Dear Elmir; Mike Jones here, owner, Autopom. I wanted to respond personally to your recent review. I understand how disappointing it is to hear that your claim has been denied. Unfortunately, our plan administrators can only approve claims according to the specific level of coverage that you purchased (as stated in the contract). You requested a quote from Autopom in October of 2012 and specifically asked to see all levels of coverage. The selling agent sent three quotes for Mercury's Platinum, Gold and Silver levels of coverage. You chose to move forward with Mercury's middle-level "Gold" coverage instead of the "Platinum" top-level plan. Gold coverage is a named component coverage plan and covers components that are specifically named in the contract. Unfortunately, the component that failed (oil cooler) was not listed on the Gold plan. Your claim would have been fully covered under the Platinum plan. Here at Autopom, we work very hard to explain to potential customers the difference between the coverage plans at the time of purchase. Unfortunately, in your case, I think we could have done a better job and I will commit to work on that. On a positive note, I see that Mercury did approve 5 of your 7 claims, paid over $1,200 in claims on your contract and sent you a pro-rated cancellation refund. Please let me know if I there is anything else I can do to resolve your issue with our provider.