REIMBURSEMENT (You will NEVER get it)
I have been a Toco customer since November 2021 with multiple vehicles, and I am extremely disappointed with the outcome of my first reimbursement claim. I own six vehicles, three of which are covered by Toco. My local service provider, who services all my vehicles, mistakenly provided the wrong mileage over the phone—quoting the mileage of my Kia Optima instead of my QX56. Based on that incorrect mileage, the rack and pinion and wheel bearing issues were considered ineligible for coverage. However, when I picked up my QX56, the actual mileage was around 124,700, which would have qualified for coverage under my Toco plan. I explained the situation thoroughly, and Toco advised me to submit documentation for reimbursement. Each time I called, I was reminded of the $100 deductible and the requirement to call before repairs—something I have always done except in this instance due to the mileage discrepancy. I emailed all documents with an explanation on 11-19-2025, and Toco entered them into my portal on 11-25-2025. Today, I was told the claim was denied because Toco could not inspect the issue prior to repair and considered it a high-cost repair. Aidan informed me he was able to get approval for only a $500 reimbursement out of the $2,135 total. This repair was diagnosed by a certified dealer, and it is well-known that rack and pinion and wheel bearing failures commonly occur around 124,000 miles—regardless of whether Toco inspected it beforehand. I pay $269.81 per month, totaling $12,950.88 over four years, and this is the first claim I have ever filed for reimbursement and the first time I have not followed the precise steps of my contract (again due to the discrepancy). This decision feels unfair and dismissive of both my loyalty and the clear circumstances of the mistake.