Terrible service

Protective's milleage plus contract is basically an instrument of demise. They charge a lot upfront and their basic policy is to DENY any claim. Covered by technical terms and overstretching provisions of the contract they deny claims even when they are justified. Let me give you an example. On 1/30/12 I Helfman Dodge of Houston submitted a claim on my behalf for a broken end of the shaft of the rear windshield wiper motor. The contract I had with them covers electrical parts too including this one. The next day I spoke to the representative who actually denied the claim who repeatedly stated to me that the shaft appeared to have physical damage ---what else could it have since its end broke off-- and this justified the claim's denial. My claim is that the shaft broke due to equipment failure during an attempt to replace the broken arm of the rear window windshield wiper. There was no abuse involved neither excessive external force was used during the attempted replacement of the said broken arm. Since the shaft is an integral part of the motor the motor should have been replaced at Protective's expense since my contract covers this part. Please listen to me and don't waste your time and money, don't buy a contract from them. Save your time and your money. Those contracts are very technical and the main clause that all parts not explicitly mentioned in the contract are not covered basically excludes more than half of the parts which may fail in the course of the life of a modern vehicle. As a mathematician I also strongly advise you to buy any extended service contract not issued by the manufacturer for a new vehicle. Typically, the probability of a failure of any piece of equipment in a new vehicle during the first 5 years of its life is less than 4%. So you are expected to pay more, unless you are in the 4% of the unlucky customers. For reliable manufacturers this 4% is even much less. Unless the contract covers normal maintenance don't buy it. I bought my contract because i bought a used vehicle with close to 100K miles. I wanted to hedge against unexpected damages but I ended up buying from an unreliable contractor.