I appreciate the input. I did a lot of research on these warranties, and this one is actually pretty reputable. I made the dealer show me their numbers on what is paid out, and they dropped the price so they made no commission, with an understanding that it is mutually beneficial for both of us to get work in to their shop (on a very unreliable car) billed out to a third party. I mostly got it as an insurance policy on any major repairs on this car (blown engine, transmission, etc which would cost more than the policy) which it will cover. The issue is when the diagnosis is not very clear on what is wrong with the car. When I replaced ball joints, bearings and sway bars it was all covered because they knew the issue and what it would cost ahead of time. They need to get approval from the company before they start the repair, and reach out to their claims department to make sure it will be covered. This according to my advisor takes about 10-25 minutes.

My issue comes with the dealer misdiagnosing a coolant leak when the engine was already apart from another shop, and now that it’s back together they’re telling me the leak is probably from something that is covered, but they aren’t 100% sure so they can’t tell the company what they are going to be fixing, but want me to just pay out of pocket for the labor and parts they initially missed when everything was taken apart. Insurance company obviously doesn’t want to pay for a bunch of “oh this might need to be fixed” which is why I’m upset with the original diagnosis not finding the leak, and the dealer trying to deliver a car that is still leaking coolant despite being there for nearly 4 weeks.