IMS failure and explanation
06-01-2010, 02:45 AM
#91
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In 1.5 years I had three repairs all fully paid. The shop just calls the 800 number, gets an approval and goes on with parts replacements. No involvement on my part ever needed.
You pay a $200 deductible once per repair session, so if you combine many things, no matter how trivial and inexpensive, all you pay is $200.
So far I spent only $400 on a whole list of new parts, all installed including factory new transmission since Jan 2009.
EC= Easy Care
You pay a $200 deductible once per repair session, so if you combine many things, no matter how trivial and inexpensive, all you pay is $200.
So far I spent only $400 on a whole list of new parts, all installed including factory new transmission since Jan 2009.
EC= Easy Care
06-01-2010, 02:55 AM
#92
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Here's one from AA Auto Protection 5 year/150K miles $1550
Engine: The following parts only are covered: pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and rod bearings, camshaft and camshaft bearings, timing chain and timing gears, intake and exhaust valves, valve springs, oil pump, push rods, rocker arms, hydraulic lifters, rocker arm shafts and water pump. Turbocharger/Supercharger (factory installed only and Surcharge is paid) housing and all internal parts. No other parts are included under this service contract. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Transmission/Transaxle: All internally lubricated parts of Manual or Automatic Transmissions, including oil pump, drums, planetary, sun gear and shell, shafts, bearings, side gears, carrier, pinion gear, ring gear, shift rails, forks, synchronizers, and Torque Converter. Transmission/Transaxle Case if damaged by an internally lubricated Covered Part. Damage resulting from failures by related parts or units such as, but not limited to: Friction parts, such as clutches of any kind, levers, controls, linkage, cables, radiator, coolers, rubber mounts, external or internal metal or rubber lines or hoses, viscous couplings, CV and U-joints, drive axles and internal or external electrical components of the transmission are not covered. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Transfer Case: All internally lubricated parts of the 4 X 4 Transfer Case. Transfer Case if damaged by an internally lubricated Covered part. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Differential: All internally lubricated parts. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Air Conditioning: All internally lubricated parts contained within the compressor, condenser, evaporator, orifice tube. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Electrical: Alternator, voltage regulator, power window motor(s), heater fan/motor, starter motor. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Fuel: Fuel delivery (mechanical) pump, fuel (Gas and Diesel) injection pump, metal fuel delivery lines, fuel tank.
Engine: The following parts only are covered: pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and rod bearings, camshaft and camshaft bearings, timing chain and timing gears, intake and exhaust valves, valve springs, oil pump, push rods, rocker arms, hydraulic lifters, rocker arm shafts and water pump. Turbocharger/Supercharger (factory installed only and Surcharge is paid) housing and all internal parts. No other parts are included under this service contract. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Transmission/Transaxle: All internally lubricated parts of Manual or Automatic Transmissions, including oil pump, drums, planetary, sun gear and shell, shafts, bearings, side gears, carrier, pinion gear, ring gear, shift rails, forks, synchronizers, and Torque Converter. Transmission/Transaxle Case if damaged by an internally lubricated Covered Part. Damage resulting from failures by related parts or units such as, but not limited to: Friction parts, such as clutches of any kind, levers, controls, linkage, cables, radiator, coolers, rubber mounts, external or internal metal or rubber lines or hoses, viscous couplings, CV and U-joints, drive axles and internal or external electrical components of the transmission are not covered. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Transfer Case: All internally lubricated parts of the 4 X 4 Transfer Case. Transfer Case if damaged by an internally lubricated Covered part. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Differential: All internally lubricated parts. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Air Conditioning: All internally lubricated parts contained within the compressor, condenser, evaporator, orifice tube. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Electrical: Alternator, voltage regulator, power window motor(s), heater fan/motor, starter motor. Seals and gaskets are only covered when required in connection with the replacement of a Covered Part.
Fuel: Fuel delivery (mechanical) pump, fuel (Gas and Diesel) injection pump, metal fuel delivery lines, fuel tank.
06-01-2010, 12:03 PM
#94
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Thanks. I'll return the gesture by ignoring all your juvenile comments, past, present and future.
The warranty companies make billions on warranties for Hondas, Nissans, etc which do tend to just keep humming along. Porsches are prone to little bearings causing the destruction of an entire engine to the tune of roughly $18K but by the same token, amount to just a tiny percentage of cars sold world-wide, and thus just a tiny percentage of warranty sales, so the payouts represent just a tiny percentage of revenues. If the insurance companies operated exactly as you portray them, they would all refuse to write policies on Porsches. In fact the cost of payouts on Porsches, Mercedes and BMW comes back to the warranty companies in the form of advertising. Horror-stories of $11K-worth of repairs in a short time frame are what prompt millions who own Honda Accords to buy warranties they'll never use. I'm not arguing that warranties in general are a good investment, but from my experience they've been worthwhile on German and other European cars.
I've never had so much as a fender-bender in almost 40 years of driving. Conversely I've had tens of thousands of dollars of auto repairs covered under extended warranties.
And I won't judge anyone who believes four digits puts the car over his head but spending five digits on repairs isn't 
It is surely clear to anyone with even the most tenuous grasp of capitalism that insurance companies are profit making enterprises. Therefore, especially in the current investment environment (do you know what a yield curve is?), no insurance company is going to lose money on a risk product in the hope of making it back in the markets. Moreover, a lot of insurance companies are specifically looking for easy premium revenue to offset the miserable returns they're getting on their fixed income investments.
Your parallel to collision insurance says more about your priorities than it does the products. Collision insurance covers an event most of us will have
As I said earlier, I don't judge anyone who chooses to pay a premium for predictability. But for me personally, if I was that scared of things going wrong with my car that I was willing to write a four digit cheque to be protected from it, I would conclude that maybe this car is over my head.
06-01-2010, 12:11 PM
#95
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One note, sadly the company at last I spoke could not write a warranty in Florida because Old Republic pulled out of the Florida market due to the hurricane situation and Florida's oppressive insurance regulations. MBA was looking for another company to write FL policies. My CPO goes until early next year, so I'll be shopping between now and then.
06-08-2010, 04:01 AM
#96
Instructor
Does easy care cover a 99 with 95k miles?
Where would one go to purchase the warranty, I heard you have to purchase the warranty (Easy Care) at the dealership.
Any others to look into in CA?
Where would one go to purchase the warranty, I heard you have to purchase the warranty (Easy Care) at the dealership.
Any others to look into in CA?
06-08-2010, 06:00 AM
#97
The first coverage does appear to have excellent coverage for items that do pretty much end their life cycle after 100k.
Those of you that have purchased an aftermarket extended service contract help me decide which one to go with. My concern is really for the engine if the IMS bearing fails so I'm leaning towards the $1375 plan.
5 Year/150,000 Additional Miles- $1,375.00
Engine and Water Pump: The following parts are covered: pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and rod bearings, camshaft and camshaft bearings, timing chain and timing gears, intake and exhaust valves, valve springs, oil pump, push rods, rocker arms, hydraulic lifters, rocker arm shafts and water pump, seals & gaskets only when required in connection with the replacement of a covered part.
Turbocharger/Supercharger (factory installed only): housing and all internal parts, seals & gaskets only when required in connection with the replacement of a covered part.
Transmission/Transaxle: all internally lubricated parts of manual or automatic transmissions, including oil pump, drums, planetary, sun gear and shell, shafts, bearings, side gears, carrier, pinion gear, ring gear, shift rails, forks, and synchronizers, and torque converter. Transmission/transaxle case if damaged by internally lubricated covered part, seals & gaskets only when required in connection with the replacement of a covered part.
Differential: all internally lubricated parts, seals & gaskets only when required in connection with the replacement of a covered part.
Air Conditioning Coverage: all internally lubricated parts contained within the compressor, seals & gaskets only when required in connection with the replacement of a covered part.
Electrical: alternator, voltage regulator, power window motor(s), heater fan/motor, starter motor.
Fuel System: fuel delivery (mechanical) pump, fuel (gas & diesel) injection pump, metal fuel delivery lines, fuel tank.
OR this 3 Year/36,000 Additional Miles- $3,259.00
Engine: Cylinder Block, Cylinder Head(s) and all internally-lubricated parts contained within the engine including: Pistons; Piston Rings; Connecting Rod Bearings; Crankshaft; Crankshaft Main Bearings, Camshaft; Camshaft Bearings; Cam Followers; Timing Chain or Belt; Timing Gears, Guides, Tensioners; Rocker Arms; Rocker Shafts; Rocker Bushings; Cylinder Head Valves; Valve Guides; Valve Lifters; Valve Springs; Valve Seals; Valve Retainers; Valve Seats; Push Rods; Water Pump; Oil Pump and Oil Pump Housing; Harmonic Balancer; Oil Pan; Timing Chain Cover; Flywheel/Flex Plate, Intake and Exhaust Manifolds; Valve Covers; Engine Mounts; Seals and Gaskets; Factory installed Turbochargers/Superchargers, including Housing, Internal Parts, Seals and Gaskets.
Transmission: (Automatic or Standard) Transmission Case and all Internal Parts plus: Torque Converter, Flywheel/Flexplate, Vacuum Modulator; Electronic Shift Control Unit; Transmission Cooler; Transmission Mounts; Oil Pan; Seals and Gaskets.
Transfer Case: Transfer Case and All Internal Parts; Seals and Gaskets.
Drive Axle: (Front and Rear) Drive Axle Case; All Internal Parts contained within the Drive Axle; Locking Hubs; Drive Shafts; Universal Joints; Constant Velocity Joints; Axle Bearings; Four-Wheel Drive Actuator; Differential Cover; Seals and Gaskets.
Cooling: Engine Cooling Fan and Motor; Fan Clutch; Belt Tensioner; Radiator; Heater Core; Thermostat; Blower Motor; Hot Water Valve.
Steering: All Internal Parts contained within the Steering Box; Rack and Pinion Gear; Power Steering Pump; Power Steering Hoses; Steering Knuckles; Pitman Arm; Idler Arm; Tie Rod Ends and Drag Link; Upper and Lower Steering Column Shafts and Couplings, including Internal Tilt-Wheel Mechanism; Steering Box and Rack and Pinion Gear Housings; Seals and Gaskets; Rear Wheel Steering: Rear Steering Shaft and Couplings; Power Cylinder and Pump; Electronic Control Unit/Solenoid; Phase Control Unit; Stepper Motor; Steering Box; Control Valve; Rack; Tie Rod Ends; Seals and Gaskets.
Brakes: Master Cylinder; Power Brake Cylinder; Vacuum Assist Booster; Hydro Boost; Disc Brake Caliper; Wheel Cylinders; Compensating Valve; Brake Hydraulic Lines and Fittings; Hydraulic Control Unit; Seals and Gaskets. The following ABS Parts are also covered: Electronic Control Processor; Wheel Speed Sensors; Hydraulic Pump/Motor Assembly; Pressure Modulator Valve/Isolation Dump Valve; Accumulator; Seals and Gaskets.
Fuel Delivery: Fuel Pump; Fuel Injection Pump and Injectors; Vacuum Pump; Fuel Tank; Fuel Tank Sending Unit; Metal Fuel Delivery Lines.
Air Conditioner: Condenser; Compressor, Compressor Clutch and Pulley; Air Conditioning Lines and Hoses; Evaporator; Idler Pulley and Idler Pulley Bearing; High/Low Compressor Cutoff Switch; Expansion Valve; Pressure Cycling Switch; Seals and Gaskets. The following parts are also covered if they are required in connection with the repair of a covered part listed above: Accumulator/Receiver Dryer; Orifice Tube; Oil and Refrigerant.
Front and Rear Suspension: Upper and Lower Control Arms; Control Arm Shafts and Bearings or Bushings; Upper and Lower Ball Joints; Radius Arm and Bushings; Torsion Bars and Mounts or Bushings; Stabilizer Bar, Links and Bushings; Struts; Spindle and Spindle Support; Wheel Bearings; and Seals and Gaskets. Variable Dampening Suspension: Compressor; Control Module; Actuator; Solenoid; Height Sensor; Mode Selector Switch; Seals and Gaskets.
Electrical: Alternator; Voltage Regulator; Starter Motor; Starter Solenoid and Starter Drive; Engine Compartment Wiring Harness; Computerized Timing Control Unit; Electronic Ignition Module; Crank Angle Sensor; Knock Sensor; Ignition Switch; Ignition Switch Lock Cylinder; Front and Rear Window Wiper Motor, Washer Pump and Switch; Stop Lamp Switch; Headlamp Switch; Turn Signal Switch; Heater/A.C. Blower Speed Switch; Manual Heater/ A.C. Control Assembly; and Horns.
Enhanced Electrical: Automatic Climate Control Programmer; Electronic Instrument Cluster; Mileage Computer; Distributor; Ignition Coil; Electronic Combination Entry System (Does Not Include Transmitters and Receivers for Remote Locks); Cruise Control Module, Transducer, Servo and Amplifier; Powertrain Control Module; Headlamp Motors; Power Window Motor; Power Seat Motor; Power Mirror Motor; Power Antenna Motor/Mast Assembly; Convertible Top Motor, Power Sunroof Motor; Power Window Switch; Cruise Control Engagement Switch; Power Seat Switch; Power Mirror Motor Switch; Rear Defogger Switch; Power Door Lock Actuator and Switch.
5 Year/150,000 Additional Miles- $1,375.00
Engine and Water Pump: The following parts are covered: pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and rod bearings, camshaft and camshaft bearings, timing chain and timing gears, intake and exhaust valves, valve springs, oil pump, push rods, rocker arms, hydraulic lifters, rocker arm shafts and water pump, seals & gaskets only when required in connection with the replacement of a covered part.
Turbocharger/Supercharger (factory installed only): housing and all internal parts, seals & gaskets only when required in connection with the replacement of a covered part.
Transmission/Transaxle: all internally lubricated parts of manual or automatic transmissions, including oil pump, drums, planetary, sun gear and shell, shafts, bearings, side gears, carrier, pinion gear, ring gear, shift rails, forks, and synchronizers, and torque converter. Transmission/transaxle case if damaged by internally lubricated covered part, seals & gaskets only when required in connection with the replacement of a covered part.
Differential: all internally lubricated parts, seals & gaskets only when required in connection with the replacement of a covered part.
Air Conditioning Coverage: all internally lubricated parts contained within the compressor, seals & gaskets only when required in connection with the replacement of a covered part.
Electrical: alternator, voltage regulator, power window motor(s), heater fan/motor, starter motor.
Fuel System: fuel delivery (mechanical) pump, fuel (gas & diesel) injection pump, metal fuel delivery lines, fuel tank.
OR this 3 Year/36,000 Additional Miles- $3,259.00
Engine: Cylinder Block, Cylinder Head(s) and all internally-lubricated parts contained within the engine including: Pistons; Piston Rings; Connecting Rod Bearings; Crankshaft; Crankshaft Main Bearings, Camshaft; Camshaft Bearings; Cam Followers; Timing Chain or Belt; Timing Gears, Guides, Tensioners; Rocker Arms; Rocker Shafts; Rocker Bushings; Cylinder Head Valves; Valve Guides; Valve Lifters; Valve Springs; Valve Seals; Valve Retainers; Valve Seats; Push Rods; Water Pump; Oil Pump and Oil Pump Housing; Harmonic Balancer; Oil Pan; Timing Chain Cover; Flywheel/Flex Plate, Intake and Exhaust Manifolds; Valve Covers; Engine Mounts; Seals and Gaskets; Factory installed Turbochargers/Superchargers, including Housing, Internal Parts, Seals and Gaskets.
Transmission: (Automatic or Standard) Transmission Case and all Internal Parts plus: Torque Converter, Flywheel/Flexplate, Vacuum Modulator; Electronic Shift Control Unit; Transmission Cooler; Transmission Mounts; Oil Pan; Seals and Gaskets.
Transfer Case: Transfer Case and All Internal Parts; Seals and Gaskets.
Drive Axle: (Front and Rear) Drive Axle Case; All Internal Parts contained within the Drive Axle; Locking Hubs; Drive Shafts; Universal Joints; Constant Velocity Joints; Axle Bearings; Four-Wheel Drive Actuator; Differential Cover; Seals and Gaskets.
Cooling: Engine Cooling Fan and Motor; Fan Clutch; Belt Tensioner; Radiator; Heater Core; Thermostat; Blower Motor; Hot Water Valve.
Steering: All Internal Parts contained within the Steering Box; Rack and Pinion Gear; Power Steering Pump; Power Steering Hoses; Steering Knuckles; Pitman Arm; Idler Arm; Tie Rod Ends and Drag Link; Upper and Lower Steering Column Shafts and Couplings, including Internal Tilt-Wheel Mechanism; Steering Box and Rack and Pinion Gear Housings; Seals and Gaskets; Rear Wheel Steering: Rear Steering Shaft and Couplings; Power Cylinder and Pump; Electronic Control Unit/Solenoid; Phase Control Unit; Stepper Motor; Steering Box; Control Valve; Rack; Tie Rod Ends; Seals and Gaskets.
Brakes: Master Cylinder; Power Brake Cylinder; Vacuum Assist Booster; Hydro Boost; Disc Brake Caliper; Wheel Cylinders; Compensating Valve; Brake Hydraulic Lines and Fittings; Hydraulic Control Unit; Seals and Gaskets. The following ABS Parts are also covered: Electronic Control Processor; Wheel Speed Sensors; Hydraulic Pump/Motor Assembly; Pressure Modulator Valve/Isolation Dump Valve; Accumulator; Seals and Gaskets.
Fuel Delivery: Fuel Pump; Fuel Injection Pump and Injectors; Vacuum Pump; Fuel Tank; Fuel Tank Sending Unit; Metal Fuel Delivery Lines.
Air Conditioner: Condenser; Compressor, Compressor Clutch and Pulley; Air Conditioning Lines and Hoses; Evaporator; Idler Pulley and Idler Pulley Bearing; High/Low Compressor Cutoff Switch; Expansion Valve; Pressure Cycling Switch; Seals and Gaskets. The following parts are also covered if they are required in connection with the repair of a covered part listed above: Accumulator/Receiver Dryer; Orifice Tube; Oil and Refrigerant.
Front and Rear Suspension: Upper and Lower Control Arms; Control Arm Shafts and Bearings or Bushings; Upper and Lower Ball Joints; Radius Arm and Bushings; Torsion Bars and Mounts or Bushings; Stabilizer Bar, Links and Bushings; Struts; Spindle and Spindle Support; Wheel Bearings; and Seals and Gaskets. Variable Dampening Suspension: Compressor; Control Module; Actuator; Solenoid; Height Sensor; Mode Selector Switch; Seals and Gaskets.
Electrical: Alternator; Voltage Regulator; Starter Motor; Starter Solenoid and Starter Drive; Engine Compartment Wiring Harness; Computerized Timing Control Unit; Electronic Ignition Module; Crank Angle Sensor; Knock Sensor; Ignition Switch; Ignition Switch Lock Cylinder; Front and Rear Window Wiper Motor, Washer Pump and Switch; Stop Lamp Switch; Headlamp Switch; Turn Signal Switch; Heater/A.C. Blower Speed Switch; Manual Heater/ A.C. Control Assembly; and Horns.
Enhanced Electrical: Automatic Climate Control Programmer; Electronic Instrument Cluster; Mileage Computer; Distributor; Ignition Coil; Electronic Combination Entry System (Does Not Include Transmitters and Receivers for Remote Locks); Cruise Control Module, Transducer, Servo and Amplifier; Powertrain Control Module; Headlamp Motors; Power Window Motor; Power Seat Motor; Power Mirror Motor; Power Antenna Motor/Mast Assembly; Convertible Top Motor, Power Sunroof Motor; Power Window Switch; Cruise Control Engagement Switch; Power Seat Switch; Power Mirror Motor Switch; Rear Defogger Switch; Power Door Lock Actuator and Switch.
06-08-2010, 11:03 AM
#98
Thanks. I'll return the gesture by ignoring all your juvenile comments, past, present and future.
The warranty companies make billions on warranties for Hondas, Nissans, etc which do tend to just keep humming along. Porsches are prone to little bearings causing the destruction of an entire engine to the tune of roughly $18K but by the same token, amount to just a tiny percentage of cars sold world-wide, and thus just a tiny percentage of warranty sales, so the payouts represent just a tiny percentage of revenues. If the insurance companies operated exactly as you portray them, they would all refuse to write policies on Porsches. In fact the cost of payouts on Porsches, Mercedes and BMW comes back to the warranty companies in the form of advertising. Horror-stories of $11K-worth of repairs in a short time frame are what prompt millions who own Honda Accords to buy warranties they'll never use. I'm not arguing that warranties in general are a good investment, but from my experience they've been worthwhile on German and other European cars.
I've never had so much as a fender-bender in almost 40 years of driving. Conversely I've had tens of thousands of dollars of auto repairs covered under extended warranties.
And I won't judge anyone who believes four digits puts the car over his head but spending five digits on repairs isn't
The warranty companies make billions on warranties for Hondas, Nissans, etc which do tend to just keep humming along. Porsches are prone to little bearings causing the destruction of an entire engine to the tune of roughly $18K but by the same token, amount to just a tiny percentage of cars sold world-wide, and thus just a tiny percentage of warranty sales, so the payouts represent just a tiny percentage of revenues. If the insurance companies operated exactly as you portray them, they would all refuse to write policies on Porsches. In fact the cost of payouts on Porsches, Mercedes and BMW comes back to the warranty companies in the form of advertising. Horror-stories of $11K-worth of repairs in a short time frame are what prompt millions who own Honda Accords to buy warranties they'll never use. I'm not arguing that warranties in general are a good investment, but from my experience they've been worthwhile on German and other European cars.
I've never had so much as a fender-bender in almost 40 years of driving. Conversely I've had tens of thousands of dollars of auto repairs covered under extended warranties.
And I won't judge anyone who believes four digits puts the car over his head but spending five digits on repairs isn't
Moreover, all insurance companies spread their risk out across all car makes, everywhere, rather than rating each car make for risk individually. Thus, Porsche owners get special treatment. Because no socialistic charity would ever take advantage of the chance to charge a premium for warranty coverage just because a poor citizen happened to be unlucky in their choice of German sports cars, even if it means leaving money on the table. That would be unfair, and a breach of our rights. Thus, Toyota owners are taxed to protect we who drive 911s. It's only right.
Mea culpa. I was wrong.
Man, marketers must love you.
06-08-2010, 11:30 AM
#100
Sorry, David. Nothing to see here. I've been schooled. Buying a warranty is cheaper than paying for repairs yourself, all the time on every car. And Porsche owners get a special break on account of how good Toyotas are. I don't know how I could have been so stupid.
06-08-2010, 12:24 PM
#102
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Gosh, you're right. Warranty companies are vast socialistic charities, designed to protect everyone's sovereign right to own a Porsche. And you, sir, are a flawless representative sample of all car owners everywhere, your personal experience being 100% projectable to the general population.
Moreover, all insurance companies spread their risk out across all car makes, everywhere, rather than rating each car make for risk individually. Thus, Porsche owners get special treatment. Because no socialistic charity would ever take advantage of the chance to charge a premium for warranty coverage just because a poor citizen happened to be unlucky in their choice of German sports cars, even if it means leaving money on the table. That would be unfair, and a breach of our rights. Thus, Toyota owners are taxed to protect we who drive 911s. It's only right.
Mea culpa. I was wrong.
Man, marketers must love you.
Moreover, all insurance companies spread their risk out across all car makes, everywhere, rather than rating each car make for risk individually. Thus, Porsche owners get special treatment. Because no socialistic charity would ever take advantage of the chance to charge a premium for warranty coverage just because a poor citizen happened to be unlucky in their choice of German sports cars, even if it means leaving money on the table. That would be unfair, and a breach of our rights. Thus, Toyota owners are taxed to protect we who drive 911s. It's only right.
Mea culpa. I was wrong.
Man, marketers must love you.
06-08-2010, 12:33 PM
#103
My position all along has simply been this:
- Economically, the odds favour the insurer. That's a fact.
- The value in a warranty lies in peace of mind for people who can't or choose not to afford surprises.
So, yes, it's a personal choice.
As to your continued insistence on insulting me - verbal flatulence? Up here we call that literacy - knock yourself out. Sticks and stones may break my bones, but I have an extended warranty for that.
06-08-2010, 01:14 PM
#104
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By "up here" I'm assuming you're referring to the lofty vantage from which you imagine yourself looking down upon the rest of us? Because literate, articulate and erudite people everywhere can recognize bloviating when they read it.