The website www.inds.com is pretty sparse on information (if this is the company that issued it to you, and I think it is)and it looks like the insurance is basically being offered as merely a high profit item for dealers to sell along with the cars, like the rustproofing, scotchgarding and other extras the finance managers try to sell you.

The sample contract there in pdf. form on the website looks like a typical take it or leave it "adhesion" contract to me, where you had no chance to negotiate any of the terms (though I am not a lawyer)

Their sample contract provides for binding arbitration if you make a written request for that. Does yours? You might want to take a good leisurely look at your warranty and read ALL the small print to see what it says.

The adjuster who said "pre-existing condition" is merely making a legal conclusion to allow him to deny your claim.

You bought FAR from a bumper to bumper warranty, look at the exclusions.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)