Fidelity - 2014 Mercedes E63s M157 Engine Failure @ 60k miles
09-02-2023, 09:33 PM
#26
Super Member
did you read my entire reply? 😊
the OP wasn't told he may have OOP expenses if "his engine died" rather he said he was essentially told that it would be totally covered. It may not have made sense for him to buy the warranty and the car as well if the warranty detail was clarified with him. He may have decided to buy a used super sedan based on the promise of a Fidelity warranty. Should he have to pushed more to find more detail on the warranty? caveat emptor - sure, probably but at some point we need to place some trust in the seller simply for the sake of efficiency and getting out of the dealership before dark.
I definitely see what you're saying and for a certain consumer it makes so much sense, and perhaps you can see my point as well.
the OP wasn't told he may have OOP expenses if "his engine died" rather he said he was essentially told that it would be totally covered. It may not have made sense for him to buy the warranty and the car as well if the warranty detail was clarified with him. He may have decided to buy a used super sedan based on the promise of a Fidelity warranty. Should he have to pushed more to find more detail on the warranty? caveat emptor - sure, probably but at some point we need to place some trust in the seller simply for the sake of efficiency and getting out of the dealership before dark.
I definitely see what you're saying and for a certain consumer it makes so much sense, and perhaps you can see my point as well.
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09-02-2023, 10:07 PM
#28
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E55, GLS450, GL63, GLE350
Would they cover an engine from Blackboost or Renntech? Not sure if they offer a warranty with their engine work but you should be able to find someone willing to do a rebuild with a warranty. The nationwide with parts and labor included warranty will be the tough part. I would call a bunch of dealerships and see who can do it within your budget and have it shipped.
09-02-2023, 11:01 PM
#30
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Having bought this warranty and many others before, it is very clear what and how much is covered. Anyone that doesn’t read the contracts are the ones at fault imo, not the salespeople. I didn’t even talk to my sales person about it because I knew it was upon me to read the contract and become an expert because I would be the one fighting my claims, not some random sales guy. We are often talking about some off the largest purchases an individual can make so understanding the ENTIRE money proposition is important and it often boggles mind when so many people with so much money don’t understand a simple written contract….
he also would have needed to know the market price for a new warranty approved m157 engine and labor involved with installing it, and would have then compared that cost against the value of the car as it depreciates on the market of used e63's at the time the engine would blow (in the coverage period of the warranty). But yeah, as I said, caveat emptor. Consumer prudence is key.
Some of these things are a bit ambiguous and perhaps with these Rumsfeld "known unknowns" he should have walked away from a used (and potentially modded) e63S (based on being financially risk averse). The lure of a "warranty that'll cover a blown engine" probably gets lots of people to fork over the cash.
$0.02
Last edited by PeterUbers; 09-02-2023 at 11:06 PM.
09-03-2023, 08:52 AM
#31
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Another data point for the manila file folder: warranties aren't what they appear to be.
Even with a Fidelity warranty, which gets more praise than others, grey area or lack of 100% transparency as viewed from the consumer's eyes, is always a factor.
Self-insurance with high performance German cars is best. Third-party insurance (warranty) may or may not be helpful, and will most likely not be as helpful as hoped.
Even with a Fidelity warranty, which gets more praise than others, grey area or lack of 100% transparency as viewed from the consumer's eyes, is always a factor.
Self-insurance with high performance German cars is best. Third-party insurance (warranty) may or may not be helpful, and will most likely not be as helpful as hoped.
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09-03-2023, 09:20 AM
#32
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Another data point for the manila file folder: warranties aren't what they appear to be.
Even with a Fidelity warranty, which gets more praise than others, grey area or lack of 100% transparency as viewed from the consumer's eyes, is always a factor.
Self-insurance with high performance German cars is best. Third-party insurance (warranty) may or may not be helpful, and will most likely not be as helpful as hoped.
Even with a Fidelity warranty, which gets more praise than others, grey area or lack of 100% transparency as viewed from the consumer's eyes, is always a factor.
Self-insurance with high performance German cars is best. Third-party insurance (warranty) may or may not be helpful, and will most likely not be as helpful as hoped.
self-insurance=out of pocket
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09-03-2023, 11:26 AM
#33
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I want to clarify I am not at all knocking Fidelity - they are honoring their contract and paying a hefty bill, though unfortunately for the customer it won't cover the entire cost of the repair. Certainly there is debate as to who has responsibility there but I agree that if it was defined in the contract then it's the consumers job to read and understand that contract 😊
Fidelity is still on my list of worthy aftermarket warranties to purchase based on otherwise good feedback.
Fidelity is still on my list of worthy aftermarket warranties to purchase based on otherwise good feedback.
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09-03-2023, 12:42 PM
#34
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I want to clarify I am not at all knocking Fidelity - they are honoring their contract and paying a hefty bill, though unfortunately for the customer it won't cover the entire cost of the repair. Certainly there is debate as to who has responsibility there but I agree that if it was defined in the contract then it's the consumers job to read and understand that contract 😊
Fidelity is still on my list of worthy aftermarket warranties to purchase based on otherwise good feedback.
Fidelity is still on my list of worthy aftermarket warranties to purchase based on otherwise good feedback.
Both parties bear responsibility - the consumer for understanding what he/she signs, and Fidelity for making their products easy to understand. After the deal is signed, the deal is done. Fidelity is holding the cards, because they are holding the (claim reimbursement) money.
It's an unbalanced relationship in favor of the insurer, as usual. That's a reason why self-insurance is the best option, if possible.
Last edited by chassis; 09-03-2023 at 12:46 PM.
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09-03-2023, 02:44 PM
#35
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On the shoulder
Warrantees do have another purpose - they allow the customer to sleep better at night. I paid $2,500 for a two year warranty for my E63 (in 2020). It paid out for a new coolant tank - nowhere near the $2500 cost of the warranty. But I did sleep well at night. I did have an understanding, though, that if my motor blew, the warranty probably wouldn't do much. I've heard too many examples of motors blowing (not just in the Merc world) and warrantees not covering much - maybe up to half of the motor swap.
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09-03-2023, 03:09 PM
#36
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Regular insurance doesn't pay more than the value of the car, so I don't understand why we hold a third party warranty company to a different standard.
Also, if the Fidelity contract covered up to $60K for a blown motor it would cost a lot more than a few thousand. Given the higher probability of this event than say a Toyota engine blowing up, the underwriting for these needs to make sense to offer it as a product.
Also, if the Fidelity contract covered up to $60K for a blown motor it would cost a lot more than a few thousand. Given the higher probability of this event than say a Toyota engine blowing up, the underwriting for these needs to make sense to offer it as a product.
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09-03-2023, 03:19 PM
#37
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Regular insurance doesn't pay more than the value of the car, so I don't understand why we hold a third party warranty company to a different standard.
Also, if the Fidelity contract covered up to $60K for a blown motor it would cost a lot more than a few thousand. Given the higher probability of this event than say a Toyota engine blowing up, the underwriting for these needs to make sense to offer it as a product.
Also, if the Fidelity contract covered up to $60K for a blown motor it would cost a lot more than a few thousand. Given the higher probability of this event than say a Toyota engine blowing up, the underwriting for these needs to make sense to offer it as a product.
Exactly
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09-03-2023, 05:42 PM
#39
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2014 E63S; AMS 100 octane ecu tune; edok tcu tune; BB intakes; dyno tuned
The real frustration is how expensive an m157 motor is ... is an s63tu or s63tu2 also this cost prohibitive to replace on a 9 year old M5? Makes me appreciate a corvette LT1.
09-03-2023, 08:47 PM
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On the shoulder
I have seen a 212 with a TT LS swap. Making good power (of course) and sounding great. But, not quite the same sound as the AMG motor. I believe that 212 originally started out life as an E350. I'll see if I can find it.
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09-03-2023, 09:38 PM
#42
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Why: m157
How: high speed highway run https://mbworld.org/forums/w212-amg/...ml#post8796367
How: high speed highway run https://mbworld.org/forums/w212-amg/...ml#post8796367
09-04-2023, 04:56 PM
#43
A little too much turbo flutter for my tastes...
https://www.youtube.com/watch?v=Xp_Qe4hNbzw
Edit - comments say it is pro charged not turbo
https://www.youtube.com/watch?v=Xp_Qe4hNbzw
Edit - comments say it is pro charged not turbo
09-05-2023, 07:03 PM
#44
A little too much turbo flutter for my tastes...
https://www.youtube.com/watch?v=Xp_Qe4hNbzw
Edit - comments say it is pro charged not turbo
https://www.youtube.com/watch?v=Xp_Qe4hNbzw
Edit - comments say it is pro charged not turbo
