by Anura Guruge
Click to ENLARGE. The check.
They paid, per their promise — less the $100 deductible.
The check came within ‘the week’ of us filing in the paperwork.
They provided towing, as promised.
That is all I was expecting. And they lived up to my expectations.
When I bought the 2008 Ford Taurus from Heath England (the proprietor) at ‘Autofinders‘ (in Laconia, NH) it came with 3-months of ‘Preferred Warranties Inc‘ (PWI) coverage. Heath, from what I know, typically includes that with most of his cars. I liked Heath and I got talking to him while my 18-year old daughter test drove the Taurus — though the car wasn’t for her.
Heath assured me that PWI actually delivers. I, a professional cynic, was skeptical. But, he was adamant. Said that it was one of the few warranties that truly worked. I asked him to give me some local garages that accept PWI. He wrote down two names. I asked him IF I could get additional coverage — beyond 3-months. He said ‘Of course, but it will cost ya‘. Well, I was born a long time ago. I ended up agreeing on a 2-year warranty and Heath nominally deducted the 3-months that was previously included. It was NOT cheap. It cost me over $800.
But, I believe in insurance. I understand insurance. I know how insurance works. You buy insurance for the peace of mind. To cover costs in EXCESS of what you are willing to tackle.
[All that said above, I do NOT have life insurance on myself or anybody else. Never bought a life policy. Never will. SMILE. But, car/property/health insurance is different.]
Well, I (and to an extent Heath) lucked out on that Taurus. One full year with NO issues — though it has to be noted that we put a grand total of “3,800” miles on it!
Then pretty close to its one-year anniversary the brakes went. We were just on our way to Maine, though we were only taking the Taurus as far as the kennels where we board the dogs.
When we got back we took the Taurus to a new mechanic in Rochester — that came recommended from the dog kennels.
But, prior to taking it in we called and filed a CLAIM. They immediately stepped up with towing. That was nice. We didn’t need it. We pay top dollar for AAA ‘Premier’. Remember, I said I believe in insurance. But, we used their towing — which was prompt and good enough. [We wanted to give AAA a break. They have their hands full towing my Jags. SMILE.]
The mechanic did call PWI and give them his costs etc. But, he wasn’t willing to deal with them. He wanted to be paid by us, in full, by check. We kind of suspected that too.
We paid. Got the bill, from the mechanic, stating that we paid and then sent that to PWI via e-mail.
I called a few days later to check on the status. They said the check had already been cut!
The check came today. I am delighted.
Now there are those that will argue that I am still $500 in the hole. I do NOT see it like that.
For a start there is still 11-months left on the warranty. We might need other work. Plus, this ‘job’ could have been more expensive. That is why I have insurance.
So, Heath England was right. PWI does deliver and for the record so does Heath. SMILE. You can call him at 603-527-0055.
Bottom line here. I am telling you that PWI delivered — at least in this instance.
Click to ENLARGE. Their paperwork.
Click to access my original ‘Autofinders’ post from a year ago.
by Anura Guruge