I found AAAutoWarranty LLC (3794) (West Deptford, NJ 08096, 888-222-4445 Jeff Golden, Customer Service Manager) online and saw no complaints at BBB. I told them I wanted bumper-to-bumper coverage on my 2004 Chevy Impala (@90, 000 mi.). They recommended several policies, I took the top of the line (Secure Choice), costing $2, 110 for 5 years, broken or worn. Found out they had another warranty company with a higher priced policy for 3 years coverage. I declined, but I then realized AAAuto is a broker of policies, not the warranty company. Eventually, I received my warranty package from CDWS.
When I experienced intermittent transmission "slippage" I took my car to AAMCO Transmissions in Ambler, PA (a fleet facility). They got an ok from CDWS to move forward to identify the problem. "Torque converter failure" was denied outright by CDWS. Warranty says "Torque converter is covered only if damaged by failure of an internally lubricated transmission Covered Component and condition." Because AAMCO had never had "torque converter failure" denied (by any extended warranty company in the 19 years the manager had worked at AAMCO), they had to resubmit claim to be more precise in identifying the source of the damage to the converter. "Worn valve body" (the brain of the transmission) caused damage to the converter. Denied again by CDWS. I complained; they sent an "independent" inspector who subsequently submitted a report to CDWS contrary to the conversation he had with the AAMCO technician at the site while examining the transmission. The inspector reported back to CDWS that there was "no visible damage or failure to the torque converter and valve body.” Claim denied by CDWS again. The AAMCO technician's jaw dropped when he heard.
AAMCO says torque converter failure is nearly 50% of the reason why a transmission fails. If it is not covered, then you really don't have coverage of your transmission. CDWS, as well as USFidelis, narrowly defines a transmission as the "lubricated parts", and so they can fudge around with that and get out of any claim they choose. Alternatively, they can send over their "independent" inspector to diagnose it as a problem not covered by the warranty.
I would be happy to join in any class action law suit against CDWS, USFidelis (who has an almost identical warranty) and other preditors like them. I would include in the law suit the warranty broker, AAAutoWarranty, because they are aware, or should be aware of the many complaints against CDWS, yet they continue to offer these useless warranties to the unsuspecting public.
By the way, their arbitration option has nothing to do with identifying the real problem with your car. They will only call in an arbitrator if there is an argument over the interpretation of the warranty.
I hope the Warranty Investigation Bureau has teeth.