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We won $10,000 in Small Claims Court for Diminished Value and $8,115 in Superior Court in Van Nuys, CA

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Yes! we won in Small Claims Court Civil Division Department P in Van Nuys, CA for the “Diminished Value”, in the amount of $10,000 plus court cost on March 12, 2019.

How did we do it?

Back in January I got a call from my client to write a “Diminished Value” report for his 2012 BMW 328i that had been rear ended when at a stop light by another driver.

I asked for the Estimate of Repair document to see the cost of repairs and it turned out to be over $17,000 in damages. I started to write the “Diminished Value” report that can be used in a court of law.

When I finished the “Diminished Value” report I sent it along with instructions on how to proceed.

First, my client had to send a Demand Letter to the Insurance Company of the driver that hit his car.  As expected, my client got a letter back from the Insurance Company that the claim was denied and the CA law does not have any such thing as “Diminished Value”.

Second, my client followed my instructions I sent him and filed a Small Claims law suit against the owner of the car that hit him and then got a court date to stand before a Judge.

On the day of trial I was with my client (Plaintiff) and we went inside the court room.  The owner of the car (Defendant) that hit my client’s car was in court with his Insurance Adjuster and we were asked to go outside and try to arbitrate.

The defendant’s insurance refused to arbitrate so we remained inside the court room to stand before the Judge.

The Plaintiff was called and he and I stood before the Judge. He told the Judge his Expert was with him and would like for me to speak about the “Diminished Value” and the Judge allowed me to speak.

First, the Plaintiff spoke about the accident and how it happened; he also stated the other driver admitted fault.

Now the Defendant’s Insurance Adjuster spoke and said, “Your Honor, he accepted the car’s repairs and he was satisfied and if he has any complaints he should return to the shop that did the repairs.” Then he also stated we had to prove loss of value and later when I spoke I did.

The Defendant reminded the Judge he was not in the court about the repairs but about the loss of money when reselling or trading the car in. The Judge asked me to explain the report and the formula I use to show “Diminished Value”. After I finished explaining the report and my findings and how I come to the loss of value which was far more than he can ask for which was over $17,000.

The Judge had another question for me, how to show structural damage.  I explained with a very simple and easy to understand of how this was, with that the Judge said, “One side here today will not like my judgement but it is final.”

After five days my client called me with excitement; we won the “Diminished Value” case for the full amount of $10,165.  This is the maximum allowable damage he can ask for plus court cost in a small claims court of law in CA.

I have been writing “Diminished Value” reports for law firms in NV and CA going on 8 years now, but mostly in superior court for attorneys.  This was my first small claims case on my own and we won that all my client was allowed to ask for.

If you have been in a car accident not your fault you are entitled to get “Diminished Value” and you can get it; it takes a little time but worth every minute you spend on.

You can contact me by way of e-mail and I will be willing to help you as well. Don’t let the Insurance Adjuster make you back down with their lies, telling you it is not allowed or you don’t have a claim because your car is fixed, that is a cover in hope you will back down and they win. Help is here and here to stay.

Feel free to contact me anytime because you can WIN in small claims court for “Diminished Value”. This case can be verified.  Tell a friend and get paid what is owed to you.

Thank you,

Jackie Winters

Lemon Protection

Lemon Law case WON for Honda Brake Concerns

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I had a Lemon Law case for brake concerns a few years back for a Honda Odyssey not stopping as soon as they should and locking up at other times.  I got a call from the customer who had been referred to me by their Lemon Law Attorney here in Los Angeles.

I set a time to inspect the vehicle for the customer and drove out to Redlands, California on a Saturday morning. The weather was clear and the roads were dry. I photoed the Honda Odyssey Van and did a walk around checking for damages as I always do and the van was very well maintained. I checked all fluid levels and inspected under the van for leaks at each wheel and then the ABS Anti-lock Brake System the Hydraulic Control unit and the Brake Master Cylinder. I photo the Van under side and brake parts, the VIM number and odometer before and after the road test, this is normal operation when inspecting a vehicle.

I did observe moisture at the Hydraulic Control Unit which made me to be extra cautious and photographed that moisture at the Hydraulic Control Unit and would be extra cautious during my road test. This brakes system is what the main concerns were when the customer complained about to the dealership for not stopping as it should and locking up the wheels at times.

I road tested the vehicle several miles as I do all vehicles and found the brakes at times in the rear would lock up as well as observed brake fading when holding the brakes down to stop, this is not normal operation. I finished the inspection and advised the customer to return to the dealership and show them the moisture at the Hydraulic Control Unit so she would be able to show the dealership Technician.

I returned to my office an did my research on ALLDATA for Technical Service Bulletins to see if Honda had published any Bulletin for the Technician could apply that to the problems on the vehicle.  There were no recalls but there was one Technician Service Bulletin on the brakes for brake leaking at the Hydraulic Control Unit and I was stunned to see what the repair was on this Odyssey Van. The Technician Service Bulletin actually had the Technician apply sealer to the leak at the Hydraulic Control Unit, my thought was this cannot be right because sealer will not hold on a Hydraulic control Leak.

I did my report and used that Technical Service Bulletin to show Honda knew about a brake problem with this New Honda Odyssey but the repair was not what I expected because sealer will not hold pressure or stop a leak in the brake system.

Several months later I was subpoenaed to be on the witness stand to show the Jury my finding as well as Video and Photo’s I had made during my inspection and explained how this brake system works and why sealer was not a good repair for it, it was unsafe and should not have been repaired under this Technician Service Bulletin. After my testimony the Technician for Honda disputed what I said and said the sealer was a good repair for this part. The Jury disagreed with his stamen and took the evidence I had and we won the case all the way across. The customer got a full buyback from Honda and the attorney’s fees and expert witness fees were paid.

The fact is brakes are a safety issue when not working properly which will include brake squealing noise when stopping, grabbing, groaning noise, pulling to one side, fading, vibrating when stopping, not slowing down or pulsating when stopping.

You can win in a lemon law case as long as you have it together, this customer had good records showing she had complained several times for her complaints and the fact is the factory will not make repairs unless it is a proven defect and repair attempts were made several times.  When a repair is made under the Factory Defect Warranty it is because it was verified and repair attempts were made. The Lemon Law applies to New and Used or Certified Pre-Owned vehicles.

Thank you and please pass it on if you like,

Jackie Winters

Lemon Protection@yahoo.com

800-700-0109

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Lemon Law Case Won on Electrical Issues

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Ford Explorer Electrical Issues

I am a Lemon Law Expert Witness and was thinking of a case I did a few years back on a Ford that was having Electrical Issue. The attorney’s client called me and I was told she was having electrical; issue with her Ford Explorer and needed an inspection. We agreed to a time I would be able to see her vehicle for the inspection.

On the day of the inspection I met with this lady and took her keys and started my inspection. I took pictures of the outside of the Explorer and the VIN numbers and the odometer for documentation. I examined the underside and photographed the oil leaking at the engine and transmission as well as found the tires were wearing on the inside. I checked the fluid levels and checked for loose parts in the steering system before I started my road test.

After I started the engine the first thing I observes was the instrument cluster started flashing off and on after I started the engine and was driving. I ran a scan for trouble codes and several trouble codes came up for control modules. I continue my road test and also observed the Transmission was jerking at times and I recorded the times it was jerking which was during the up shifts. I also checked the steering and the vehicle pulled left indicating an alignment issue. I made notes as I always do on my finding and continue the inspection road test.

When I ended the road test, I took a photos the odometer to show how many miles I had driven and then the inspection was over. I went back to my office and wrote my report and turned it over to the attorney and waited. Several months later we had a trial on the vehicle. I was on the witness stand and was asked what happen during my inspection and explained that to the Jury. I had photos and videos I made when I was doing my road test and proved he lied when the videos were shown.

The expert for Ford also did his inspection and to my amazement stated he did not witness any concerns and the vehicle was working as designed which was a lie, this is when I learned what goes on in a court room. The attorney called me after the case ended, I ask about the other expert and was told yes they will lie and do anything they can to win a case but the Jury saw what I had gotten during my inspection and believed be, we WON hands down based on the evidence.

You can win in a lemon law case as long as you have it together, this customer had good records showing she had complained several times for her complaints and the fact is the factory will not make repairs unless it is a proven defect and repair attempts were made several times.

If you have problems with your vehicle you can get help and you can win but you must have records of repairs on the concerns you have and have attempted to get those repairs made more than three times unless it is a safety issue which is two times, meaning Brakes or SRS Safety Restraint System. There are a lot of good attorney who can win for you but you must contact one of them. Thank you and pass the word forward if you need help or know someone who does. I am a certified Craftsman and certified by ASE, Detroit Diesel, Hybrid trained and a Certified Appraiser with over 40 years of hands on experience. I have also been on the witness stand over 58 times with over 800 deposition and have never been impeached.

 

Jackie Winters

Lemon Protection

800-700-0109 with any question.

 

 

 

 

 

2012 -2015 FORD Focus and Fiesta Transmission Problems

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Does your new Ford Focus jerk, shutter, bump and grind from a stop or when up-shifting?

 

Have you been told by the service department;

 

  • Can’t Duplicate the Concerns
  • No Problem Found
  • You’re not putting it into gear fully
  • We had to re-program the ECM and you will be OK
  • We had to replace the clutch but it is under a Good Will repair

   After you left the shop everything seem to be OK, several days go by and you notice a slight jerking. You call the dealership and you are told;

 

  • We will have to re-program the ECM with a newer version so come back in
  • During the service re-program you are told you need to service the transmission, you agree

You pay for the service and leave thinking alright finally they got it and all seem to be well. A few months go by and you notice the transmission seem to be slipping, at times the engine RPM will race up then drop down and it feel like you’re not moving faster when you accelerate or move slowly.

You call the dealership and tell the service person what’s going on and he tells you to come in as soon as you can. You go to the dealership and after two hours you are told the transmission will have to be replaced because something broke and it will be under warranty.

You feel a sigh of relief thinking now with a new transmission I can move on and forget I ever have to see the shop again. You get your car back and several weeks pass and nothing has happened and you decide to take a long trip using the old highway so to see a lot of small towns.

You are driving several hours in stop and go traffic and you have an overnight stay in a small town. The next morning you get up to continue on your happy drive and as you are pulling out of the Motel lot the car starts to jerk and grind and you say what is going on and feel like your heart dropped out of your chest. You call the dealership and they tell you to bring it in as soon as you can but you’re 75 miles away from them.

They say no worries it will just jerk when you’re pulling away or up shifting so be easy on the gas and you will make it. You start out to the dealership and all seem to be well until you come to the next small town. Just your luck at the last stop out-of-town the transmission starts to slip and grind and then it stops moving, you’re 55 miles away from the dealership and you have to call a tow truck. When you get to the dealership you told some fluid leaked out and you must have hit something in the road. You explode and say I had no problems and there were no fluid leaks when I left this morning. and then the next morning it broke, you told me to drive it to you. Finally the service persons come back and say’s OK we will replace the transmission under a Good Will repairs this time but you must pay for the fluids, not wanting to you agree.

What is a FORD Transmission DPS6 what does it mean and how does it work.

DPS6 means:

D —Dry Dual Clutch

P — Power Shift

6 — 6-speed transmission

S — Synchronized

The transmission is two transmissions in one transmission case using several gears and actuator motors for smother shifting characteristics and reliability. This has not proven to be the case with this transmission, it is not very reliable and there are constant complaints of Jerking, Shuttering on pull always, slipping and grinding.

From understanding this transmission it is my opinion the problems lie in the clutch and pressure system. I have repaired many vehicles over the years and from what I am seeing the clutch system is where the problem is. The one thing that makes me think this is the point of the problem is based on the heat and problem that start after the car is hot.

The transmission works off a double clutch system. The front clutch operates the 1st, 3rd, 5th gears and the rear clutch operates the 2nd, 4th, 6th and R gears. The clutch works off the same drive disk which operate like a brake rotor it gets heat from both sides. Heat causes warpage and in turn warps, warpage will cause vibration and slippage on a clutch. Hopeful FORD will see this and fix the problem.

Is there a current repair for this transmission? Not Yet but it is my understanding FORD is working on a repair fix as we speak, maybe they will see my suggestion.

What can you do if you own one of the FORD Focus or Fiesta or have any make of vehicle with a transmission problem?

You can call a good attorney to help you get a refund, replacement vehicle or your money back which should include your down payment as well and attorney fees paid by the other side when he settles.

The California Law provided for this kind of service and you pay no up-front fees, the fee is paid after you settle. Pass it on if you like it, any question please ask.

On the front page of this web site at the bottom, several Lemon law and Personal Injury attorneys I have worked with over the last 14 years, I have had over 5,000 customers use one of these law firms and I trust each one of them.

Thank you and GOD bless you.

Jackie Winters

“WARNING ADD OIL” or “WARNING GO TO SHOP”

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Have you read what Consumer Report are saying about Oil Consumption?

Consumer Report is saying to add oil between oil changes is not normal.

I have been telling the driver of BMW, Porsche and Audi that very same thing for years, so let me give you some more direction that may help you understand better about oil consumption as well as other question you will want to ask your dealer when buying or getting repairs made.

There are a lot of good thing added to the new vehicle on sale today, the Navigation system with backup and side cameras; the Blue Tooth phone system, the adjustable mirrors, the i-pod features and the heated seats and Turbo Chargers for extra power just to name a few of the additions.

I want to give you some question you should ask in hope to help protect yourself when making a purchase. I will start with the extended warranty and what things to ask for followed by some things you may experience that may be called normal.

First off when the salesperson wants to sell you an extended warranty the cost is negotiable, if they say no, tell them you will go elsewhere to but your vehicle. When you buy that extended warranty be sure it covers SEALS and GASKETS, if that is not in a warranty, it is useless papers. A leaking engine or transmission will cause a warranty to be voided if it is not fixed. If you don’t have that seals and gasket warranty coverage and your engine or transmission goes out you are out of luck on repairs, the warranty will not apply.

Be sure the warranty covers A/C and Electrical Wiring as well and be sure to read all in the contract before you sign it. One rule of thumb is be sure to read anything you ask for and they say is covered, if they say A/C, Electrical, Seals and Gaskets are covered, be sure read it.

ADDING OIL EVERY 750 TO 1000 MILES IS NOT NORMAL FOR ANY VEHICLE.

Another question you need to be concerned about and ask is “Will I have to stop and add additional engine oil between oil changes”. Some of the new High-End vehicle are having to have addition oil added ever 750 to 1,000 miles.

Some oil cost as much as $15 a quart, over the driven miles of a high-end Turbo Charged vehicle of 100,000 miles you may spend as much as $5,000 extra for additional engine oil because of oil burning. If oil is needed you must add it so you don’t burn the engine up, that’s 333 extra quarts of additional oil or 47 oil changes you never got, just because your engine is burning oil. There is one exception of the High End vehicle engine burning oil.

The GM Corvette is a high performance engine and from my experience I have had no Corvette owners ever tell me they have had to add additional oil between oil changes. Other new car dealership are selling high-end vehicle not as powerful as the Corvette and their owners are having to add oil between 750 and 1,000 miles of driving, why, because they are burning oil.

Some of the dealership personal is telling the customers it is normal for the engine to burn oil because of the High Performance Engine runs at higher temperatures. That is the biggest box of crock you will hear, no it is not normal for an engine to burn oil.  One of my customers told me she went into the dealership on average of every 750 miles; she said her “Warning Add Oil” would come on. When she went in they added a quart of oil every time, she was told it is normal and no RO was needed because it was a good will gesture.

A repair order receipt of the free quart of oil they add every time the customer comes in with a “Warning Add Oil” light on should be written up and given.

I have built and worked on thousands of engine over the years and I assure you it is not normal for any vehicles engine to burn oil, high performance or not.

One thing to remind you of and that is on the New and CPO Automobiles and Trucks the lemon law applies to all of them with a warranty. It is up to you the buyer to keep all records when going to get repairs of any kind even if they call it a good will gesture. Vehicle purchased that has passed accident damage is also covered under the Fraud laws and they will apply, if you buy and get the papers later that shows the vehicle was in an accident when you were told it has not, don’t worry you may be covered as well.

If that new or CPO vehicles is having problems with engine oil burning or electronics concerns, the lemon law can be used all at no cost to you the consumer. If an attorney takes your case you will not pay because he will be the one to settle your case, the attorney fees will be included so you don’t have to pay.

I have listed the names of a few attorneys that a lot of my customers have used for their cases over the years and have been settled to their satisfaction.

To remind you, I am not an attorney but work with attorney law firms as their Technical expert and have been used in trial 45 time and deposition over 500 times and have never been impeached. I am not qualified to give legal advice and do not give legal advice.

Good Luck and if you have any question please ask, tell a friend.

Amazon.com is offering the original Ab Radical

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I just wanted to let you know the product “Ab Radical” is now available on Amazon.com for under $11.00 and would make a great Christmas or birthday gift or a gift for anyone wanting to isolate their abdominal.

As you know I wrote about this sometime ago and it does work well. It is portable and will fold up to a 4 inch box. It is made of a heavy-duty fabric and has a neck and back support built into it. It was designed to help a person do crunches. One of the good things is when I get finished using it I just hang it on the wall or throw it across my chair for the next morning. I don’t have to worry about storage space, it only takes 4 inches when folded up, there is no storage area of any size to worry about.

This is not a Sit Up exerciser but an Abdominal Crunch Isolator, I do this 4 inch crunch while tightening the abdominal and blowing out the air and then relaxing and taking in air as I go down from the crunch, it is made easy by the two handle made into the product. I just lie on my shoulders, my knees bent at a 45 degree. I then grab the handles near the shoulders and with a slight pull on the handles the shoulders lifts off the floor and the abdominal crunch is made. I don’t use the handle at the ends of the handles I used them near my shoulders, it seem to isolate the abdominal even better. I have my elbows tucked in my sides and not sticking out to nowhere when crunching and that seem to make the Ab isolation even better concentrated.

At one time my wife got me an Ab Roller but I could not do a crunch or sit-up without jerking real hard on the handles, I gave up on that one, it was also bulky to put away. I think my wife gave it to Salvation Army, I have other weight stuff for exercising the abdominal but I just could not get what I wanted.

If this is something you might consider for a gift or personal use ask your Doctor about it if you are an elder person not use to doing exercise or have illnesses, just take time to be safe. I am not a doctor but a mechanic, I would think anyone wanting to do crunches with ease should consider the Ab Radical. My friend Richard is 71 and he used it yesterday and told me it really did make it easy for him to do a crunch, he is 6.4 tall. My wife is going to Japan in Jan for two weeks and she is taking one with her so she can use it when on the air plane.

I do a lot of walking every day as well and don’t drink or smoke cigarettes and think GOD has blessed me with good health.

Thank you and pass it on, GOD bless all,

Jackie

Used Vehicle that have been an accident, beware

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In the past I have inspected several like new cars and they all looked like they were well-maintained and never have been in an accident, the inspection proved otherwise. One must be aware that some used-car dealers will buy cars from auto auction, and some of those vehicles have been wrecked and repaired. These cars may never get reported to the police department and therefore do not show up in the Car Fax or Car Check reports.

With the purchase the customer also purchased an extended warranty. He started to have some electrical issue as well as suspension noises soon after. The dealership told the customer the $2,800.00 warranty he/she purchased did not cover the repairs because the repair was related to an accident that occurred before the vehicle was purchased. The customer was told the vehicle has never been in an accident.

I was asked to do an inspection on it and found several area showing damages that had been repaired indicating the vehicle has been in a major accident.

The vehicle which was purchased for $26,000, the person who purchased the car was given a Car Check report and showed to not have been in any accidents and based on that the car was purchased.

The customer wanted to trade the vehicle in and when the dealership inspected the vehicle the y found past accident damage, the dealership turn down the trade in. According to a new Car Fax report given to the customer during a trade in it appeared the vehicle had been in an accident. I later realized the original Car Check report had been cut and pasted together without the section showing the accident part. Someone sold a vehicle under fraud conditions when they made the true Car Check appear to be something it was not.

Used-car dealers’ salesmen know how to talk to car buyers. An inspection from a Trained Technician should always be done on newer used vehicle when the sale seems to be too good to be true.

A salesman may tell the potential buyer, “Look, I like you and want to help you. Although I am not supposed to do this, but I will drop the price a few more hundred dollars to help you.” This is a hook most people fall into. This $26,000 car should have been sold for $13,000, but like I said he was given a discount because the salesman said he likes him. Remember sales person does not know you any better than you know him or her. Sales persons are trained to make you feel like a true friend when in fact all they want is to sell you the vehicle and get that commission; then it’s good-bye and don’t bother me with any car repairs or complaints you have. The truth was the salesman may not have known about the accident damage but it seemed he robbed the customer. The customer had to file a lawsuit that may drag on for months or possible more before he recovers any money at all.

Upon inspection I removed some trim panels and took photos of the places where the rocker panels were and could see it had been hit and improperly repaired. This vehicle’s actual cash value was around $13,000, about half of what the customer paid for it and far less than the value of a good vehicle that was not wrecked. Not to count the loss of the $2,800.00 warranty that would not be honored by any dealership, the customer loses all the way around. The Lemon Law firms I work with may file what is called a “Fraud” case to help you recover the loss if this happens to you. You need to have all your paper work in order when you file.

I have inspected over 3,500 vehicles and have only had to go to trial on 53 cases. The attorney law firms I work with are the best in the business. A wrecked vehicle is also an unsafe vehicle if it was not properly repaired.

If this vehicle that had another side impact at the same side which was improperly repaired, the people on that side of the vehicle will likely die or get severely hurt. When a side center post or rocker panel is replaced, there are specific places that need to be worked on in order to make the vehicle worthy to be on the road again. When a dealership sells a vehicle that has been in an accident, a statement of fact (disclosure) has to be given to the customer so he or she will know about accident.

My recommendation is: have a professional vehicle inspector inspect the vehicle, to see if the damaged areas have been properly repaired or not. If he or she decides to buy the vehicle the chance of getting it insured is unlikely anyway. A vehicle with frame damage has a value drop of at least 50% no matter who repaired the vehicle and the resale of that same vehicle is unlikely, unless it is to a junk yard. My advice is: don’t buy any vehicle that has had a major accident. Get a report from Car Fax and Car Check as well, because one may not show the vehicle was in an accident and it is likely the other will.

If you need a good Lemon Law attorney or a good Personal Injury attorney go to my web site and you will find several attorneys over 3500 of my customers have used all with great success.

Thank you for visiting and tell a friend, GOD bless you.

 

EXTENDED WARRANTY CONTRACTS…BEWARE

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I want to let all you people who buy new and used car or trucks beware of the warranty you pay for. I just read a warranty I thought was not being sole again because of how crooked it is but low and behold people are still getting Ripped Off. This warranty covers the engine, transmission, steering, suspension and brakes as well as the electrical system, sound good. The catch is it only covers thing that don’t usually break. This person who paid $1,850.00 with a $50.00 deduction had an engine oil leak and it cost her $797.00 to fix it, with a 50.00 deduction.

Later she had a thermostat stick a $20.00 part and a $50.00 deduction but it was covered under warranty. A small hose was broken and the manager told her we will cover this as a goodwill gustier, she still paid the $50.00 deduction, so what a $20.00 part and a few minutes of time. By the way a Goodwill repair is not goodwill because they still get paid, it is not a free repair, and someone pays. The repair in total was only $45.00 anyway.

Please do not buy any warranty from any dealership or car lot unless the warranty says it will cover the things I listed above and the SEAL AND GASKETS. When a seal or gasket breaks it can cause internal wear and if that is the case your warranty is no good anyway if the engine has internal wear and it likely will. You will be told well you should have fixed the leak, sorry but it was your fault and we cannot cover it under warranty. This is a real crooked warranty system that is being sold and I pray before you buy be sure to tell the seller to show you the part that states SEALS AND GASKETES are covered or get up and walk away. His word is no good; some of you may have already found that out the hard way. If a salesman attempt to sell you a warranty ask him/her if it covers everything and if it don’t do yourself a favor and just don’t but the vehicle from that dealership or car lot. Think, if they lie to you when you are trying to buy a good vehicle then they will most likely lie to you in the shop when repair are needed.

This poor lady now had a repair that she was told when she purchased the warranty everything will be covered and she had a $70,000.00 plus car. The sales men are not your friends they do not care about you all they want is your money and then it is “Don’t bother me with your car repairs go to the service department”.

I called a service department at a local dealership and spoke with a finance manager and ask about the warranty as if I were going to buy it, he told me everything is covered. I gave him the name of the warranty and he said yes everything is covered with a $50.00 deduction. My only regret is I cannot publish the name of the warranty or the dealerships that do this but I can and will tell you if the warranty don’t state in writing it covers SEALS AND GASKETS then you are getting ripped off if you buy it.
Please BEWARE OF THE WARRANTYS SOLD BY CAR LOTS AND DEALERSHIPS they in most part are rip offs that don’t cover the thing that cause problems most often. Any question please comment and I will get back to you, God bless and be careful. Lemonprotection.com