The first word that comes to mind when dealing with this place is: PREDATORY.
If you are not finance or car sales savvy, I strongly suggest bringing someone along to this dealership who is, if you still choose to give them your money and for the love of god, DO NOT PURCHASE THE EXTENDED WARRANTY.
My boyfriend and I found ourselves without a car two years ago and he has a job with an unforgiving attendance policy, we could not do without a car. While I will say the salesmen were attentive and made us feel like we we're a first priority, they try and upsale you on everything and that's where we fell prey.
We purchased a 2009 Subaru Outback that was over 100,000 miles- the salesmen who worked with us was really pushing the extended warranty. He played into our fears of having another car breakdown and not having a way to get to work, stated if we purchased the extended warranty, for a $50 deductible, we could have any repairs that qualified as "catastrophic malfunctions" (ie, the engine seizing ect) fixed. He stated it would cover us if anything bad would happen to the car, and since we're getting a loan to finance the car, what's an extra few thousand (yes, THOUSANDS) dollars to pay off? So, we went with it, understanding that we'd have to maintain the car in order for the policy to be approved.
We've had this car for a little over two years. Just this year alone we have spent about $4,000 in repairs, and just this past Tuesday, our engine seized. We promptly had it towed to our mechanic. When we called Carmax to get info on the warranty, a young woman in the business office told me the warranty is actually fulfilled by a third party company, but she was kind enough to give me the number and policy number. She stated I had 60mos of coverage for up to 75,000 miles- great, I was feeling relieved that I bought this extended warranty, as we're only halfway into paying for this car and it's now undriveable. I called my mechanic and provided the phone number and policy number for the warranty, they called me back and stated the company had no record of us ever having a policy with them. Panicked, I called Carmax again, as we've definitely been paying for the extended warranty for the last two years. I was then transferred to the office manger, an older man who's name escapes me, who then gave me an entirely different phone number and policy number and stated I was only covered for 40,000 miles and started going on about how I'd have to prove I was taking care of the car, ect. I told him that's fine, as we're responsible car owners and take our car to our mechanic regularly and how our mechanic even stated that the engine seizing wasn't our fault, there was plenty of oil in the engine.
It's been a couple of days since we've started this claim, and now the warranty company is having me pay $1,000 out of pocket ($50 deductible, right?) to have the engine ripped apart completely before they'll even approve to pay my mechanic to replace the engine. These people took an extra several thousand dollars from us on a policy they never had any intention of paying out. I am a disabled person living on a fixed income, and if I was educated enough to understand they have no intention of paying out on insurance they sale you, I would have just kept the extra money and had that to replace my engine today.
I'm not sure what my legal recourse is, but my father has offered to help me hire legal counsel. I think I also may be contacting the NYS Attorney General to see if I have any legal recourse. read more