Merit Administration Opiniões 

It was easy and a good experience

Clean and comfortable.

Nissan Dealership handled all communication with warranty company, provided a rental car during service event, and charged only the deductible of $100.00 once transmission installation was completed. So far so good with vehicle. Thanks for your help in this matter.

Timely service !!

I was required to make all past service documents available. Sometimes this can be a big headache and time consuming. Fortunately I had all my work done at my previous dealership and just needed to make 1 call.

In may I had engine work done on my pickup. A very long-drawn-out process by Merit. Call to enter claim. Verbal approval accepted to proceed, but then once my mechanic verified issue, I had to wait days for one of their people to come to the auto shop to verify and say yes that’s what’s wrong and then tell the auto shop what they were going to pay or not pay for. It was a joke; majority of the parts and fluids that had to be remove or had become contaminated due to the required process to identify and access the area damage to make the required repairs were denied, what a scam and still charge there $100 fee too.
Weeks later I brought my pickup back in for engine light coming back on. The auto shop called in the claim and was told ok to proceed. This was the email sent to them with what was needed and complied. I attached the Email Merit sent to my auto shop, clearly stating either type of data was acceptable.
MRT158005-3 REQUIRED DOCUMENTS REQUEST

To Process this claim we need a copy of:

- Work Order with Mileage, VIN, and customer information
- Itemized Parts with part numbers and Labor ( please reflect repair time vs diag)
- Any Code or Freeze Frame Data
- Picture of failure or Failed parts on the vehicle.
- Maintenance Records for Vehicle


The repair must be Authorized before work can be performed. Repairs done without prior Authorization will result in claim denial.

If there are any issues or concerns, please do not hesitate to contact us. Thank you.

After the review from a 3rd party company based in Florida who reviews all their claims, they declined the claim, because they said they needed the Freeze Frame data and wouldn’t consider till then, knowing that once the battery was disconnected the Freeze Frame data could no longer be extracted, because the computer will reset once the battery is reconnected, but clearly stated on the document from Merit instructed my auto shop what data was needed which they fully complied by sending the error codes (any codes) from the computer from my pickup prior to disconnecting the battery, which Merit clearly stated any code or Freeze Frame data. I’m not sure who runs the show at Merit, but it surely looks like another entity. So, I’m not sure who was getting my money. I called, because phone request from my shop to try to clear up this discrepancy went conveniently un responded. Since Merit wouldn’t respond back with my auto shop, I called back twice, both times I was treated rudely, intimidated and talked down to me like a little kid, very unprofessional and unacceptable. Very quick to twist the conversation and contradict themselves with no respect or focus on the concerns of the customer. This just proves they will twist and nick pick to prevent any or very slim payout. THEY WILL DO WHAT EVER POSSIBLE NOT TO PAY THE CLAIM. Please save yourselves the headaches and throwing your hard-earned money out the window on this SCAM laced company.
If I could give a zero star I would. your company is a disgrace. How I and my auto shop was disrespected and treated was unprofessional and unacceptable. Only until I went to the insurance board in Missouri and Michigan did you finally do your job. I hope that the insurance board looks much deeper into your unethical practices and issue the highest disciplinary and punitive punishment deserved to you.

Merit covered all of the components that’s within my policy without any hassles. They made the transaction very easy. My car is running like new, thanks too Merit.

My intial cobtact wirg telephone number kept asking if I needed Medicare. It was very annoying. It took two days to connect with someone. Then they questioned my warranty. But in three days it was approved after I sent in records of my keeping maintenance. Then the work was approved. Even though I had the Diamond service.

I was very pleased that David kept me in the loop concerning my claim always answered my questions when I called never made me feel as though I was bothering him the key to success is communication and understanding and David went above and beyond to make sure I was taken care of thank you David

I just feel that I was given a bad deal with my car each time it needed service when it came to the warranty. I'm supposed to have the diamond package and nothing was never covered under my warranty.

Your company service was outstanding thank you very much.

I am not satisfied with the service. My rental reimbursement was denied because Merit set hours at 6 that think the labor when they have a 8hrs minimum before any reimbursement, they say they would pay $30 per day 60% of cost per day up to maximum $180, my rental cost was upwards of $380. The vehicle was in shop for 8 days and Merit only pays 6 hours labor that they set in order not to reimburse me less than half of the rental cost. Merit recommended cheaper generic parts which doesn’t work with the vehicle so they have lowest payout. I am suggesting to Vehicle owners that it’s better to create an account for that warranty and put that $130 per Month in it that you would be Merit for a useless warranty where end paying much more than if do by yourself, NO MORE of these useless plans.

Fremont Ford was great, explained every thing. Truck sounds great and no more miss in my garage. thanks

The whole process of getting my car fixed was pretty smooth, but the approval could have been quicker. I think that if we weren’t on vacation it would have taken longer.

Warranty, Service

The dealership had my car for a month, trying to work with the warranty department that would not budge. I ended up paying out of pocket $1800. Will not recommend this warranty service.

WARNING!!!!!
DON'T DO BUSINESS WITH THIS COMPANY!!!

I purchased a warranty through US Automotive Protection/Merit, just off what the Protection Specialist Jared Turner told me.

I didn't have any paperwork or policy in front of me. They tell you what it is and you decide from there. I told him I didn't want to deal with another 3rd party warranty company.

He told me something I've never heard. He said, They are a Dealer Direct Warranty company. They deal directly with the dealerships. You have the option to go to other shops also but if you choose to go to the dealership, they'll have all your info. Untrue!

My deductible was $100. That's all I would have to pay, if my car went to the shop under a covered problem.

I told him, if I had the full amount, I would pay the warranty policy in full, which came to $3,555. I'm so glad I didn't have the full amount.

My car developed steering problems. The Nissan dealership found it the be the steering rack. I filed a claim. Parts and labor was cover by the warranty. Here's where everything went sideways.

Dealer quoted the price for the rack a little over $1500, warranty company said the price they see is a little over $1100. I had to cover the outstanding balance of $466.07.

Yeah, so much for the $100 deductible.

Dealership replaced the part and found out it needed a new high pressure line. They called the warranty company.
US Automotive Protection/Merit denied the claim.
I called them. My claim specialist Kyle told me, they cover the major part but don't cover the lines the major part needs in order to work.

Line cost $488. I had to cover the price. So much for the $100 deductible that I was told is all I would have to pay.

Now I'm out of pocket right at $1000 with the warranty policy.

Dealership found another problem, warranty company denied the claim and said, "My policy reached it's MAX payout." WOW!!!

How does that work. They're charging me $3555 for the policy and it's max out is a little over $1800. Jared Turner didn't tell me that.

I cancelled the policy immediately. They got me for a few monthly payments. Just think if I would've paid the $3555 total.
Guarantee you they wouldn't be trying to send me no money back.

WARNING!!!!!!!!
DON'T DO BUSINESS WITH THIS COMPANY
Look at their reviews.

They are a 3rd party warranty company. I don't care what name or phrase they want to call it.

You drag oit the approval process too slowly. Then when you approve repair its not a full fix. Consequently i was forced to tow car back to dealership 4 days later to get thr second solenpod replaced. Both should have been done on first visit.

The process was long and stressful with zero communication. I was without my car for 13 days. I called on day 2 to make sure they had everything from the repair shop and was told they were just waiting for me to send my service records for the past 12 months. No one called or told me and I only found out because I called and asked questions. Next I was told someone would have to come and inspect my vehicle at the shop. Each day I called and was always told I’d get a call back. No one has ever called me back. My repairs were over $9000 but only about $6000 was covered. I asked for a list to show what is covered vs what is not covered compared to the estimate submitted by the shop. I was emailed a list of part numbers and only for the parts covered. I wanted to be able to compare and see if anything could be postponed. No one responded to my email request or returned my phone call again. My car was done on Friday but they wouldn’t release it to me because payment wasn’t made yet. I called this morning and was told there was a problem with the credit card and they wouldn’t release figure it out and call the shop and pay. So I was without my only car for 13 days for a job that took 3 days. The other time I had to call about my policy was when my key fob broke. I was told it wasn’t covered. When I got the policy, I was a customer of Endurance. My salesperson convinced me to cancel with Endurance and get my current policy instead. She went over all the things that made this policy superior-key fob replacement was one of them. It was disappointing to find out it was not true. I was told how easy the claims process would be. Take the car anywhere I want-the shop sends the bill and they pay directly. Well no one said for me to send records. Then there was an inspector needed to go to the shop. The most frustrating thing however was never getting a call back. Agents told me “I just sent him a message and he’s on the phone and will call you back within the hour”. I called almost daily because I was trying to figure out if I needed to rent a car. No one called me back still to this day. I’m giving 2 stars instead of 1 only because I have my car back and a lot was covered. I do think the sales person mislead me and frankly there’s no excuse for not returning a single call in 13 days. The repair shop did say a lot of warranty companies are more difficult to work with so I was relieved it was a better experience for them.

Vehicle was at dealership.. They were charging $546.00
per hour. Service manager suggested I remove my vehicle from the dealership and bring it someplace reasonable..Did as suggested.. My mechanic did the job at one quarter of the.. Dealership had it for 11 days.. My mechanic did it in three days. Did I mention the repair was 1/4 of the price.. Thanks Merit..