WORST EXPERIENCE EVER! I am retired military. i was contacted by a sales rep and purchased this policy for my 2015 Ram 2500. I was told what the warranty was suppose to cover. It did not. It was all a lie. I paid not only for 100% repairs and then was told I would be reimbursed. Then was sent denial letters. I traded in my Ram on a new RAM and then this place had representatives that were rude and spoke to me horribly. I was then threatened by the rep that if I did not go to the dealership that I traded my vehicle into and get documentation that I traded the truck that I would be FORCED to FILE BANKRUPTCY and that it is PART OF THEIR CONTRACT!!!!! DO NOT PURCHASE ANYTHING FROM THESE SCAM ARTISTS!!!!!! THEY ALSO VIOLATE THE FAIR CREDIT DEBT ACTS!!!! ANYONE WANT TO GET TOGETHER AND FILE A CLASS ACTION LAWSUIT AGAINST THIS COMPANY- I AM ALL IN!!!!