IMHO, every non-factory car warranty is a scam. I made the mistake of buying one a few years ago, and after many hours of haggling with them I never got any reimbursement. Their fine print is longer than an encyclopaedia. And, to top it off, after I canceled the remaining part of the warranty, they began calling me 2-3 times a day with a recorded nuisance call to tell me my warranty was about to expire. I put my phone on the no-call list, threatened to report them to the FTC, nothing worked, they basically didn't care. I still get a call from them every now and then.