I work for an insurance company that reinsures a variety of auto extended warranty companies. When you take your car in for warranty work be sure to take it to a shop that does a lot of warranty work. If the shop doesn't set the claim up right, you are the one that will pay for their mistake. Also, never tell the warranty company that the problem has been going on for a while. Always tell them that you noticed the problem and you took to a repair facilaty right away. If they refuse to pay do not waste your time arguing with the adjuster. Tell them you are going to give it to your lawyer to review. Once you tell them that your claim will be given special attention and will usualy be paid even if it was previously denied. We always prefer to avoid litigation because it almost always ends up costing more.