I purchased Royal Administration's Centennial extended warranty for my used 2007 Kia Sorento and was told it covered everything bumper to bumper except typical things like oil changes and brake issues. My rear differential is completely messed up so I need it replaced and they refuse to cover the replacement because they claim I had to change the rear differential fluid at 67,500 miles which I was never told about and have never heard of. I explained to them that I bought this truck used not at a Kia dealer and I was never informed during any time even at oil changes that I had to change the differential fluid. They cannot make the judgement that it was my negligence that caused the differential to break because the seal broke and fluid leaked out and got dirty so even if I had changed it, there would be no way to determine if the fluid was full and ok. This loophole was not stated on the brochure I received for their warranty service either. Now I am stuck paying over $2000 for repairs and a rental car and all they are covering is $84. I pay this company $75 per month and am going to be cancelling if we can not come to a fair resolution. Any non-mechanic on the street would not know about changing rear differential fluid at 67,500 miles unless it is recommended to them and it was never told to me. They are not even willing to split the cost with me.
Got the warranty in Oct 2016.I had a issue with navigation hard drive 2 months after i got warranty . I passed there break in period (1000 miles and more than 30 days) Royal fought me a little bit but they paid eventually. Tried to say pre existing issue, when i bought the warranty with the car. Fast forward, now in feb 2017 my front differential started to make a weird noise. So i got it checked out as royal advised. Dealer stated front diff is starting to bind and needs to be changed and front wheel bearing is bad. They call it in but carchex wants a tear down but before that is done they said try checking the fluid. Dealer stated no way to check it without actually draining it. Makes sense. So i paid $180 to get the fluid changed. (Royal didnt cover any of it) It wasn't low or dirty dealer stated. The diff is a sealed unit so no oil change intervals or maintenance required. They refilled with oem fluid and the noise was gone. Royal said ok good and closed the differential claim since it was no longer needed. Not reimbursing me a dime.
5 months later (July 2017) front end got extremely loud. Dropped it off to get it diagnose. Dealer states front right wheel bearing is bad and front differential is back with noise. So he called it in. Royal is requesting a tear down. Fine with me cause the noise is worst then before so that means its done. But how can you request for a tear down and never even came to inspect the vehicle know it has other issues besides the diff? I asked how could you diagnose a wheel bearing if they take the differential apart? They stood quiet, then turned and said yea i gotta see if i can get a adjuster out to check the car. Sad i have to tell them in which order they should do there job or when they should check the vehicle. You claim to be experienced and professionals in this for years. I cant agree. Especially when you guys said your adjuster can tell what was damaged before i got the warranty and during. That is completely impossible.
I've asked independent mechanic shops and other Lexus dealers and they also state that it is impossible with this type of breakdown to tell if prior or during. Then they started talking about pre existing issues and normal wear and tear. Pre existing? So because i did not have the repair done (which was not needed at the time) your say pre existing? Or i bought the car with a differential making noise and a bad wheel bearing? Did i or did i not do everything required to keep the vehicle properly running when you guys asked? You asked for maintenance receipts, i sent them. You asked the oil be changed on the diff. I did it. (My maintenance receipts totaling more then $7,000 in repairs out of my own pocket) Showing you i take care of my vehicle and all pre existing issues was taken care of before or during the 30 day/1,000 miles start up period as stated in the contract. $7,000 in repairs that i paid before the warranty and your gonna tell me pre existing issues? Now more excuses... Why would i continue with a tear down if there was no longer a issue after the fluid was changed out?
Now 5 months later the diff is binding but even louder now and your gonna tell me its pre existing issues because i did not tear it down in the past, yet YOU closed the claim stating nothing more needs to be done. So it was a set up? You said okay and closed the claim when the fluid was changed out and now its a issue because it wasn't "fixed" the first time? And its preexisting because no tear down was done before?? i am still paying my contract and i am now 8-9 months in. Royal do not want to pay because the repair exceeds the cost of my contract. My contract is roughly $5,000 and the repair is about $7,000 with wheel bearing repair. Why not stipulate from the beginning that you will not pay over X amount or the total contract amount?? Its been a week without my vehicle. No inspection, no repairs, not even a call from royal to tell me whats going on. Now a week later they saying the need to send a inspector out to see the issues. A week later? I Definitely DONT RECOMMEND them and i been with them almost a year. Heard and seen all that i needed to.I wont be making next months payment!!
This is the worst insurance. They took money from my accout and now the time has come to fix my car and the excuses started. THE REAR END OF MY CAR HAD A PROBLEM AND THEY ARE ASKING ME TO PROVE TO THEM THAT THIS IS NOT AN EXICTING ISSUE BY TEARING DOWN THE ENGINE. I AM SO READY TO TAKE THEM TO COURT. THEY PLAYED WITH THE WORNG PERSON. I AM ALSO READY TO WRITE TO THE NEW YORK TIMES AND THE WASHINGTON POST. THEY WILL UNDERSTAND NOT TO PLAY WITH PEOPLE.
My husband took in our SUV because it kept dieing while driving. Royal would only pay 228.52 of the 919.26. While there the tehnicians noted a CV boot had a small leak. Royal denied the claim, stating they do not fix small leaks. 4 months later we brought the car in for a factory recall repair. While there the technicans noted both CV boots leaking badly. We only had 400 miles left until our warranty expired. This time Royal stated they denied covering the repair because we drove the car with a known problem. They are con artists, weasling out of paying claims.. I paid $3,350 for the Global Plan for Elite cars!! I do not want anyone else to get ripped off by these low-lifes!!
Royal Administration Services, Inc. Reviews
I purchased Royal Administration's Centennial extended warranty for my used 2007 Kia Sorento and was told it covered everything bumper to bumper except typical things like oil changes and brake issues. My rear differential is completely messed up so I need it replaced and they refuse to cover the replacement because they claim I had to change the rear differential fluid at 67,500 miles which I was never told about and have never heard of. I explained to them that I bought this truck used not at a Kia dealer and I was never informed during any time even at oil changes that I had to change the differential fluid. They cannot make the judgement that it was my negligence that caused the differential to break because the seal broke and fluid leaked out and got dirty so even if I had changed it, there would be no way to determine if the fluid was full and ok. This loophole was not stated on the brochure I received for their warranty service either. Now I am stuck paying over $2000 for repairs and a rental car and all they are covering is $84. I pay this company $75 per month and am going to be cancelling if we can not come to a fair resolution. Any non-mechanic on the street would not know about changing rear differential fluid at 67,500 miles unless it is recommended to them and it was never told to me. They are not even willing to split the cost with me.
Got the warranty in Oct 2016.I had a issue with navigation hard drive 2 months after i got warranty . I passed there break in period (1000 miles and more than 30 days) Royal fought me a little bit but they paid eventually. Tried to say pre existing issue, when i bought the warranty with the car. Fast forward, now in feb 2017 my front differential started to make a weird noise. So i got it checked out as royal advised. Dealer stated front diff is starting to bind and needs to be changed and front wheel bearing is bad. They call it in but carchex wants a tear down but before that is done they said try checking the fluid. Dealer stated no way to check it without actually draining it. Makes sense. So i paid $180 to get the fluid changed. (Royal didnt cover any of it) It wasn't low or dirty dealer stated. The diff is a sealed unit so no oil change intervals or maintenance required. They refilled with oem fluid and the noise was gone. Royal said ok good and closed the differential claim since it was no longer needed. Not reimbursing me a dime.
5 months later (July 2017) front end got extremely loud. Dropped it off to get it diagnose. Dealer states front right wheel bearing is bad and front differential is back with noise. So he called it in. Royal is requesting a tear down. Fine with me cause the noise is worst then before so that means its done. But how can you request for a tear down and never even came to inspect the vehicle know it has other issues besides the diff? I asked how could you diagnose a wheel bearing if they take the differential apart? They stood quiet, then turned and said yea i gotta see if i can get a adjuster out to check the car. Sad i have to tell them in which order they should do there job or when they should check the vehicle. You claim to be experienced and professionals in this for years. I cant agree. Especially when you guys said your adjuster can tell what was damaged before i got the warranty and during. That is completely impossible.
I've asked independent mechanic shops and other Lexus dealers and they also state that it is impossible with this type of breakdown to tell if prior or during. Then they started talking about pre existing issues and normal wear and tear. Pre existing? So because i did not have the repair done (which was not needed at the time) your say pre existing? Or i bought the car with a differential making noise and a bad wheel bearing? Did i or did i not do everything required to keep the vehicle properly running when you guys asked? You asked for maintenance receipts, i sent them. You asked the oil be changed on the diff. I did it. (My maintenance receipts totaling more then $7,000 in repairs out of my own pocket) Showing you i take care of my vehicle and all pre existing issues was taken care of before or during the 30 day/1,000 miles start up period as stated in the contract. $7,000 in repairs that i paid before the warranty and your gonna tell me pre existing issues? Now more excuses... Why would i continue with a tear down if there was no longer a issue after the fluid was changed out?
Now 5 months later the diff is binding but even louder now and your gonna tell me its pre existing issues because i did not tear it down in the past, yet YOU closed the claim stating nothing more needs to be done. So it was a set up? You said okay and closed the claim when the fluid was changed out and now its a issue because it wasn't "fixed" the first time? And its preexisting because no tear down was done before?? i am still paying my contract and i am now 8-9 months in. Royal do not want to pay because the repair exceeds the cost of my contract. My contract is roughly $5,000 and the repair is about $7,000 with wheel bearing repair. Why not stipulate from the beginning that you will not pay over X amount or the total contract amount?? Its been a week without my vehicle. No inspection, no repairs, not even a call from royal to tell me whats going on. Now a week later they saying the need to send a inspector out to see the issues. A week later? I Definitely DONT RECOMMEND them and i been with them almost a year. Heard and seen all that i needed to.I wont be making next months payment!!
This is the worst insurance. They took money from my accout and now the time has come to fix my car and the excuses started. THE REAR END OF MY CAR HAD A PROBLEM AND THEY ARE ASKING ME TO PROVE TO THEM THAT THIS IS NOT AN EXICTING ISSUE BY TEARING DOWN THE ENGINE. I AM SO READY TO TAKE THEM TO COURT. THEY PLAYED WITH THE WORNG PERSON. I AM ALSO READY TO WRITE TO THE NEW YORK TIMES AND THE WASHINGTON POST. THEY WILL UNDERSTAND NOT TO PLAY WITH PEOPLE.
My husband took in our SUV because it kept dieing while driving. Royal would only pay 228.52 of the 919.26. While there the tehnicians noted a CV boot had a small leak. Royal denied the claim, stating they do not fix small leaks. 4 months later we brought the car in for a factory recall repair. While there the technicans noted both CV boots leaking badly. We only had 400 miles left until our warranty expired. This time Royal stated they denied covering the repair because we drove the car with a known problem. They are con artists, weasling out of paying claims.. I paid $3,350 for the Global Plan for Elite cars!! I do not want anyone else to get ripped off by these low-lifes!!