Ultimate Warranty review: Ultimate Warranty corporation is a huge scam! 74

Dayna Dean has stated things that are not true.

If she has a bone to pick with Auto Knight, she can email me or call me.

Auto Knight did not know anything about Ultimates financial situation.

I believe Dana Dean to be hiding under a false name, obviously just another coward with a voice.

I have had my warrenty from Ultimate warrenty company for about 4 years. Pretty much the same thing as everyone is saying. I have had 2 claims in the past and they were great paid my repair shop directly no money out of my pocket. I Brought it in on 11/13/07 and all the sudden they were not paying the shop directly and would rembuirse me for the service. I have been trying to get a hold of the company for the last month heard nothing. I called the 800 number today and to my suprise got throught right away. After having the person check my claim. Once she had all my info up i was told she did not work for Ultimate warrenty Company She worked for some insurance company named something like TPA risk management. She said they are waiting for funds to come in and at that time checks will go out. I dont know what to really think about that. If anyone has any new info please post it.

I have knowledge on the Roadside Assistance program that runs through Ultimate Warranty. Jeff Rizzo the owner of the roadside company Auto Knight has known for well over six months that the warranty company was going out of business and has decide not to provide his part of this contract as well-but before all this the powers that be made sure to take extreme vacations and golf trips, all the while knowing that this was going to happen.

Mr. Rizzo has a policy of trying to get out of the contracts 150 mile clause and delays customer reimbursements for months

They are all the same and leaves people feeling stupid-if it sound to good to be true...

After my claim was denied I looked further into everything. You can call this guy Vinny Miller at [protected] or [protected]. He is handling the business for the state of South Carolina.

I hope he is more helpful for others then he was for my family.

Mark
UT

ULTIMATE WARRANTY AT ONE TIME WAS A CLASS ACT,

APPARANTLY THEY ARE TRYING TO GET ORGAINIZED BY THE LOOKS OF THINGS ON THE SOUTH CAROLINA WEB SITE. CHARLES PERRY APEARS TO BE THE CONTACT PERSON.

ALSO THERE IS ANOTHER INSURANCE INSURANCE COMPANY INVOLVED , THAT IS ALSO RESPOSIBLE FOR PAYMENT OF CLAIMS , AMERICAN RESOURCE INSURANCE COMPANY IN ALABAMA . 1.800.826.6570 M.BRADY

I HAVE HAD 3 ULTIMATE CONTRACTS AND GOTTEN MONEYS WORTH OUT OF THEM ALL.

Russell Lashbrook of Waseca, shown in Owatonna, bought a $1,600 warranty with his Dodge Durango. But he brought the vehicle in for service recently and found that Ohio-based Ultimate Warranty, the firm he had bought the warranty from, was out of business. Its unpaid claims could reach $48 million.

By H.J. CUMMINS, Star Tribune
Last year, Russell Lashbrook paid $1,600 for a four-year warranty on the used Dodge Durango he was buying. But as the Waseca, Minn., resident discovered last Friday when his "check engine" light came on and he took the SUV in for repair, the warranty is already worthless.

Some 137,000 people across the United States and Canada -- including more than 11,000 Minnesotans such as Lashbrook -- may be holding worthless car warranties from Ultimate Warranty Corp. The Ohio-based company has all but disappeared, leaving $15,000 in a loss fund to cover an expected $48 million in claims, according to South Carolina regulators who are investigating the company.

Its nationwide collapse has come with a new twist, as officials handling it plan to ask car dealers who sold the warranties to cover the repair claims themselves. That's because dealers pocket from one-tenth to more than half of every premium they sell, said Doug Hartz at the South Carolina Department of Insurance, which got involved because South Carolina is home to the company on the hook to insure Ultimate Warranty.

In the meantime, some of Hartz's staff are at Ultimate Warranty's headquarters, answering calls from car dealers and warranty holders, although there aren't many answers yet, he said.

In Minnesota, Ultimate Warranty ignored a ban to do business in this state, said Bill Walsh, spokesman for the Minnesota Department of Commerce. It has a long and public record with the department, he said.

Minnesota denied it a license to sell here in 2002, for lack of adequate capital. Enforcers then discovered it selling here anyway in 2004, so they issued a cease-and-desist order and fined it $2,000.

Out of cash

The bulk of Ultimate Warranty's business is used-car extended warranties for which customers paid up to $2,000, Hartz said.

"It would appear that Ultimate has run out of cash entirely," Hartz said.

On Oct. 2, the company filed a claim with its insurer, the Capital Assurance Risk Retention Group, to cover the warranties, some of which run into 2017. The size of that claim could collapse Capital Assurance, too, which prompted South Carolina insurance regulators to put it in receivership, a process similar to a bankruptcy.

With Ultimate Warranty essentially out of the picture, the fate of its warranties is now tied to that of Capital Assurance.

If the insurer is liquidated, the customers of Ultimate Warranty will be very low on a list of people making claims on any assets -- a process that also could take years.

Hartz, who is heading South Carolina's efforts, said it's possible to avoid that with the help of others involved in the warranty sales.

"What we need is a commitment from most of the dealers, agents and finance companies to cover the consumers' repair costs and complaints," he said. "They should recognize that it's better for everybody that these people can get their cars repaired."

To encourage their cooperation, Hartz promises that, if it comes to liquidation, letters will go out to all warranty holders with the names of their auto dealers, warranty sales agents and any finance companies -- and what slice of their warranty premiums went to each one.

If Capital Assurance emerges with assets, dealers and others who pay these claims eventually can file for reimbursement, Hartz said.

It's a new approach, said Walsh at the Commerce Department.

"Nobody here could remember an attempt like that," he said.

Still Walsh questioned why dealers didn't check with the Commerce Department before selling Ultimate Warranty contracts, given its ban on doing business here.

Scott Lambert, executive vice president of the Minnesota Auto Dealers Association, wasn't keen on South Carolina's approach.

"Car dealers will work to satisfy their customers," Lambert said. "But from what I could gather, it's the South Carolina Department of Insurance that has egg on their face, so I'm not sure that threatening letters are appropriate."

'We want to do something'Lashbrook's dealer offered to meet him halfway.

Car Time of Owatonna, where he bought the Durango, said it would cover half of any repairs.

Dealership co-owner Dean Maher said the company will offer discounts to any of its 100 to 150 customers with Ultimate warranties.

"We've got to do something; we want to do something," Maher said. "Some people bought two or three trucks or cars from us."

Lashbrook's repair turned out to be a small one, so he paid for it, he said. But even half of a new transmission would be more than he can afford if it came to that -- especially since he folded his extended warranty into his car loan, which means he's still paying for it.

He just wished he'd known before his truck broke down. "Why wasn't anybody told?" he said. "People are walking around out there with worthless warranties, and they don't know it."

I have recently I have recently experienced the same problems that others are describing. I had my vehicle in for repair on 11/12/07. The dealership received authorization to perform repair and when it came time to submit the claim they were told all claim would be paid to contract holder and would no longer provide payment via credit card. The service department has asked me to contact them in an attempt to get payment but it looks like that may not happen from what I have read. I will admit that when I had my vehicle in for repair about a year ago it went very smooth (other than the fact that there were charges not covered by the warranty that came out of pocket – took me by surprise at the time, more educated in regards to this whole extended warranty game now). I guess I am fortunate that they released my vehicle with me paying what I was responsible for and they were going to follow up to receive payment, little did they know this was going on. In regards to the class action lawsuits discussed in prior comments, if one was going to be brought forth I will gladly participate.

My experience with Ultimate is that my car is always in the shop for something and they always are refusing to fix anything and I have the platinum protection. Then when my engine blew they told me that they will be able to fix it so we towed it down there to find out later that ultimate warranty is no longer around and the new company will not fix it because there was no funds available and I would have to wait in line. And I too have a contract with them that has just a 50 dollar deductible So now I have a car outside my house that I pay a car payment for that I cant drive because I cant afforded 5,000 so yes class action suit I think so.

I'm in the same boat. I have owned it about 15 months, and this is my first claim. I paid about $3,000 for the plan.

I have a front right radiator out on a Porsche. Cost is about $855.

First the dealer called, they refused the repair, no explanation.

Then I called, they told me they don't cover corrosion.

Then I looked in detail in my contract, and there is no mention of corrosion. So 3rd call, they start claiming that it isn't a mechanical failure... I'm confused.. how can a radiator fail mechanically? It's a hunk of metal!

The evaluator goes on hold, and then they tell me that it's approved, and tell me to tell the dealer to call them.

So the dealer calls them today, and waits on hold for 30 minutes, and they now tell him that the read the wrong contract, and they refused it (a 2nd time).

So now on my 4th call, I'm stuck on hold for 45 minutes..and found this thread.

Any class action lawsuit? I'm in... if not I'm going in personally!

Thanks.

I purchased the Ultimate warranty just over a year ago and have had 2 bad experiences out of 2. First they would not pay for the dimmer switch (cannot use brights) because they said the code was for the "multi-function" switch. The dealer assures me that there is no way to just replace the dimmer portion of the switch (which does several things, thus the whole "multi-function" name). They did pay for some other work that time, so at least this was not a total scam from the start.

Lately I have a list of very legit items to repair, clearly covered on the lists, and guess what, hours of being on hold and no human answering the service people yet. My warranty had a cancellation clause, can cash out at a pro-rated basis, but at this point I feel they have not supplied the contracted service and would prefer my money back, although I'd be happy to wrap up the current repairs and cash out for partial.

Count me in on any class action. Thanks.

Ultimate Warranty Corp. is defrauding most customers and shops. I paid $1795.00 for their full protection coverage and my Jaguar dealership just told me they failed to pay the bill after it was approved and have ignored their phone calls, and it is either out or going out of business or was a bogus scam to begin with. Now its winter and my car is in need of break repair and I have a 3 year old daughter and the dealer will not accept the job obviously because the warranty will not pay, now I have an unsafe car and no valid warrant to pay for repairs, do these people at Ultimate not care at all about people? Does anyone have any recourse information that I can pursue? I don't know what to do to receive reimbursement for the contract or to get my dealer paid. How do you get in contact with a Lawyer or class action dealing with this issue that could represent me and many others with this same problem Clearly this should be illegal to do to customers and dealers and reneging on their contracts. Please help put together and include me in a class action suit or anything against Ultimate Warranty Corp. Please anyone with helpful knowledge on this issue that could help me in some sort of claims payment or legal recourse please email me.

Hello, I bought a ultimate warranty contract in Sept. of 06, My car lost oil pressure may of 07 and when we tried to file a claim with the company, they sent out an inspector and he stated it was slug build up and not the oil punp. My mechanic tried to show him the oil pump and he still stated it was not the pump. So i ended up buying a new engine on my own. I have even tried to get the company I bought it from and they are putting the blaim on Ulitmate Warranty. During my conversation with the Sales rep. at Smartprice in Provo Utah. He stated the the state of North Carolina had taken control of the company's assets because some one in the company was inbezaling money and the State of North Carolina was filing criminal charges against the company. I would be interested in hearing from anyone about this. The only bonus of this whole thing is I got all my money back that I paid for the warranty after crying law suit.

We have had our van since February of 2006 and have never turned in or needed to turn in a claim until we found out that we had a hole in our gas tank. It wasn't a normal wear and tear item and our mechanic claimed that it should be covered under the warranty. We brought it into the shop and myself, my spouse and my mechanic tried for 2 weeks to finally get through on the customer service number. Since I work like everyone during the day I couldn't sit on hold forever at my job and my mechanic had more than just my vehicle to fix. I thought that it was great that he sat on hold for 50 minutes one day but finally had to hang up to do his job. Finally one day my mechanic got through and they told him that our vehicle had a recall on it for the gas tank. I called down to our Chevy dealer and gave them the vin #. They ran it through and told me there was no recall on my van. I called Ultimate back and they again tried to tell me that there was a recall. I told him no and he said that he had the report in front of him. I told him that I had a report too that said that there was no recall on our van for the gas tank. He put me on hold and ran another report and told me that I was right. Then he needed the mechanic to call back again so they could authorize the part. Then I came to find out that they will only cover JUNKYARD parts which totally pisses me off. Finally my mechanic found a part a month later and it is finally fixed to the tune of around $400.00. The mechanic told me that they told him that WE had to pay for this and they would reimburse us. I know that $400.00 doesn't seem like a lot from some of the previous posts but that is why we had the warranty company to help with this. Money is tight especially around Xmas. So will I ever get reimbursed and the big question is WHEN? And who do I call to keep checking on this? If we have a class action suit count me in.

I have had the same experience. It took almost a month to get my car out of the shop and in order to do it I had to pay the bill and hopefully will get some refurbishment from Ultimate. It took two weeks to finally get the claim approved which was only a portion of the repair. Then after giving an approval Ultimate refused to pay and stated that the funds are being held by the State of South Carolina and until they release the funds they can not pay. I waited another week and finally paid the full bill myself of 1800.00. That has been over two weeks now and I am still being told the funds have not been released.

I am having trouble opening the website for South Carolina Department of Insurance and have tried for the past week to view the site that the Milders refer to above and have not been able to open it. Anyone else having trouble with this site? If so could anyone that has viewed it do a synopsis of what was stated on it. Thanks.

I am in Nevada and I too am having the same issues. Currently my truck is sitting at the repair shop, who has done business with Ultimate in the past with great success. They are sending out an inspector who is supposedly going to see what the issue is. In order for that to happen the shop has to remove the front differential, and if the problem cannot be shown to the inspector, I am out labor for about 6 hours. They also want a $50 deductible, when my contract shows I have no deductible. Ultimate is refusing to pay the shop, only willing to reimburse me.

I have a feeling they are going to be hard to get payment out of and I will immediately go to the AG. This is fraud at a minimum and I would love to be party to any suit.

If anyone knows any business in Reno that still sells an Ultimate warranty, please let me know. I would like them to know just what a piece of trash it really is.

I HAD WORK ON MY VEHICLE DONE ON 9/24/07. THEY TOLD THE MECHANIC HE WOULD BE PAID (314.00) IMMEDIATELY. OF COURSE NOTHING HAS BEEN SENT TO DATE. THE MECHANIC COMPLAINED SO MUCH THAT I PAID HIM SO IF THEY GO UNDER, I AM OUT THE MONEY. THEY ARE AN ABSOLUTE DISGRACE.

Here is a new one for everyone... Ultimate Warranty is done, Capital Assurance has agreed to Rehabilitation and State of South Carolina is holding the funds and the Director of Insurance for South Carolina is now the one releasing any funds. Go to www.doi.sc.gov and read it for yourself. It is three separate documents. We are going to be contacting a class action attorney out of California to see if they can help us on this. We are still without our vehicle and they even "lost" our original submitted claim. Even though they have our claim numbers and it just depends on who you talk to from TPA Risk Management. Our repair company has re faxed them all of our original documents and they tried to move our October claim up to November 8th. Watch them closely as they do not have any obligation to pay any claim made after October 31st.

Ultimate is done though, they have had their license as a service contract provider cancelled. Capital Assurance was owned by Ultimate, but are no longer. This is all explained in the documents on the above listed web page. We have been in constant contact with TPA - almost on a daily basis. Like all of you, we are just praying that they will come through with payment and honor our contract/warranty. Our current bill for our vehicle stands at $1207 and we were counting on our warranty to pay all but $100.00 for our deductible. Now we have to figure out how to get our truck out if they don't pay. Our service company TS&S have been wonderful on trying to work with us and they have agreed not to sell our truck for the work not paid. We will continue to work with them, but we also want justice for all we and everyone else has gone through. We are a hard working family and they have taken alot from us. We don't have the truck so they have taken about 50% of our income from us. Let's join together and see what we can do! Contact us and we will keep all informed on what the class action attorney's have to say.

Here is a link that everyone may find interesting:

https://www.doi.sc.gov/Eng/Public/Legal/CARRGRehabilitationOrder.pdf

Here is a list of companies that they do or had done business with:

http://natinc.com/copyright.html
http://www.greenleafauto.com/index.asp
http://www.lkqcorp.com/home/home.asp
http://www.parkplaceltd.com/default.aspx?html=contracts.html&s=contracts
http://driveautobahnmotors.com/services.html
http://www.northamericandealerservices.com/id56.html

found this interesting too:
http://www.insurance.wa.gov/news/dynamic/newsreleasedetail.asp?rcdNum=531

I will say that you all are getting snowed by them, if you believe that they have a company in Atlanta answering their phones. Their office is still open, they have a handfull of employees still there. Capital Assurance RRG is owned by Ultimate Warranty Corp. they are fighting to get the money they had in the state of South Carolina released, if the state does not release the money and Capital Assurance RRG closes, then the state of South Carolina is forced to handle the claims. You may be getting told that someone else is handling the claims, this is because the newer contracts that they had sold recently with in the past couple years or so. Their newest contracts (that they still sell) are insured by Assurant (http://www.assurant.com/inc/assurant/index.html). I suggest everyone contact their state attorney generals office, along with the attorney generals office of South Carolina, and the insurance commission of the State of South Carolina. There is severe history and misleadings by this company. Older contracts that had Capital Assurance RRG listed on them, the phone number to them was to an office in PA (it just happens that a VP of the company Tony Scatena's office was located in the same area) then older contracts just had an address to Capital Assurance in South Carolina, then contracts were released with a phone number to Capital Assurance RRG. CONTACT YOUR STATES AG'S, SOUTH CAROLINA'S AG'S, THE FBI!

Oh and one of the former owners is even suing them!

My wife and I have had a warranty through Ultimate for 3 years and didn't have to use it until this year. (It isn't supposed to expire until 2008) In March when we had to finally use it to get the transmission rebuilt it took 3 weeks for the work to be authorized and completed and they wouldn't cover a rental. After the work was finally authorized the shop we had taken it to had the work done within the day. In June the front drive shaft went out and we dealt with the same problem again... 2 1/2 weeks to get authorized before the shop could start work on it, once again..no rental covered. In September we had additional problems that amounted to $1000 in work and the company authorized $590 worth of the work (we have the authorization # and everything). And again it took 3 weeks and no rental was covered. The work was completed and 2 months later we got a call from the shop saying that Ultimate refuses to pay for what they authorized. I called the company and after hours on hold and many transfers was informed that the company that does the underwriting for Ultimate put a freeze on all claims and they are refusing to pay because Ultimate broke their contract with them to go to a different underwriting company. When asked if the clm will ever get paid the rep told us NOT LIKELY. Meanwhile we had to shell out the money to the shop that the warranty company said they would cover and did not. If there is anybody that has any information on any lawsuits going regarding this company I would appreciate any info you can give me.

I bought this warranty 2 years ago and have only filed one other claim with them. I had no problem on the first one. However, I've been dealing with the same issues as everyone else this week. I've had to sit on hold for up 1 hour at a time to talk to them because obviously the shop working on the car can't sit on hold forever waiting to talk to a claims rep. After finally getting through I was told like everyone else that I would have to pay up front and then be re-impressed for payment. Who knows how long that will take? Not using OEM parts, haggling over labor rates etc. I was told they sent an after market starter but after reading about this company I think they mean junkyard by after market. Count me in on litigation if it comes to it.

Well as a car sales person and policy holder this makes me sick, I have never been so pissed in my whole life. I paid the same as everybody else and cant get my car fixed. I have a lot of customers out there with this warranty and just found out what they are dealing with, I have tried all the store contact #s we have and get the same thing, nothing, if theres anybody has any ideas Im up for it.

I too am having problem with this company. I've had the warranty for 2 yrs and never had a problem until this week. My suv is in the shop and repairs are over $2000. I need to have the car repaired so the money is coming out of my pocket. Like several of you said, we need to file a complaint with better business bureau and anybody else that can help all of us get our money back. Does anybody know how to go about this? I have never had to do something like this before and am at a loss!

Bewared! My garage has been trying for days to get an approval for wiper motor... been on hold for hours at a time . When finally got through the person answering the phone in "Atlanta" said they were "out of money" it was tied up in South Carolina and didn't know when it would be released. The shop has tried over and over to get through again with no one answering just being put on hold for an hour and then dropped. . THIS is totally absurd. From what I''m reading today and my experience, it sounds like a class action needs to happen.

We purchased an Ultimate Warranty 2 years ago. The paid out a claim about 6 months ago, with some resistance - they wanted to use junk yard parts and haggle with the mechanic, they did not cover towing per the contract (we paid over $500.00 to have it towed to an authorized shop) and the rental coverage is not enough to cover the costs of renting the most basic sub compact, but they did pay for the needed repairs.

Our car is in the shop again, and this time we have to pay for the repairs because Ultimate's funds are frozen. We are out another $500.00 plus the $1800.00 we paid for the warranty.

I agree with Eric - it is time to file suit against UW and push them to honor their contracts.

I recently quit as a rep for Ultimate Warranty... I wish you all the best of luck in getting refunds, claims paid and other issues resolved.

I left in August as I could see problems coming and frustrated with this service contract company.

We to have purchased a contract with Ultimate Warranty about a year ago. My husband purchased a used truck with about 81,500 miles on it. We purchased the best warranty possible for the amount of miles on our "new" vehicle. Our truck has been sitting in the Dodge garage for over 5 weeks, service repairs have been completed for over a week and my husband has lost one job, not to mention that he has a small repair shop out of our garage at home that we have had to put our "customers" on hold and don't know if we will be getting them back. We get nothing but a run around about when our claim will be paid. We have been told by reps at Ultimate that they are in the middle of being Audited and that as soon as the state releases their money they will pay our claim. Or we have the option of paying for the repairs ourselves and they will reimburse us...That is why we have a warranty so we don't have to pay for our auto repairs on major things. This time it was the rear end on his truck...last time it was the torque convertor, front wheel bearings, tranny pump...we ended up paying over 1400.00 out of our pocket on that one. They wouldn't pay for the total amount of labor to remove and replace these things nor would they pay for the seals on the tranny pump even though the pump was shot and the seals and gaskets had to be removed to replace the pump.
Through the process of all of this, we called the dealership that he purchased his truck from...we are not happy them either. They informed us that they no longer sell warranties from Ultimate...they had nothing but problems with their customers getting their claims paid. They never gave us or I am sure any other customer the option of another warranty from their new company, even though they knew the warranties from Ultimate they sold were bad. You can count us in on a law suit...We paid approx. $1500.00 for a warranty on a truck that we can't even drive. The repair shop is holding our truck on a mechanics lien. We have lost alot of money because of this, we are a hard working family with children. Can anyone from Ultimate explain to our children why they can't have what they "need" because their not paying has caused financial problems here.
Can anyone explain why Ultimate is out of Ohio and their funds are being held in South Carolina? They have now updated their message to state that "GPA Risk Management is working with the State of South Carolina and Ultimate Warranty on a Rehabilitation Program, claims are being reviewed and payments will be made as soon as the state releases the money."
We will be checking into our warranty companies before we buy from here on. We will be contacting the BBB and AG in Oregon on this also.

Just a follow up from my previous post. Ultimate Warranty contacted the dealer where my truck is at like they said they would and approved the claim.

I think they are trying to work through their claims now, but it doesn't excuse them for blocking out their customers and really preventing them from contacting them.

Thanks,
Gary.

I just spoke with a customer service rep via their 800 number (spent about 20 min on hold prior). You could tell she was busy/rushing just by talking but she got my claim info that had been submitted and handed up to a claims manager who thought he would be able to contact the dealer where my truck sits within about 10 minutes. She had stated the person who had been assigned to handle my claim was no longer working there. Anyways, I'll see what my dealer has to say this afternoon if they contacted them.

Obviously, UW has been having a difficult time recently, and I guess now is their opportunity to step up and get things going right. Basically cutting off contact with their customers was obviously not a good way to go about doing things and undoubtedly caused more issues, but maybe they are getting things on track now.

I have had the same problems. Its been over two months since my shop has gotten the authorization to perform the work. I have tried to find the contact info. for Captial Assurance Insurance but haven't found anything on-line. Anyone have contact info for them? If so please post it and for the record I am in on the suit if it happens!

HEAD'S UP

For all of the folks that are holding a contract with Ultimate... Start looking into it...They are no longer the company holding the claims. They are going out according to the Cleveland BBB... Capital Insurance is taking over the assets and they will make the choice of how, who and when the money goes out.

Hey guys, it looks like we all have had it with Ultimate Warranty. If the company does not pay for a claim within 60 days it is a breach of contract (check the fine print). I believe we should all ban together to form a class action lawsuit against Ultimate Warranty. I know there are contract litigation attorneys and paralegals patrolling complaint sites and I hope they can contact us about possibly forming a class against Ultimate Warranty to pay us the full price for our contract plus any owed repair expenses. I bought my warranty through National Auto Warranty company and all they do is try to shift the blame to Ultimate. That company sold the policy and they bear a share of the blame and expenses.

I was able to get fax numbers for each department in Ultimate Warranty and faxed them demand letters. I also contacted the Ohio Insurance Commission and filed a complaint as well as the BBB in Cleveland. I filed another complaint with the AG in my own state as well.

If you guys agree and if any attorneys or paralegals specializing in contract litigation are interested, we should seriously think about a class action against Ultimate Warranty before they try to file for bankruptcy or some other move.

I have had 2 warranties through Ultimate and I have had nothing but great experiences. I was broke down in the middle of the night one time and the roadside service was there in 15 minutes. They paid my claim by credit card to the dealer and I was on my way.

Sorry you had a bad experience but it seems like you are venting more than anything. I only came across this article because I was googling for the ultimate warranty website.

Buyers just so you know I would buy another Ultimate Warranty if I was able to afford another car.