Merit Administration Avis 

I had issues with my engine and some other parts. The other parts was understood why they aren't covered. However the parts that were covered per my contract the insurance did not cover. They gave me a poor excuse why, which did not match what the mechanic diagnosed. I have asked not just one mechanic, but two and they said the same thing. Also, when I asked Merit to send out an inspector they refused. I was sent from one person to the other with no clear answer on why my claim was denied. I just kept being told the wrong information over and over until I was worn down. At the end of it all I was told I would be called back,(which never happened). I will never give my money away as I felt in did in the end of this experience. I have paid for the plan for two years straight and was in need twice. The first time which was a few weeks prior, I didn't get the rental that was promised without having to jump hurdles. I ended up paying for it myself as they were only going to cover $180 of the rental after it took them 3 weeks to approve the work. What a waste of time and money. I will never use this agency EVER AGAIN. What a disappointment.

The company is strict you must follow the policy as far as vehicle maintenance but if you do that they will approve your repair. The transmission went out on my 2016 Chevy Suburban recently. I called let them know they had the truck towed to the Chevy service center. It took 2 weeks for the approval then about 2 weeks for the repair to be done. The repair was almost 7000. I couldn’t have got my truck fixed without there help. Just follow the policy concerning maintenance and you won’t have headaches or hassles. Thanks guys!

The approval for my SUV took too long. I only have 1 vehicle so therefore it took too long. I explained that I had a spouse that is in a wheelchair. Needless to say it still too long.

This company doesn’t take their commitment statement serious (Commitment
Merit Administration is committed to delivering financially secure products and providing an exceptional experience to every family as well as dependable, reliable, and affordable coverage for unexpected repairs). My daughter’s car is currently in the shop. Her car is not drivable. There are issues with the timing. Her claim was denied due to oil issues, please inform me, what does that have to do with timing issues. My daughter paid her money fatefully to Merit Administration. Merit Administration is a scam. A Class Action Lawsuit needs to be filed against this company. The phone representatives and adjusters are very rude. It appears this company doesn’t care about their customers, “why should they, it’s not their vehicle that’s being serviced”.

Merit is a COMPLETE SCAM!! They will try to find any reason to deny your claim. We paid for years into this good for nothing warranty. Tried to file a claim on $300 they fighting the shop on everything!! Shop told me they would settle it for me so I didn’t have to deal with Merit and let me pick up my car. And told us to get rid of the warranty. Then months later I have another issue so we take it back. Car is at the shop all week waiting on Merit to approve the claim. No work being done. Need to get to work so shop says pick it up drive it around see how it does cause some issues may have worked themselves out with the oil change while we wait on Merit. So we do so on a Saturday. I call Merit Tuesday like hello still no update. They say they were calling me. Which they did not. Needed service recs. I sent what we had some work we did ourselves cause it was minor. A fuel pump, oil change. I call back Thursday like still no update? She says well now the shop hasn’t sent over records I said lies I just got off the phone with them they sent over everything and I said to call them on 3 way she did not want to said it wouldn’t matter cause picking the car up will void the claim anyway. DONT WASTE YOUR MONEY WITH THEM THEY ARE LOOKING TO DENY YOUR CLAIM. Customer service is TRASH. I will leave this review on every platform I can. Everyone is going to know about this and to never look your way!!!

I received a letter in the mail that implied that my homeowner's insurance was expiring or had already expired. I called about it and they said that I needed to reactivate my account. After further questions, I found out this was a home warranty, not a homeowner's insurance policy. I had never had a home warranty account with them so it was deceptive for them to imply that I needed to REACTIVATE an account that didn't exist. They pressed me to start an account, but I didn't fall for it. I'm reporting it to our state attorney general for deceptive trade practices.

This warranty company is complete crap I they didnt honor their contact warranty with me. they denied my warranty wen the garage i had my car at sent them all paper work and i sent them my paperwork all information concering my car serivce history .so in short because my car broke down in between 30 day grace period of the contract which is bull crap. it was after 30 days wen the quote got sent to them.they used loophole saying it was in between the 30 days so they wounld,nt honor it. so my opinion they went back on their word. found out im not only person they did this too this company merit administrations. scam company i will be seeking a lawyer and contacting local news to report this comany for fraud .

To whom it may concern,
I just wanted to ask you to be transparent and point out the most important details of the policy when selling your insurance to regular folks who aren't expert in the insurance business, and don't read between the line, or don't have time to sit and read an entire booklet of insurance coverage. That said I respect your business and the employees that work for you. They where very good at demanding all kinds of documents which took me days to obtain while my car is setting at the shop NOT getting worked on.
In conclusion your company should:
First; let people know that the insurance value of the coverage will drop each year after you buy it. So if your car needs a new engine and it is worth more than your car's trading value, it may not be fully covered or not covered at all.
Second; the documents required should correspond to the job. If it's a suspension problem, what is the point of asking for an oil change record?? It's just a waist time and preventing mechanics to work on the car. I call it simply stalling.
Third; you must make service records a priority on your policy at the beginning of your sells pitch so people understand that if you are missing a single oil change, it WILL void their warranty. NOT put it in small print in the middle of your booklet.
If you make these simple adjustments to your policy, you will get more satisfied clients, better reviews, less complaints, less lawsuits, and a thriving business.
Thanks for your consideration and have a great day.
Your costumer.

KEEP ASKING FOR DOCUMENTS THAT WERE SENT AND THEN MORE DOCS THAT WERE SENT AND THEN MORE DOCUMENTS FOR A 666.00 DOLLAR REPAIR WITH A 100 DEDUCTIBLE!!! THIS COMPANY IS NOTHING BUT TRASH!!!! I REPEAT TRASH!!!! DO NOT USE THIS SCAM COMPANY!!!

SCAM! SCAM! My experience sounds like several others..Stealing from honest hard working people. I have paid for well over a year. The first opportunity I got to file a claim today 3/24/2025 it was denied. They gave myself and the dealership a “Made Up EXCUSE” .. they too said it was BOGUS and UNETHICAL! I agree with most of the reviews.. No intent to pay for the repairs. Those who got lucky count yourself as just that! LUCKY! Shame on anyone who works for this company. Bad Representation!

well for my one claim , andy who was putting together my case to present was very help full and i received calls back and once everything was needed received it was quick responce . thank you

Sharing the pain as everyone else who have left a review.

I recently had a disappointing experience with Merit Administration. Despite having a contract that clearly outlined coverage for specific repairs, the company was reluctant to honor their commitment. They used unwarranted and unrelated information to justify their refusal to cover the costs, which felt like a scheming tactic to avoid their responsibilities.

This situation caused significant inconvenience and frustration, as I had to cover the repair costs out of pocket.

I hope Merit Administration can improve by adhering to their contractual commitments and providing clear, relevant justifications for any decisions made. Instead of ripping good people out of their hard earn money.

My first experience was great and done right !

I had an incredibly frustrating experience with Merit Administration's Auto Claims service. Despite submitting all the required documents, including the final paperwork from the Ford dealership as they requested, they still found a way to deny my claim based on a technical exclusion policy. The entire process felt like a total fiasco from start to finish. Communication was poor, and I was left in the dark about key steps in the claim process. It's disappointing when a company doesn’t live up to its promises, and this experience has definitely left me dissatisfied. Would not recommend.

Great customer service great communication… Great job

I was very pleased on how quickly things went. This made the process go smoothly, especially being my first time ever needing a repair.

i took my 2019 GMC in for repairs...i was denied because i changed my own oil and when asked to send in receipts...i was denied for not doing it properly! that suck!!! to pay out of pocket!!

Communication was poor, some customer service reps were rude and very unprofessional.

There is a lot of stuff they don’t cover.

Do not trust this company. They will go through every loophole to avoid paying your claim. You were warned!