Has anybody had any expierence with a warranty company? I know there is a ton of hype out there from what is covered. CarChex quoted me a bumber to bumper for four thousand. however, they were risk retantion which means if they go out of biz (which many do) I am stuck with nothing but a peice of paper. Now a direct insurence policy is protected by the state or a board of guidelines I think? I may be wrong on the last part...

If anybody has any thoughts are companies they have delt with please pass the info along.

Mark