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hello my name is robert i live in michigan and i got my zurich uh contract through my dealer when i bought my vehicle back in april of last year i chose the zurich because the dealer recommended it he said that there's a lot of other available contracts that you could get but their experience was that zurich was the best coverage you could get for the price that you pay and for their service and basically how they just they they take care of it they they don't ask a lot of questions and they realize that if your vehicle breaks down you you need it fixed so now actually it was a very easy a way to do things the dealer walked me through all the information showed me what i was spending my money to get and said that once i signed on to it and if i did need to use zurich that it was very simple to get a hold of them and to um get approval for what you need repairs it wasn't a lot of paperwork a lot of phone calls or steps to take so that's one of the reasons that convinced me that zurich was probably better than most of them to you it's funny because when i took my car in to have it fixed what happened was the transfer case went out on it and my mechanic called me and and he said i have bad news he said the transfer case even a used transfer case was going to run 24 to 2500 and i said yike i'm on a fixed income i'm retired i'm thinking well there there goes a chunk out of my savings and i mentioned to him i said well i have zurich coverage will they cover it and he's like well there's one where to find out let's give him a call and i said well i'll i can call him and he said oh no he says i'll take care of it so i gave him the vin off the vehicle and he he dealt directly with them he called me back about a half hour later and said good news he said zurich has no problem with covering the transfer case the only difference is he says i can't get a used one for you zurich is insisting that i buy a new one and a new one ran forty eight hundred dollars and i ended up only paying a hundred dollar deductible on that so as far as it being an easy painless way of doing it my dealer took care of my repair man took care of the whole thing so all i did was wait for the phone call and heave a sigh of relief that that was not going to be out 4800 it's funny i've never been a fan of extended warranties on appliances and being old school i did a lot of the repair...