My dispute is with Heritage Warranty Insurance concerning Engine Coverage. Heritage will not cover my blown engine. Heritage's original response was that I did not properly maintain my engine. I did maintain my engine, and have submitted documentation to prove it. However, proving that I maintained my engine is not the heart of my battle with Heritage Warranty. I will detail why.
It did not actually matter to Heritage whether or not I maintained my engine. Through my many correspondences with Heritage, it became apparent that Heritage had no intention of covering my engine under any circumstance. That is one of the three main reasons I will fight this battle with Heritage to a just conclusion. The 2nd reason is that without receiving the coverage that I paid for, I am either out just over $6,000 for Chevrolet to install a new engine, or I junk a car that has three years left to payoff. Finally, I have no desire to see other people wind up in the same situation that I am in now.
In the list of items covered by Heritage Warranty Insurance, Engine System is on the top of the list. After faxing Heritage some of my maintenance history, the responses I received from the Adjuster, Angel, and managers who go by the names of Paul and Ron went dramatically down hill. I cannot provide their last names, because the folks at Heritage do not give last names since they are, Not allowed to. Upon reading the Maintenance History Report, Ron conceded that I probably did properly maintain my engine. When I asked if that meant that my engine would be covered, Ron said no. He said that my history of maintenance on my engine merely showed that the engine problem occurred due to a "Pre-existing" condition, and pre-existing conditions are not covered by Heritage. He said that because there was sludge in the engine, it did not matter how, or when it got there. Either a previous owner or I did not maintain the engine. It did not matter to Heritage who was at fault because either way Heritage declared the engine coverage warranty void.
My interpretation of this stance is that Heritage never intended to cover an expensive item, such as an engine, from the moment its warrantee was sold. Heritage was more than willing to take the money to cover it, and is well prepared to worm its way down one path or another, any of which result in no engine coverage. That is why, as I stated earlier, Proving that I maintained my engine is not the heart of my battle with Heritage, because proving so does not result in Heritage Warranty Insurance covering the cost of my repairs. I even pleaded if there was anything that could be worked out, to keep us out of court, and to help me not lose my auto that I still have three years left to payoff. Heritage would not negotiate. Ron told me to do whatever I had to, I was on my own for the cost of replacing my engine. Hence, I submit this report.
0 comments