Funny how life works that way, warranties are basically insurance where you're betting against yourself, and the house usually wins until the one time it doesn't. I see the same thing with phones, appliances, even roofs, people skip the coverage to save a few bucks a month and then get hit with the whole bill at the worst time. That thousand mile thing stings though, seems like they could've given you a break since you were barely over. Buy it through the dealer only if you plan to keep the car past the factory cap, otherwise you're just paying for peace of mind you might never use. And yeah, people do get claims paid, but you have to read the fine print because a lot of those plans fight you on anything that looks like normal wear.