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Old 03-09-2022, 04:18 PM   #1
wegone
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Axle whoa continue...

I got today.....

Now what?

Good Afternoon,

I just left you a voicemail at 2:49 pm on Wednesday March 9th.

When I contacted Assurant, your Extended Service Contract company, this afternoon to see what their verdict was on your claim, they informed me that under Exclusion #11 that the bent axels will not be covered.
Assurant advised me that I will need to resubmit a parts and labor estimate for the failed leaf springs then resubmit for authorization. I have already submitted the necessary paperwork to our Parts Department to start this process. I will update you throughout this process.

If you would like the number for Assurant so you may discuss their decision their phone number is: 866-769-8097. You will need the last 8 digits of your vin number and those are; KX434177.

Respectfully,

Resa Quinones
Service Advisor

Someone wants to explain to me when something fails under warranty and causes additional damage, its not covered?

I believe the axles have their own warranty from Lippert too, right?

Goodness, a year and a half of camping with a brand new trailer, and I have never hit a dang thing, or jumped curbs, etc....nothing.

Open to any help, suggestions, I have not responded yet.

Thank you.
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Old 03-09-2022, 04:58 PM   #2
JRTJH
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I'm not sure whether Lippert's axle warranty would cover the specific condition that caused your axle failure, as that depends on how the dealer/repair center documents the failure and how they report that to either your extended warranty and/or to Lippert. So, what they put on paper is far more important than what they tell you "ought to be covered".....

You can access the 2K-7K spring axle owner's manual here: https://lci-support-doc.s3.amazonaws...cd-0001412.pdf

The Lippert warranty is found on page 34 and covers the following:

Limited 1 Year Warranty – grease and oil seals for all Products.
Limited 6 Year Warranty – spring axles and suspension systems.
Limited 11 Year Warranty – torsion axles

The warranty is only provided for the original owner of the axle/spring assembly and is not transferrable, so it only applies if you bought the trailer new and are the first owner.

So, your "Lippert axle beam" should be covered for "failure caused by defects in materials or workmanship" but not covered for "failure caused by another component"... The springs carry the same warranty as the axle beam, so if the "Lippert spring failure caused the axle beam damage" then the Lippert 6 year warranty SHOULD cover the repair costs.

All that said, depending on "what the dealership reports" is the key to approval/disapproval of the warranty"....

As an example, if they report, "Axle beam/spindle bent causing premature tire wear" they probably won't "see the defect in materials or workmanship".. On the other hand, if the dealer documents: "The spring does not have sufficient strength to properly support the trailer weight, resulting in premature tire wear that caused the tire to fail which resulted in the axle beam/spindle to be bent beyond repair limits. The trailer, suspension, springs and axle beam were not overloaded and show no evidence of damage caused by an accident or misuse"....

You can hopefully see how one "warranty request" only gives a fraction of the explanation and will likely not be approved while the other give a much better explanation and hopefully would result in a favorable decision.....

It's "sad but true" that the dealership almost has to be an "English major with a passion for creative writing" to get approval on some warranty claims, but behing "detailed, precise and not allowing any room for denials is key to success. What the dealership's "warranty expert" puts on paper makes the request successful or causes it to fail.....

GOOD LUCK !!!!!

Well
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Old 03-09-2022, 05:19 PM   #3
JRTJH
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Here is a photo of how the axles are "stored and protected" at Keystone. As you can see, if one of your axles was on the bottom of the pile and happened to be "stacked the wrong direction" the spring could easily have been bent or damaged long before it was ever installed on your chassis. I'm not suggesting that's what happened, but rather highlighting one of many "possible reasons why your axle/spring failed or was thought to be a flat spring" even though you never hit anything and never damaged your axle...

And, there's always the possibility that the transport driver that towed your trailer to the dealership might have hit a pothole, run over a curb, ran off the road or one of many other possibilities, damaged your axle before you ever laid eyes on it for the first time..... I'm not saying any of this happened, rather, you can't always be sure that it didn't happen.....
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Old 03-09-2022, 05:19 PM   #4
dutchmensport
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Warranties and extended warranties are full of exclusions. And unfortunately, when you purchase the warranty, you usually do not understand what that means until it too late.

Case in point. We moved into a new house about 22 years ago. When we purchased the house we got the home warranty with it. We moved in. The first rain, the roof leaked into the kitchen. No problem ... we had the warranty.

We called the warranty company, they set up a repair with a local roofing company in Indianapolis. They came out, did the estimate and told us what our "Bill" would be. We were shocked. The "Bill" was something like $500. What!

Well, upon farther investigation, the leak was occurring around the chimney and down a valley. The home warranty guaranteed the shingles themselves. It did NOT cover the flashing AROUND the chimney, nor the labor to do the work. It only warranted the shingles. So, the $22.75 for a single bundle of shingles was covered under the "warranty" and we had to pay the rest.

Really, true story!

So, good luck. It's a racket, a scam, and gullible people like us buy into it and discover when it too late we got taken to the cleaners!
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Old 03-09-2022, 05:21 PM   #5
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I hate so say it again: extended warranties are a giant rip off. The carry commissions as high as 50% to the selling salesman so they heavily pressure the customer to sign on before they leave the dealership. The contracts, as you have found out, have more holes than a Swiss cheese. Yes, some people are lucky and get a big claim covered, but most of us would be better off just putting the money in the bank and using it to "self insure" If you don't call in before you get towed, use the correct towing service, start repairs before getting authorizarion, use the proper parts...on and on.
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Old 03-09-2022, 05:34 PM   #6
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THANK YOU guys so much.....

Great replies

Here is the weird thing, they went ahead and did the wheel bearings on all four hubs, and then after the fact said I needed the axles, etc...?????

Why would you work on something that was not good to begin with, odd.

I do know someone at the dearlership raised that question already, but I have no answer.
I bet they try and charge me for that even if I get new axles

I will call tomorrow, try and gather more information, I just wanted to get some input from you guys before I do....THANKS!

edit: BTW, Resa Quinones, the service advisor, she has been really helpful, I have no complaints about her, just wanted to make that clear
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Old 03-09-2022, 05:50 PM   #7
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Quote:
Originally Posted by Island Eddie View Post
THANK YOU guys so much.....

Great replies

Here is the weird thing, they went ahead and did the wheel bearings on all four hubs, and then after the fact said I needed the axles, etc...?????

Why would you work on something that was not good to begin with, odd.


I do know someone at the dearlership raised that question already, but I have no answer.
I bet they try and charge me for that even if I get new axles

I will call tomorrow, try and gather more information, I just wanted to get some input from you guys before I do....THANKS!

edit: BTW, Resa Quinones, the service advisor, she has been really helpful, I have no complaints about her, just wanted to make that clear
You'd be amazed at how many people want the bearings repacked, mention another axle issue, then when the dealer drags the trailer into the shop, inspects the axle, sees another problelm, works a warranty issue that gets denied, calls the owner and hears, "Well, just repack the bearings and I'll deal with the axle replacement later"....

So, since the trailer is in the shop, on jacks, the work order calls for repacking the bearings..... Do what the customer wanted done and prevent having to jack it up, remove all the wheels and double doing the work two or three weeks from now....

It may not make sense to you or to me, but to the dealer who's paying a mechanic's hourly rate, not doing work twice is always a factor....

I'm NOT agreeing with the practice, just saying what I've seen more than once, when a customer doesn't want to pay for an axle change that's denied by warranty but still wants the original work done.....
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Old 03-09-2022, 06:05 PM   #8
wegone
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You'd be amazed at how many people want the bearings repacked, mention another axle issue, then when the dealer drags the trailer into the shop, inspects the axle, sees another problelm, works a warranty issue that gets denied, calls the owner and hears, "Well, just repack the bearings and I'll deal with the axle replacement later"...

It was made very clear we wanted the axle issue attended to first, however, I only thought it was the back axle, you could see that, if you look at the picture in my original post.
The front axle is straight, as far as I can tell, and tho the pictures not that great, the leaf springs appear as they should, not flat, or?

I guess if I had saw the "damaged" components, it might make more sense to me.

On another question, how many folks have been "flagged" down by others driving behind you, that they were concerned about your trailer?

That to me is a major piece to the puzzle, happened twice, the last two pulls.
Not once did I get anyone doing that all the way to Yellowstone and back.
The very next trip, I did, all highway driving.
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Old 03-09-2022, 06:19 PM   #9
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I don't have those answers. A long conversation with the dealership service manager might get you some answers. Long distance "relating previous experiences" won't get what you're looking for. Sorry
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Old 03-10-2022, 07:29 AM   #10
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No, I wasn't expecting that question to be material to them, I bet they get all sorts of stories

My question was directed at folks here, if they have experienced another motorist that flagged them down over trailer concerns while traveling....

I will try and find some answers today, wish me luck
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Old 03-10-2022, 08:11 AM   #11
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Just a comment on "extended warranty policies", they are a policy because they are an insurance policy. Just like most policies they are betting they won't be used. Filing an expensive claim will often not be sucessful if a "proper case" isn't presented. On larger claims expect an adjuster to get involved to "haggle down" the cost with the repair facility.

The overwhelming odds are in their favor. Like the odds in a casino "the house wins" the majority of the time. When we bought our first new camper we were about to close a deal when the salesman asked if this was our first new camper. We weren't trading a camper so I said yes. He assumed it was our first camper. He said the bank would "require" us to buy an extended warranty to approve financing. I reached into my pocket and pulled out a blank check from our credit union and a letter guaranteeing the the check up to an amount that far exceeded the price of the camper. I said funny, my credit union didn’t mention that but no matter, I won't be using this here. Yah, they'll say anything to make money.
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Old 03-10-2022, 08:32 AM   #12
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GREAT story flyboy

Ya know as I sit here pondering what this day might reveal....
I am certain of one thing.

I am blessed to even have the wonderful experiences this trailer has brought me and my wife, thus far.

I need to keep that in focus.

Many folks never get the opportunity to have "toys"

Thank you all for sharing.....
Life is best, when shared.

I guess that message really hit me HARD, last week as I talked to all the service folks in rehab.

They gave part of their lives to serve others.....

I took it for granted, I am a turd.

One of the guys I shared a lot with, he returns back home today.
He has a wife, two small kids.
Believe me as I say, he will be TESTED.
His name is Steve, please pray for him, he'll need it.
Hearts are guarded, and he needs love, both giving and accepting.
Pray he can remain sober until the fears abate...

Thank you guys
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Old 03-10-2022, 09:19 AM   #13
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Yes are problems are relative, just like the old story " I was sad I had no shoes until I meet a man with no feet". A safe warm home, fresh food in the fridge, and able to enjoy life far beyound just survival. We all make mistakes, we all have skeletons in the closet, and we all have our demons to fight, we all are human.
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Old 03-10-2022, 09:24 AM   #14
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My extended warranty (Wynns ) story is probably like most- The representatives first line was to direct me to a certain line item buried in the contract that they could use to deny almost any claim. Super arrogant, smug SOB. I wanted to pull him through the phone line and do things to him you go to prison for.

In 2001 we bought a used Expedition and the extended warranty that "covered everything". Within a year we had a leaky rear axle seal and took it to the local dealer. Once the mechanic had it apart he told me that the outer bearing had spun and the warranty company would not cover it. Their "out" was "You continued to operate the vehicle after the failure". There was no noise or grinding, the bearing actually was good. The mechanic and I both could not understand how it spun in the housing but seemed to be fine.

Speaking to Mr Personality, I told him I and the mechanic drove the vehicle before the repair and neither of us had no indication of any problem except the seal, and how could we possibly know until we physically saw the issue. "Too bad, we're not paying. You continued to operate the vehicle after it was damaged" So I said "By that logic, if something in the engine failed and started making noise, the time it would take me to pull over counts as continuing to operate the vehicle after failure?" Devil Reincarnate says "Haha yes that's correct".

To say I was Furious was an understatement, and to this day any offer of an extended warranty gets an almost visceral reaction to the poor sales people.

Oh, and I dollied the truck home and rebuilt the rear end myself since it wasn't covered. The local dealer (Not where we purchased the truck and warranty) was great through the whole process.
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Old 03-10-2022, 04:44 PM   #15
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Well I have some answers after talking to the Service Advisor and a person at Assurant, which the Good Sam contract uses.

First off, the Service Advisor is great, she really went to bat for me with the "first" inspector, who had a hard time getting under the coach, not sure he ever did.
She was out there as was the service manager.

The exclusion 11, is regarding axles, its pretty much a given that folks damage their own trailer, then expect the extended warranty to cover it.

Its like JRTJH remarked, its how the damage report is worded.

CW is 100% on my side the leaf spring components failed FIRST, which they at Assurant will cover, and the damage it caused to my underside, which I didn't even know I had, and they are stating it in their report.

Also, Lippert is involved now, I guess they will ship new axles if the extended warranty is still not covered.

I agreed to pay for them to measure the axles, etc, to ascertain the correct size is shipped. Seems Lippert has some strict guidelines that you must adhere to.

I feel pretty good after talking live to people and hope I get to give all concerns a big SHOUT OUT when this is behind me and we are back on the road....IF, I can afford gas in my truck

Thanks everyone, your input really helped
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Old 03-10-2022, 05:12 PM   #16
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Congrats on the progress. Hopefully they get things done without delay and more angst.
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Old 03-10-2022, 06:35 PM   #17
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Originally Posted by flybouy View Post
Congrats on the progress. Hopefully they get things done without delay and more angst.
Thank you Sir......

Most folks are just trying to make a living, and be happy.

A few bad apples ain't gonna ruin my pie, not when I smother it with ice cream
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Old 03-10-2022, 06:50 PM   #18
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Frustrating thing for me these days it seems more and more frequent that you have to do other's jobs to get something done and everything that should be simple is a fight. I can't understand why some people will spend more time and energy trying to avoid work than it would actually require to just do the work. Apologize for the detour, rant over.
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Old 03-17-2022, 07:53 AM   #19
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At nearly 74 I’ve never purchased an extended warranty. I’m many 10s of thousands ahead. I had one dispute with Ford and they covered after at 5 minute call. They missed the 1st attempt under warranty failed and covered beyond the mileage on 2nd attempt at a different shop. Ford later sent a $250 Visa card for the “inconvenience “ .
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Old 03-17-2022, 08:03 AM   #20
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Yes Captain I understand its a moneymaker for them, just like Vegas wasn't built on paying out to all the WINNERS

Here is my story, and I'm sticking to it.....

I am a plumber by trade, just 5 years behind you in age.
Sure, you quickly learn as a greenie that poop rolls downhill, payday is on Friday, and to stop chewing your fingernails....

HOWEVER, it can take years, if not longer, to understand the significance to why water will seek the path of least resistance.

My wife wanted it, I purchased it. She's a great cook
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