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Old 03-21-2016, 07:29 PM
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ANFSCD: Maxcare in Florida

The world seems to have changed since I bought my Lifetime Contract from Chrysler in 2012.

What I am being told is that a Maxcare Lifetime Service Contract must be sold by a Florida dealer to contain all of the Florida provisions.

The dealer we have been dealing with claims no knowledge of the Chrysler Maxcare (is pushing a third party).

Does anyone know of a reliable Florida dealer who sells the Chrysler Lifetime Maxcare ? (some of the online dealers do not even list Florida) ? YWTK

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Old 03-21-2016, 07:43 PM
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Re: ANFSCD: Maxcare in Florida

There has been chatter about this that I've seen that indicate more or less that a) the special Florida provisions do have to be sold by a dealer authorized to sell in Florida and b) the Florida sellers cannot discount off list price. The latter would be a deal-killer for me if I lived in that state and I'd likely willingly sacrifice something like transferability of the lifetime contract in order to get a better price.

The dealer pushing third party isn't doing that because they "don't know about the Mopar contract"...they are doing it for profit reasons.
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Old 03-21-2016, 10:08 PM
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Re: ANFSCD: Maxcare in Florida

"b) the Florida sellers cannot discount off list price"


I am not sure where this mythconception came from but it is not true. In fact the Florida law says "By July 1, 2011, each service agreement sold in this state must be accompanied by a written disclosure to the consumer that the rate charged for the service agreement is not subject to regulation by the office. A service agreement company may comply with this requirement by including such disclosure in its service agreement form or in a separate written notice provided to the consumer at the time of sale." Chapter 634 Section 121 - 2015 Florida Statutes ("the office" is:
Office of Insurance Regulation
200 E Gaines St, Tallahassee, FL 32399
(850) 413-3140)
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Old 03-21-2016, 10:21 PM
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Re: ANFSCD: Maxcare in Florida

ps (don't seem to be able to edit) what Chrysler does not like is this (same citation)


"All motor vehicle service agreements are assignable in a consumer transaction and must contain a statement in conspicuous, boldfaced type, informing the purchaser of the service agreement of her or his right to assign it to a subsequent retail purchaser of the motor vehicle covered by the service agreement and all conditions on such right of transfer. The assignment must occur within a period of time specified in the agreement, which period may not expire earlier than 15 days after the date of the sale or transfer of the motor vehicle. The service agreement company may charge an assignment fee not to exceed $40."


Further the Insurance Office said that online sales by a company doing business in Florida is considered to have taken place in Florida even if the company's agent is elsewhere. This is the piece Chrysler was fighting the last time I looked into it.
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Old 03-21-2016, 10:44 PM
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Re: ANFSCD: Maxcare in Florida

Quote:
Originally Posted by padgett View Post
...each service agreement sold in this state must be accompanied by a written disclosure to the consumer that the rate charged for the service agreement is not subject to regulation by the office...
Obviously not a Floridian so have just been following this and was shocked when the "cannot discount" stuff started up as I had also found the above in my exploring. Extended Service Contracts are just pre-paid service agreements just like 3 oil changes for $200...no regulation there and certainly no rule a dealer cannot discount.

Now, maaybe they all have an unwritten, unspoken "understanding" to all charge MSRP...that's a whole 'nother discuss...
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Old 03-21-2016, 10:57 PM
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Re: ANFSCD: Maxcare in Florida

Florida rules are clear and simple...

All plans purchased by a Florida dealer, or purchased by a non-Florida dealer (who is licensed to sell to Florida residents) must charge Florida regulated prices.

Bottom line, those prices cannot be undercut, so they all charge the same inflated price (about 80% more than any other sate). To see this difference in action, try a quote on Ziegler's site using Florida, and then try same quote in another state. The difference will shock you. Btw, Ziegler (located in MI) is licensed to sell warranties in Florida.

www.chryslerfactoryplans.com

So unless you have another address in another state you can use, you're out of luck and need to pay $hundreds more.
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Old 03-21-2016, 11:01 PM
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Re: ANFSCD: Maxcare in Florida

well shiiiit! can you say lobby money?

thx
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Old 03-21-2016, 11:14 PM
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Re: ANFSCD: Maxcare in Florida

Quote:
Originally Posted by GoPlzGo View Post
well shiiiit! can you say lobby money?

thx
You got it. The Florida dealers realized that Floridians simply purchased their warranties out of state for a much better price. They complained to corporate FCA and FCA caved in. New rule since Jan 1... all mopar dealers selling warranties to Florida residents could no longer undercut Florida dealers.

However...nothing wrong with using your out of state address when purchasing the warranty out of state. Don't ask me how I know.
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Old 03-21-2016, 11:59 PM
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Re: ANFSCD: Maxcare in Florida

" They complained to corporate FCA and FCA caved in. New rule since Jan 1... all mopar dealers selling warranties to Florida residents could no longer undercut Florida dealers. "


Maybeso but Florida has nothing to do with it. The state has not regulated prices for years. But this just means we need a Florida dealer to sell online and discounted. Fields maybe ?


Still begs the question: who set the rate for Florida dealers ? Wasn't Florida, it just says a service contract must be transferable. Once.
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Old 03-22-2016, 12:13 AM
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Re: ANFSCD: Maxcare in Florida

If buying a Jeep in Florida, can't you just pay the full contract price and have them take an additional discount off the vehicle price to be competitive? I know they will squawk and keep telling lies etc. but a dealer might bite to get a sale???
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Old 03-22-2016, 06:01 AM
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Re: ANFSCD: Maxcare in Florida

Quote:
Originally Posted by padgett View Post
Maybeso but Florida has nothing to do with it. The state has not regulated prices for years. But this just means we need a Florida dealer to sell online and discounted. Fields maybe ?

Still begs the question: who set the rate for Florida dealers ? Wasn't Florida, it just says a service contract must be transferable. Once.
Quote:
Originally Posted by Dan JGC View Post
If buying a Jeep in Florida, can't you just pay the full contract price and have them take an additional discount off the vehicle price to be competitive? I know they will squawk and keep telling lies etc. but a dealer might bite to get a sale???
Unlike other states, in FL, car warranties are regulated by state insurance statues, and because of this, like insurance, prices are fixed to counter fraud and abuse. If you sell car warranties in Florida (like selling insurance in Florida) the prices are fixed and there is no price competition (the minimum price is fixed, but they can charge more).

To get around this, smart FL buyers found out they could simply buy car warranties out of state (any state) and save a ton. This 'loophole' got so popular, the dealers (especially FCA dealers with their 'Lifetime' plan) complained to their corporate offices and FCA responded. Out of state dealers were informed (I believe Jan 1) that no MOPAR warranties could be sold to Florida residents unless they also complied to this fixed pricing - no undercutting FL FCA dealers any more.

What they can't do however, is get around the fact that people live at address in more than one state. There is absolutely nothing wrong (for now) with buying a Mopar policy with your other state's address, even though the car is used and registered in FL. The paperwork gets mailed to the out of state address, but the policy follows the VIN so you are covered by FL dealers (they don't know or care when you moved to Florida). By the way, you get the policy emailed to you as well which allows you to print it and keep it in the glove-box.

The only caveat is that if you ever cancel the policy, you are mailed a refund check to that out of state address. Easily solved by transferring your address with MOPAR Warranties after you buy the policy.

Edit: I believe its even easier to get a refund check mailed to your FL address... you simply tell them your new address when you request the refund.
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Old 03-22-2016, 08:53 AM
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Re: ANFSCD: Maxcare in Florida

Just looked at the (FCA US LLC issued) Service contract .


Just above the signature block it says "Consumers in the State of Florida: The rate charged for this agreement is not subject to regulation by the Florida Office of Insurance Regulation."


also references Florida license #65505
form 81-770-2100 (01/15)
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