Complaint Review: C.A.R.S. Protection Plua

I just discovered this website and wanted to warn used-car buyers to be careful about a warranty company called C.A.R.S.-Protection-Plus recommended by the dealer. I bought a used vehicle that I needed right away while home from overseas [APO / FPO address] plus a ninety-day C.A.R.S. warranty on the power train for $99.  While on a toll highway 2 days after purchase, at 9am on a Sunday morning the timing gear broke. This required a state-police approved towing company to get me off the highway at a another charge of $99 which included the tow company's franchise fee for operating on a toll road.
I was frantic because my flight back overseas was in two days. The garage that handled my car was very nice and honest -- got me a used part on Monday morn instead of a new one that would have taken three days to arrive -- but the additional repair cost to me was another $432. Final total $630 on top of the car price.
C.A.R.S. refused to reimburse me because I had not gone onto its website on Sunday morning -- I ask you how could I have done that from the middle of nowhere -- and asked for authorization in advance per the fine print.
I wrote a letter asking for a waiver, attaching the State Police report, the tow company report, the detailed mechanics report, and the final bill pointing out it was a Sunday morning, and I had to fly out Tuesday noting my military status.
C.A.R.S was within narrow legal rights to deny the claim but I feel strongly that they should have waived the internet report and paid up. The documenation was honest, complete, and undeniable.
I later investigated this company and learned that it has a bad reputation. Anyone else share this view?
Alex