I did a quick internet search on Ripoff Report and found that they are listed under Smart Auto Warranty/Carchex. They seem to have problems with paying. They're sort of like a health insurance company. They figure what the parts should cost and then that's what they pay. You get a decent insight into how they operate from reading the reports if you can put up with the typos and the lack of correct spelling that people who post on there seem to indulge in. I'd see if you can get an extended Chrysler warranty first. I know my car is covered for everything up to 80,000 miles with a $100 ded.