I purchased the highest coverage possible: the Ultimate Guard. In addition, added the "Luxury Electronics Coverage" which was supposed to cover as follows: "The following emissions related components are covered: Air fuel ratio sensor; anti-knock sensor; fuel sensor; idle air control valve; intake air temperature sensor; intake manifold; manifold air pressure (MAP) sensor; mass air flow sensor; oxygen sensor; powertrain control module (PCM); exhaust manifold." The check engine light came on and I took it to the local dealership. They diagnosed it as an emissions-related component failure, specifically the Evaporative System Integrity Module (ESIM). The service manager contacted Protective whereupon the claim was denied. Even though emissions-related components are supposedly covered under the additional Luxury rider, this particular part was not "specifically listed." As it turns out, it is a $20 part that takes 5 minutes to replace. Protective refused to cover it or the diagnostics related to it. This appears to be bad faith. When one is sold the top tier coverage with the additional luxury package coverage, one would expect a simple $20 part be covered, especially given the misleading coverage wording.
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