warranty from a company that doesn’t want to pay for repairs that should be covered. There has been no neglect to the truck for maintenance by me. I just purchased the truck a couple of months ago and the dealer stated everything was fine and everything was fine until I noticed I had a leak. I tried to get it fixed as soon as I noticed the leak and this is what I get. I never had any codes or white smoke, so I thought if I brought it in now maybe just an oil cooler failure and EGR cooler failure and I was right it was both. However I did not think that my premium $1500.00 extra over the payment of my truck warranty would go as far as to chicken s@#t out of the claim. Oh yeah my air conditioner on my work vehicle was cutting in and out today so I was sweating my @#$ off in my company vehicle, now I have to get that fixed.
P.S. I will be calling the extended warranty company tomorrow to try to resolve this problem. Has anyone had a problem like this before? I’m sure someone has, maybe not the same situation, but closely related. Does anyone have any suggestions? Am I going in the right direction?
Thanks, Josh

 

Stay civil with the warranty company and request a written policy that states their reason for not covering your repair. I'm sure they will test your patience so you'll have to be prepared to be without your truck. A rental may buy you some time.

I'm assuming this company your referring to is not a Ford ESP plan. If not lesson learned for next time!

 

I see this EVERY DAY. I feel bad for the customer, but I think its pretty common knowledge that a ESP from anyone besides the factory is a RIPOFF. I see hundreds of times in a months time, and 99.9% of the time the claim is denied no matter the situation.

I feel like a repeating machine, but Im gonna say it again. NEVER NEVER NEVER NEVER NEVER BUY AN AFTERMARKET WARRANTY. You should be able to cancel the warranty, get a prorated refund.

 

I have said the same thing over and over timm i bleed... Its been posted all over this board I know about 12 times by me alone.

 

Ya, the other 12 were by me!

 

It doesn't make sense, to me, that an ESP provider would dispute what a professionally trained and certified Ford Diesel Tech states is factually "cause and effect" of your truck's problem. What is the name of the provider. Thank God that I have a Ford ESP (which is expiring this October). But I would like to make a mental note to NEVER use the company that is causing you so much grief. Please share the name of the company.

BTW, how's the toe? That's a bugger, I know from experience. You'll probably bump it again before the weeks out, sorry to say.

 

I talked to an Sherman, Andrea from the Automobile Protection Corporation aka EasyCare today. I stated to her that about the situation I'm in and what the service tech stated. She stated that it's not covered because it wasn't a mechanical breakdown. But the air conditioner motor was cover as well as labor and tax: $118.53 cooling motor, $37.50 labor, and tax. After I pay a $100 deductible wow they get off paying $56.03 plus tax. Now I'm stuck paying out of pocket $3057.31. The toe is purple right now looks like someone beat the S#$% out of it with their fist. Thanks for asking and I hope I don't bump it again. I wish I knew about this site months before I purchased the truck things would have been alot easier.

 

I couldn't agree more with everything that was just quoted.

Sorry to stray off topic a little. But I just had a situation where a 1997 F-150 4.2L V6 truck was brought in, smoking like a chimney. If I were to guess, I would say the intake gaskets failed, causing the engine oil to look like milkshake. This poor kid had just bought this truck one month prior (by financing too, on top of that). Apparently this "dealer" also worked in a "warranty" package into the financing. As soon as the advisor called up the "warranty" company, he was promptly informed that the truck is not allowed to be repaired at any dealership, or any shop for that matter. It was only authorized to be repaired at a "select list" of repair facilities. Long story short, the truck got towed to another "authorized" shop where the "warranty" company quickly determined that they weren't going to cover the repair needed. So now, this poor kid is stuck making payments on a truck that he can't use, and a so-called "warranty" that is as good as toilet paper.

 

sorrey to here that you aint kidden bad day. i bought a AM warrenty to. my truck to went in to get the alternator fixed called the insurance company come to find out they went bancrupt and it was the state on the phone taking note of all the calls for when it went to court i was informed that they were not paying anything on the claims and since they didnt get to autheriz the repair they were not going to cover it anyway since i had told ford to put one on the truck. i guess they wanted to be the first ones to autherize the repair. i guess my point is they screw you any way they can. so i decided to learn as much as i could and make my own repairs and never ever pay for an after market warrenty again. thank god i found this site

 

The ONLY aftermarket warranty that I have had good luck with is a company called CNA. It pays just about as good as a factory esp. But this is in the GM world, cant say how they would do with the 6.0

 

OK for what this is worth I would call back and ask for a manager. I would then explain to the manager that an oil cooler is an internally lubracated part that has restricted flow which is what has caused the egr cooler wich is internaly cooled by the cooling system wich is part of the engine to fail. refer them to read tsb 09-08-03. explain to them that ford's esp cover this failer and have them expain why they can not.
also very important no matter what be polite... remember everyone that calls them is mad.

 

Bottom line for future buyers of extended warranties! If you can't get the Ford esp, save the money for the repairs. jmho!

 

I had an aftermarket service warrenty for my Bronco. The engine went out on it and they refused to pay. I took them to small claims court and got back $2000. I had to pay up front but I got it back. Check your local small claims court.

 

I agree with everyone else about aftermarket warranties being garbage. The worst thing is I bought one when I bought my truck. I financed the truck and the bank wouldnt give me the loan unless I bought the aftermarket warranty. The other crappy thing is I am a mechanic and will never ever use the aftermarket warranty.

Do you know if most aftermarket warranties offer this? I am going to look into it and hopefully I can cancel my warranty and get some money back. I have only used 1 year out of 5.

 

Cant say for sure. I have heard of some people doing so. I did this with a GMPP warranty (GM's extended warranty) on my Envoy that I had. I know if you have ever filed a claim your out of luck for sure. I guess if I were you it would be worth looking into?