Reply from MyAutoGuardJun 30, 2026
We’re sorry to hear that you are disappointed with the outcome of your claim and appreciate the opportunity to respond. You told us your car was in great running condition with no problems, however you filed a claim right after the validation period for repairs that your car had present in February. You failed to mention these problems with us when asked and we have proof all of these repairs your car needed BEFORE coverage purchase date. Pre existing problems are not covered as you were advised.
We respectfully disagree with the characterization of your experience. Before any claim determination is made, our claims department conducts a thorough review of the repair facility's findings, available vehicle history, prior repair records, maintenance documentation, and the terms of the coverage agreement.
In this case, the claim was not denied simply because a repair was requested. The review identified documented conditions that existed prior to the effective date of coverage, as well as other factors relevant to the claim determination under the terms of the agreement. Vehicle protection plans are designed to cover eligible mechanical breakdowns that occur after coverage becomes effective and are not intended to cover pre-existing conditions.
We understand this outcome is frustrating and recognize that you disagree with the decision. However, we stand behind the claim review process and the determination based on the documentation available. If you believe additional information or documentation should be considered, our claims team remains available to review it.
Thank you for your feedback.
Repair records dated 2/20/2025 (124,979 miles) document a dead CUE/radio with communication faults that was diagnosed and repairs declined prior to contract sale. Current failure is consistent with the previously documented condition.
Prior repair records document worn stabilizer links requiring replacement before the vehicle was sold. The current steering click is attributable to the same pre-existing condition.
Tire pressure monitoring system concerns were diagnosed prior to contract sale, with two TPMS sensors recommended and repairs declined. The current TPMS complaint is a continuation of the previously documented condition.
DTC P06DD and a failed oil pressure control solenoid were diagnosed and repairs declined prior to contract sale. The same fault remains present, indicating a pre-existing condition rather than a new mechanical breakdown.
Inspection photos show extensive long-term oil saturation and debris accumulation consistent with a pre-existing condition. Additionally, no verifiable maintenance records were provided documenting an oil service between 124,980 and 156,117 miles (over 31,000 miles), as required under the manufacturer's maintenance schedule.
