My complaint is both with Fidelity Warranty Services and the many dealerships that peddle FWS's so called "extended car warranties" ... in my case, the Coggin Auto Group. Let me be very clear ... DON'T be fooled into thinking you are buying something you are not. These FWS warranties are NOT what you think and NOT what the F&I salesperson leads you to believe. What they are is an illusion, delivered masterfully by dealerships to unsuspecting car buyers who are overly vulnerable to believing the illusion. Price of admission ... around $1, 000 - $3, 000 depending on coverage options and greed of your dealership. So why an illusion? Well, first, in spite of all the dealership jargon, these extended warranties aren't actually warranties at all ... the contract itself says it in plain English. You are NOT extending the legitimate factory warranty of your car. These are actually "service contracts", but you wouldn't pick that up immediately because the company is misleadingly named "Fidelity Warranty" ... hmmm "fidelity" and "warranty" ... how warm & fuzzy sounding. Secondly, you need to fully understand the concept of "wear & tear" because anything that breaks on your car due to "wear & tear" is NOT covered after 50, 000 miles. So part of the illusion is that you think your car is covered say up to 90k or 100k miles, but in actuality breakdown resulting from wear & tear is not covered after 50k miles. In case you aren't getting it yet, everything in your car undergoes wear & tear the minute it leaves the production line ... And history tells us that around 50k miles is when wear & tear starts taking a toll on cars. It's no accident that FWS bails on you precisely at the time you need them. Some may say, well, at least I'm covered up to 50k miles, but guess what ... your free factory warranty covers most cars up to 36k - 50k miles anyhow, and the FWS contract dictates that the factory warranty pays first. Oh, sure, FWS will pay claims for "faulty" workmanship or "faulty materials" (even after 50k miles), but part of the illusion is that those items invariably show up early in a vehicle's life and would again be covered under the free factory warranty, not FWS. Good luck convincing some FWS claim rep that your bad transmission survived the first 50k miles with no problems and then suddenly failed at 51k miles due to faulty workmanship or materials. Even if you're lucky enough to find some window of opportunity after the factory warranty expires and before your FWS contract terms out, you still need to clear 18 exclusions in the contract. And, oh, by the way, if you haven't serviced your vehicle to the exact letter of the law in your service manual AND have ALL the service records to prove it, FWS can and will deny your claims on that basis. Sorry, Mrs. Smith, you missed an oil change back in 2008 ... claim denied! The internet is full of complaints about people saying that FWS doesn't honor its warranties, but actually FWS does exactly what it's contract says it will do .. which is to deny your claims under its carefully crafted exclusions. The problem is that no one has the time or inclination to read a 6 page contract (on top of the other 15+ pages of misc car buying paperwork) while undergoing the car buying process ... So, instead, people listen and trust the F&I guy who is throwing out words like "peace of mind", "extended bumper to bumper coverage", "best warranty in the business", etc. Next thing you know, you're out $2000 bucks for a warranty that's not worth the paper it's written on. And don't expect a class action lawsuit or a trial in front of a judge or jury to save you because you waived your right to both of those when you signed Fidelity's contract ... ooops! Wonder why Fidelity's lawyers felt it so necessary to deny you customary legal courses of action. While Fidelity may undoubtedly pay out many claims per year, the fact remains that there are big misconception gaps between what people think they are buying and what Fidelity's contract actually is. The contract is masterfully written to avoid as much liability as possible while simultaneously exploiting people's desire for peace of mind and protection from out of control repair costs. And of course the car dealerships (yes, even those reputable dealerships with friendly staff and nice F&I managers) are more than happy to expand and exploit these misconception gaps for their own profitable gains and at their own customers' expense. No matter how much you like your salesman or trust your dealership, you would be well advised to take everything they say with a grain of salt and, unless you know 100% what you're buying, steer way clear of Fidelity Warranty Services contracts.