Ownerguard

Just finished my insurance claim. Out of the $ 1200 I had financed into my contract, these fly by night yaa-​hoos paid out $ 199.00 after my car was stolen and my car wrecked. Mind you, they insist on faxing items that they had consistently «lost». When confronted about their business practices, I was told that the amount would be paid «only in a perfect world». Then, after a conversation with one of their troglodytes, I was told that «Sorry, you shouldnt be complaining and that they were surprised that a high payment was paid. Thanks Owner Guard, your despicable disgusting business practices have now ensured that I am now paying on a car that I no longer own. Even after I described that my four children are now walking, the response was a «sucks to be you» response.
Well, in life there are lessons that need to be learned or they will be repeating themselves. Thanks for the lesson a**holes!

Interesting to see Owner Guard deleting my original post 7 months ago but here’s an «UPDATE». So after owner guard giving the run around, rescheduling the original date I set up and finally officially going to court to present my case; the representative for them was willing to go into mediation to hearing me out. I was thorough with documentation and my explanation, pointed out key flaws with their contract which they had no choice but to admit their loss and their wrongs for trying to deny my claim.
Long story short it was so worth the time to go to small claims because I won the $ 6k+ I sued for without having to even see the judge. I’m sure every case is different but in regards to trying to deny a gap claim because of a traded in vehicles upside down balance that rolls into the new vehicles total balance being financed is invalid and breach of contract. The main reason for gap is if you experience a total loss and your primary insurance pays only the portion for the vehicles worth, standard theirs a left over balance still owed to the bank which gap is to come in and take care of for you. Don’t let them fool you or bully you into thinking otherwise with their mailings, big words and bs. Good luck

Owner guard gap insurance should be Owner guard crap insurance! They don’t pay or return calls. Nine months after my accident and still no action from Owner guard. Bad Bad business
I bought a 2014 Rouge from Empire Nissan with Owner Guard gap insurance .
We made the first car payment and then we got hit from behind on the freeway, My car was totaled out. My husband and I were both out of work for 2 months, our business was closed down .
We immediately contacted Empire Nissan who we purchased the car and gap insurance from, Alli from Nissan said «No problem, It’s all taken care of, you have gap insurance, don’t worry your covered !» Alli then said he would contact Owner Guard and take care of it. So we believed he was going to take care of it or us …
So Alli sold us another car from Empire Nissa and Owner Guard gap Insurance. ., We trusted Empire Nissan and believed that we were taken care of. They really seem so sincere, but that’s just a sales pitch .
Immediately our car insurance, Farmers paid out the balance of the Rouge less eight thousand, which is what the loss of value once you drive your car off the lot.
That was in August 2014, we are now in April 2015.. Owner guard has delayed delayed and lied and asked for the same paper work 3 –4 times. They said they never got any of our paper work. So we sent it registered mail and can’t read the signature. Owner Guard claims still didn’t get it or couldn’t find it .
The finance company keeps sending notices We are now in default. They want the money. OwnerGuard and Empire Nissan are very unethical. I do not want to do business with either one and I strongly recommend staying away from both .
Empire Nissan is not taking responsibility for selling up such crappy insurance. They should stand behind the products they sell with pride but instead they hide behind them in shame and avoid facing us. The general manager John pretended he was so concerned and told me to come to him personally if I had any problems, and when I approached him he wouldn’t come out of his office.
Owner guard doesn’t want to pay its del delay, they keep finding all these excuses why they don’t have to pay and need more paper work .
I am very unhappy with the Empire Nissan for selling us and OwnerGuard crap insurance. Our credit is ruined. i strongly suggest that you NOT buy gap insurance from a dealership .Especially NOT Owner Guard you can get a better deal from a credit union and the credit union will take care of all your paper work for you. Credit unions have reputable gap insurance companies they deal with, not like car dealerships, who only care about their pay check.
Besides being injured in the car accident we have had to live this horrible nightmare dealing with OwnerGuard .
I hope this helps people in the future to avoid going through what we are experiencing with Owner Guard crap insurance and Empire Nissan.

If I could select no stars as a rating I would because that’s exactly what they paid for the gap coverage. They strung me along for months sending everything they asked for Then they would call a week later saying they didn’t receive everything so I resend and a week later call again we need this and than. Finally after 3 months they call me to say my claim has been denied and nothing was going to change there decision. Trying to recoup my 5 thousand still owed I called to cancel my contract with them. I get a letter saying that has been denied because I filed a claim. Wow have I learned a lessen DO NOT USE this company. I would have been better off getting gap coverage from the bank my loan was from no questions asked they would have paid everything if I had. You bet on the new car I bought I did not use this good for nothing company

When you read the fine print you will find there are caps on engine and transmission repair. Bought my truck 6 weeks ago, asked for a Mechanical Protection Plan and purchased the drive train only plan for a whopping $ 1675 for 3 years and my transmission completely fails five weeks later. A snap ring breaks in the transmission and cracks the case. Got it down to my local Ford dealer and found out my warranty maxes out at $ 1900 for transmissions. The cost for the new transmission was $ 4600. I worked at a dealer and was the warranty manager and never have a seen this before. I called the dealer and was told I should not have taken it to Ford. I should have taken it to a transmission shop. Did I have a choice? The truck would not run and the Ford dealer was a mile and a half away. I’m so upset I can hardly type. Stay away from this fly-​by-​night outfit.

Let’s just see if checking no stars counts as ZERO because that’s exactly what they paid for the gap coverage on my car. Nope… so I rate 1 very reluctant star.
Thank God I have Mercury Insurance because they paid about 92% of of the principal leaving only a few hundred dollars to be paid by Owner Guard.

Pretty much a gang of frauds selling off insurance contracts and cheating people out their money. I personally had bought GAP insurance with them, payed off my car and cancelled the GAP. I was owed $ 319, they only sent me $ 68. They also subtracted processing fee twice. Very rude people on the phone.