I finaly have finished dealings with US Fidels and feel they are the closest thing you can get legaly to a scam. After talking to Tier 1, Mepco, and US. Fidels today all spanning over 2 hours i have realized that there is no way i am going to get my money back. I called in 33 days after i started my policy, as soon as i could becuase it took 10 days for the letter to get to me from them and i was in the field for training for the next 21 days when it did actualy come, and they told me that because it wasnt with in 30 days the policy can't be cancelled by a simple call. To cancel it then took paying for notorization, a bunch of paperwork and 4-6 weeks of processing on there end, none of which was told to me when i purchased the policy. Of course that whole time it took for this to happn i was being charged for "coverage" even though i called in and told them to stop the clock so to speak and not charge me because i didn't want the policy. Not to mention the reason i no longer wanted the coverage is becuase it is potrayed as covering a lot more than it does, it only covers specific parts in each section that is advertised as covered and those parts are not the parts that break, the comonly breaking parts (eg. Sunroof window is not considered a wndow, and the actual 4 windows only cover the motor not the accuators which is what normaly breaks) are not listed in the fine print. Take all of that and the price tag of over $3,000 for a 10 year old buick with 65,000 miles and rude and imposible to reach customer service and you got a leagal scam. I would not advise going with them because the chance of something covered by the policy breaking and the price being more than that of the policy is highly unlikly. Your vehicle whould probobly require 5-8 visits to a mechanic for covered parts for the policy to be worth it.
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