How Do Extended Car Warranty Plans Handle Major Repair Claims And Exclusions?

I am researching extended warranty options for my vehicle and trying to understand how these plans actually work when a significant mechanical problem occurs. The price is important, but I am more concerned about whether the coverage is practical when an expensive repair becomes necessary.

I have seen Premier Auto Protect mentioned while researching providers. Has anyone had direct experience with their coverage, particularly when submitting a claim for an engine, transmission, electrical, or other major component? I am interested in hearing how straightforward the authorization process was.

For people who have previously decided to purchase car extended warranty coverage, what part of the contract ended up being most important? I keep seeing references to exclusions, deductibles, labor limits, and covered components, but it is difficult to know which details deserve the most attention before signing.

I am also wondering how pre existing mechanical issues are treated. If a vehicle has a problem shortly after purchasing the warranty, what kind of inspection or maintenance records might be required to establish that the issue was not present beforehand?

Another question concerns repair facilities. Can the customer choose an independent mechanic, or does the provider require repairs through specific shops? If the repair shop finds additional damage after beginning the work, does the warranty company normally need to approve those additional repairs separately?

If anyone has compared Premier Auto Protect with other providers, what differences should I pay attention to besides the quoted price? I want to purchase car extended warranty coverage that has reasonable terms rather than simply choosing the cheapest option.

Would you also check cancellation rules and transferability before deciding to purchase car extended warranty coverage?