CarShield Claim Denial on The Basis of Pre-Existing Condition - INVALID St. Peters Montana
After being without my vehicle for a number of weeks, I had to call and find out that my claim for the transmission repair was denied due to a "pre-existing condition". The details of the denial were based on the fact that I had inquired about a noise coming from my vehicle during routine maintenance with the dealership.
They diagnosed it as the transmission needing to be replaced for about $10,000. Given that the dealership does not honor CarShield warranties, my resolve was to take the vehicle somewhere that does.
After many days without transportation with my car sitting, after CarShield was specifically told that there was no rebuild kit for the transmission for my car, I began to get the run around. I was told that the claims adjuster was unable to get in touch with the repair shop while already knowing from the repair shop that there was a call received requesting that the repair shop take photographs of the broken down transmission (an RDI is what CarShield calls it) after they were told by the repair shop that they were unable to tear down the transmission because there was no rebuild kit for it.
I was then given the run around about the status of the claim:
1) Claim was at a halt because the transmission was not taken apart.
2) Claim was at a halt because the inspection had not been received.
3) Claim was still in review because the claims adjuster was out of the office and is now back.
4) Claim was still in review because the claims adjuster was in but still reviewing the claim.
Needless to say, throughout this entire process, I submitted 3 requests for the claims adjuster to contact me and never received a phone call. The only time I heard from anyone during this process without having to call them was from Anthony Gonzalez stating that he was the claims adjuster and needed me to provide him with my statement and the service records for my vehicle. After 7 days, I called to inquire about the claim to discover that Mr. Gonzalez had not uploaded the service records to their records department, therefore, causing me to have to submit them via email directly to the records department myself.
I later on was told during one of my numerous phone calls to CarShield that Mr. Gonzalez was never the claim adjuster but was "assisting" the claims adjuster who was someone by the name of "Chris". After all was said and done, after contacting CarShield twice on 11/27/20, I was told today on 11/30/20 that my claim was denied on 11/27/20. I never received a phone call from CarShield or this claims adjuster as I requested previously.
To put the icing on the cake, the repair shop reached out to me to notify me that they were unaware of the declined claim as well. I cancelled the policy with CarShield as of today, 11/30/20. When I asked for a refund for the last payment made just days before the claim was denied, 11/25/20, I was told that they don't give refunds and that I would be covered until 12/5/20.
I have warned those who have the coverage to beware of the process and to have a plan B in place. I will be taking further action to ensure that, at the minimum, people are educated about what CarShield is doing and how they literally avoid paying claims. With having to now work with the dealership, I now have an out of pocket expense of $1300. With an unexpected repair for a transmission along with having to cover expenses for my home, it was an extreme hindrance to discover the coverage I thought I had for my vehicle is unreliable.