If someone tells you a car warranty is a scam, believe them
When buying my vehicle from St. Charles Mercedes Benz I was sold a warranty from Alpha Warranty Services for over $4,200, and told it covered "everything". OK, we can quickly anticipate that was an exaggeration, but with so much complicated equipment, the gamble seemed like a good wager to be a good value. After my first attempt at a claim, that is far from the truth. When I had the actual warranty contract sent to me, since what the MB dealership gave me was more promotional than details, I think it would be a smaller document if they listed what IS covered. When I told the gal answering the phone what the issue was, I used the word, "wire". She quickly came back stating that, "In item 14, it states, 'spark plugs and wires'", therefore anything with a wire is not included. Mind you, item 14 has several items separated by commas. Taking one word out of context and elevating it to an exclusion of its own is an enormous stretch. I questioned if her logic held, why didn't the creator of the contract have a specific item, separated by commas, that clearly stated, "anything with a wire". I suggested that she did a word search for "wire", had a match, and therefore anything with a wire is excluded. She essentially agreed. I suggested had I called it a copper filament surrounded by an insulator, the repair would have been covered since there was no match. She seemed proud to use te term, "an exclusionary contract", and proudly shared with me that if a repair could loosely fall into one of the 30 or so bullet points of related items, they were excluded from the warranty. Only if she couldn't find a word that closely watched a word in the 14 -page document would it be covered. When I asked how to contest the interpretation, she informed me there wasn't one, as if her logic dictated all consideration of coverage and contract interpretation. So, the moral of the story is not just that you need to read the small print, but realize just about nothing is covered and a mildly educated young girl with a foreign accent is the judge and jury of how the contract will be interpretated. I strongly feel I was dooped by St. Charles Mercedes Benz and wasted over $4,200. Learn from my mistakes and take a pass, at least if the warranty is from Alpha Warranty Services.