Extended Warranty Issue in Florida

[Trackmunkey]

Just got the email too. How annoying. Curious what you guys are doing as resolution.

 

[Hankus]

I got it too. I'm not sure if they can actually terminate the contract if we ignore it. Might need to consult with an attorney.

 

[Trackmunkey]

I got it too. I'm not sure if they can actually terminate the contract if we ignore it. Might need to consult with an attorney.

If you believe the internet.

California has strict laws regarding extended warranties, also known as vehicle service contracts (VSCs) or aftermarket warranties. Only licensed car dealers can legally sell VSCs in California, and companies that sell them online or over the phone may face felony charges. Some warranty providers, like CarEdge, don't sell VSCs in California due to these restrictions.

 

[Air’d outSRT]

They should have known it was allowed in Florida and since it was never used they need to refund the full amount, its their error.

 

[Air’d outSRT]

This company has a license to sell aftermarket warranties in Florida. Might save a few bucks

Save $$ on A Genuine Mopar Vehicle Protection Plan!

www.chryslerfactoryplans.com

 

[Car-Guy]

Good luck getting a refund in a timely manner. I cancelled one of mine on an SRT I had a few years ago and it took ~18mos to get a check. When I bought another extended warranty, I now just assume, I'll use it or lose it.

 

[wac45]

Are you going to take the pro-rated refund? Or fight them about selling you a bad policy? Doesn't seem correct for them to take money from you for something that was invalid. They are doing this to the California residents as well, myself included. Super frustrating.

Also, switching the policy to a "friend's or relative's" address, curious to hear your logic for not pursuing this option? I'm a bit uncomfortable with it myself, but if the policy is enforceable/allowable, I may go that route instead of re-purchasing at a higher price?

At this point I do not plan to take the pro-rated refund. On top of that I question that they have the authority to cancel the policy. When I read my policy it gives five criteria that authorize the company to cancel the policy and none of those fit this scenario.

I purchased this policy from them in good faith, informing them before the purchase that I live in Florida. They proceeded to sell me the policy knowing that from the very beginning. I thought they were a reputable dealer as they have been in business many years and aggressively advertise their discount extended warranty. There is no doubt in my mind

 

[wac45]

At this point I do not plan to take the pro-rated refund. On top of that I question that they have the authority to cancel the policy. When I read my policy it gives five criteria that authorize the company to cancel the policy and none of those fit this scenario.

I purchased this policy from them in good faith, informing them before the purchase that I live in Florida. They proceeded to sell me the policy knowing that from the very beginning. I thought they were a reputable dealer as they have been in business many years and aggressively advertise their discount extended warranty. There is no doubt in my mind

There is no doubt in my mind that they would know of any restrictions in selling these policies. So based on that Inbelieve they should provide me with the product that I purchased from them in good faith at the price I agreed to. I upheld my end of the contract so they should uphold theirs. In fairness this may have been a mistake on someone's part, or may have been something they thought they could get away with, but either way I do not feel I am the responsible party here and certainly should not be penalized.

Why should I use the name/address of an out of town friend or relative to rectify a mistake they made. I don't plan to get friends or relatives involved in my business. Doesn't sit right with me.

I am waiting to hear back from them which will determine if I need to get my attorney involved. I would certainly prefer not to.

 

[Tacoma2TRX]

There is no doubt in my mind that they would know of any restrictions in selling these policies. So based on that Inbelieve they should provide me with the product that I purchased from them in good faith at the price I agreed to. I upheld my end of the contract so they should uphold theirs. In fairness this may have been a mistake on someone's part, or may have been something they thought they could get away with, but either way I do not feel I am the responsible party here and certainly should not be penalized.

Why should I use the name/address of an out of town friend or relative to rectify a mistake they made. I don't plan to get friends or relatives involved in my business. Doesn't sit right with me.

I am waiting to hear back from them which will determine if I need to get my attorney involved. I would certainly prefer not to.

I’m in a similar boat having just received the email today regarding California. Appreciate your insights. I have several questions I’d like them to answer, but suspect they’re going to give me the runaround. Please keep us updated if they respond. Some questions I have for them:

1. They stated Mopar told them they’re going to cancel our policies. Can they provide that communication? And why hasn’t Mopar reached out to us directly? Granger is just a middle salesman….smells fishy that Granger are the ones reaching out for Mopar business. We don’t work through Granger for claims. Might be worth calling the extended care Mopar people instead of working through Granger?
2. What grounds do they have for providing a pro-rated refund? They’re basically saying the current warranty isn’t valid, so what would have happened if we needed to use it before they sent this email? If the answer is it would not have been valid, then they took our money for nothing in return. A pro-rated refund implies the warranty was good during that timeframe. But by the nature of this cancellation they’re saying it was not? Those are contradicting.
3. What guarantees do we have that using a friend’s out of state address is going to be valid when a claim needs to be processed? This seems highly suspect and like Granger is looking for loopholes/CYA while keeping our money? Will Mopar put this loophole guarantee in writing?
4. How is this friend’s address used? It must show in a field somewhere in a form….but my truck isn’t registered there, nor is it my registered address as buyer/insured party. Nor is my payment method registered to that address. There’s literally no tie to my friends address. Wouldn’t this come across as a fraudulent representation to subvert CA/FL law? And Granger is aiding in that pursuit to keep some commission they must be getting paid?

I’m sure I’ll have other questions. Going to read my contract and the CA law link they sent me just now.

 

[Tacoma2TRX]

Ok, when I asked Granger for references to the nature of this “administrative error” they sent me this link — CA Dept Insurance

There is nothing in that entire page (yes I read it) that discusses out of state dealers selling discounted policies. It’s more of a brochure on VSCPs than actual statutes. It only mentions dealers/insurers having to be licensed with the CDI and if they are not, they’re committing a felony. Nothing there about new laws or any changes with effectivity dates.

When I read my actual plan provisions, it’s clear I’m covered by FCA, not granger….and agree with others, there are no terms allowing them to cancel the policy for this situation.

I actually think calling the Mopar Extended Vehicle coverage people is my next move.

 

[wac45]

I’m in a similar boat having just received the email today regarding California. Appreciate your insights. I have several questions I’d like them to answer, but suspect they’re going to give me the runaround. Please keep us updated if they respond. Some questions I have for them:

1. They stated Mopar told them they’re going to cancel our policies. Can they provide that communication? And why hasn’t Mopar reached out to us directly? Granger is just a middle salesman….smells fishy that Granger are the ones reaching out for Mopar business. We don’t work through Granger for claims. Might be worth calling the extended care Mopar people instead of working through Granger?
2. What grounds do they have for providing a pro-rated refund? They’re basically saying the current warranty isn’t valid, so what would have happened if we needed to use it before they sent this email? If the answer is it would not have been valid, then they took our money for nothing in return. A pro-rated refund implies the warranty was good during that timeframe. But by the nature of this cancellation they’re saying it was not? Those are contradicting.
3. What guarantees do we have that using a friend’s out of state address is going to be valid when a claim needs to be processed? This seems highly suspect and like Granger is looking for loopholes/CYA while keeping our money? Will Mopar put this loophole guarantee in writing?
4. How is this friend’s address used? It must show in a field somewhere in a form….but my truck isn’t registered there, nor is it my registered address as buyer/insured party. Nor is my payment method registered to that address. There’s literally no tie to my friends address. Wouldn’t this come across as a fraudulent representation to subvert CA/FL law? And Granger is aiding in that pursuit to keep some commission they must be getting paid?

I’m sure I’ll have other questions. Going to read my contract and the CA law link they sent me just now.

I believe you make valid points here and they reflect my perception of this situation as well.

Your first point is spot on.

To your second point, in the email I got from Granger they specifically stated that my policy was in full effect up to this point and all claims would be honored up until time of cancellation. To me, either the policy is valid or it is not, can't have it both ways.

Regarding your third and fourth pointI also feel using an address that I have no direct connection with (owning a home in another state is a different story) would then make me complicit in deceiving the warranty/insurance company and circumventing the law. Not doing that.

I will update as this progresses, please do the same. I believe Granger erred, either mistakenly or intentionally, and now expects their customers to pay for it. Business is business.

 

[Tacoma2TRX]

I believe you make valid points here and they reflect my perception of this situation as well.

Your first point is spot on.

To your second point, in the email I got from Granger they specifically stated that my policy was in full effect up to this point and all claims would be honored up until time of cancellation. To me, either the policy is valid or it is not, can't have it both ways.

Regarding your third and fourth pointI also feel using an address that I have no direct connection with (owning a home in another state is a different story) would then make me complicit in deceiving the warranty/insurance company and circumventing the law. Not doing that.

I will update as this progresses, please do the same. I believe Granger erred, either mistakenly or intentionally, and now expects their customers to pay for it. Business is business.

Decided to fire off the below questions to Granger. We will see what they come back with, after which I will likely reach out direct to Mopar Vehicle Protection who is the actual warranty provider.

1. The links you sent are not laws, they take you to the california dept of insurance website and are guides describing service contracts, warranties and repair agreements. Nothing on those websites state there is a new law/rule from California causing a problem with the contracted warranty I have with in place with FCA/Mopar Vehicle Protection. What specifically on those websites or elsewhere are you referring to that is causing the problem? Please send me the laws/statutes/specific language that states there is a problem with my warranty.
2. Can you please send me the notification you all received from Mopar stating they were going to cancel my warranty?
3. Why has Mopar not reached out to me directly? My warranty contract is with Mopar, not Granger.
4. Is my warranty currently valid? If not, you all cannot provide a pro-rated refund, but rather a full refund given you sold me an invalid service.
5. If I choose to go the updated address route, what guarantees do I have that Mopar is not going to have a problem with an address being on my warranty that is not associated with me or the covered vehicle? Is Granger and/or Mopar willing to put it in writing that there will be no concerns with this approach?
6. If I provide an alternative out of state address, how is that address going to be used? It goes on a form somewhere that I have to sign, but I am not willing to sign a contract that is misleading/misrepresenting my place of residence nor where the covered vehicle is registered.
7. When did Mopar communicate the issue to Granger? And, when does Mopar plan to cancel the warranty?
8. From the warranty contract itself, what provisions does Mopar plan to cite for the cancellation? There are specific stipulations in the contract for cancellation, none of which fit this scenario.

 

[wac45]

Decided to fire off the below questions to Granger. We will see what they come back with, after which I will likely reach out direct to Mopar Vehicle Protection who is the actual warranty provider.

1. The links you sent are not laws, they take you to the california dept of insurance website and are guides describing service contracts, warranties and repair agreements. Nothing on those websites state there is a new law/rule from California causing a problem with the contracted warranty I have with in place with FCA/Mopar Vehicle Protection. What specifically on those websites or elsewhere are you referring to that is causing the problem? Please send me the laws/statutes/specific language that states there is a problem with my warranty.
2. Can you please send me the notification you all received from Mopar stating they were going to cancel my warranty?
3. Why has Mopar not reached out to me directly? My warranty contract is with Mopar, not Granger.
4. Is my warranty currently valid? If not, you all cannot provide a pro-rated refund, but rather a full refund given you sold me an invalid service.
5. If I choose to go the updated address route, what guarantees do I have that Mopar is not going to have a problem with an address being on my warranty that is not associated with me or the covered vehicle? Is Granger and/or Mopar willing to put it in writing that there will be no concerns with this approach?
6. If I provide an alternative out of state address, how is that address going to be used? It goes on a form somewhere that I have to sign, but I am not willing to sign a contract that is misleading/misrepresenting my place of residence nor where the covered vehicle is registered.
7. When did Mopar communicate the issue to Granger? And, when does Mopar plan to cancel the warranty?
8. From the warranty contract itself, what provisions does Mopar plan to cite for the cancellation? There are specific stipulations in the contract for cancellation, none of which fit this scenario.

@Tacoma2TRX I spoke to Mopar directly. They assured me they are not cancelling any policies and knew nothing of this issue. They opened a case number to look into it further but confirmed my policy is in effect and they will not be cancelling it. Not sure what Granger is up to but they don't have the ability to cancel the policy. (unless you didn't finish paying for it)

 

[Tacoma2TRX]

@Tacoma2TRX I spoke to Mopar directly. They assured me they are not cancelling any policies and knew nothing of this issue. They opened a case number to look into it further but confirmed my policy is in effect and they will not be cancelling it. Not sure what Granger is up to but they don't have the ability to cancel the policy. (unless you didn't finish paying for it)

Nice. Thanks for sharing!

Yea this smelled all kinds of fishy from the start. I paid in full up front. Will probably call and open a case myself as well. Will be comical seeing what Granger comes back with. Also pretty annoying now that I think about it......what is Granger really up to and why are they jerking us around? Not cool.

 

[Wscott002]

@Tacoma2TRX I spoke to Mopar directly. They assured me they are not cancelling any policies and knew nothing of this issue. They opened a case number to look into it further but confirmed my policy is in effect and they will not be cancelling it. Not sure what Granger is up to but they don't have the ability to cancel the policy. (unless you didn't finish paying for it)

Please keep us post on the outcome !

 

[wac45]

Nice. Thanks for sharing!

Yea this smelled all kinds of fishy from the start. I paid in full up front. Will probably call and open a case myself as well. Will be comical seeing what Granger comes back with. Also pretty annoying now that I think about it......what is Granger really up to and why are they jerking us around? Not cool.

Mopar did tell me they had another call on it earlier his morning as well. They were very helpful and actually were quite amazed that the dealer was telling us this. Very disappointed and surprised at Granger, I really thought they were a straight up dealership.

 

[WVU_Eric]

What happens to all the people that move to Florida with an extended warranty? Not just the TRX warranties, but every other car that moves into Florida. Do they have to cancel them? Someone isn't telling the full story here and I don't think its the members posting here.

If you are allowed to register to a "friend" or family member in another state, ask them what Granger's owner's address is. Surely they would be willing to help fix their fuckup.

 

[wac45]

What happens to all the people that move to Florida with an extended warranty? Not just the TRX warranties, but every other car that moves into Florida. Do they have to cancel them? Someone isn't telling the full story here and I don't think its the members posting here.

If you are allowed to register to a "friend" or family member in another state, ask them what Granger's owner's address is. Surely they would be willing to help fix their fuckup.

The issue, as I understand it, is if you are a Florida (or apparently Calif) resident at the time of the extended warranty purchase, Granger cannot sell it to you at a discounted price because Florida law prohibits it. If you are a resident of another state at time of purchase and later move to Florida that is not a problem.

I have spoken to Granger by email, and by phone, and they still claim Mopar plans to cancel my warranty. I have spoken to Mopar by email, and by phone, and they say that is not going to happen. I do not believe Granger can legally cancel my warranty especially since Mopar is the one that is issuing the warranty. There are specific reasons outlined in the warranty agreement that allow Mopar to cancel a warranty and this is not one of them and Mopar acknowledges that. By the way, Mopar has been very helpful and forthcoming in my communications with them and very supportive.

As a side note, Granger originally said they would pro-rate my refund but when I wouldn't agree they now say they will fully refund my money. And of course they continue to push me giving them an out of Florida address. Bottom line, I am not voluntarily canceling my policy and I am not providing some out of state address that I don't live at. I am basing my decision on the assurances I received from Mopar and my personal interpretation of my contract.

Sadly this is some shady dealings by Granger, in my humble opinion.

 

[Tacoma2TRX]

Confirmed with Mopar Vehicle Protection there is no issue with my warranty nor any impending cancellation. They offered to have a case opened through Ram Cares regarding Granger's communications, however I decided to hold off until Granger responds to my emailed questions.

Regarding the nature of the supposed California issue, Granger has not provided any laws or rules from California that are causing this. When I asked for that, they sent me a link to the CA Dept of Insurance, which had nothing regarding their claim that we need to update addresses.

We'll see what Granger comes back with, if they even respond. If they do not, or they don't respond satisfactorily, I'll open a Ram Cares case.

 

[Brancis1]

Greetings! I’m in California and got the same letter from Granger. I called and spoke with both the person that sold me the warranty (4 months ago) and her supervisor. Both were very unhelpful other that trying to persuade me to cancel my warranty or use an out of state address. They even took it as far as to email me a random address that they would use while insisting that Mopar would never ask for an address… I called Mopar right after to ask some questions. Immediately they asked me to verify my info and of course my address. Mopar was very interested in all that I had to say. Needless to say, they opened up a case and assured me that my warranty wasn’t getting canceled. I encourage anyone who got this letter to be proactive and reach out to Mopar with any concerns. They were very helpful. They also mentioned that since I paid upfront that they didn’t have grounds to cancel my warranty. After some searching online, there is plenty of information online about not being able to purchase warranties out of state for Ca. and Fl. There is absolutely no way Granger didn’t know this is not legal. It’s not a new law. Granger also has some issues with out of state warranties for Fords.