u/Unlikely_Pepper_8718

My 2016 BMW 340i xdrive with 54k miles has been sitting at a BMW specialty shop for officially 3 weeks now while CarShield reviews my claim for a bad transfer case. I honestly had no idea when I bought the car that it already had such a detrimental issue. I drove it for about a week before the chassis stabilization light came on permanently, before it’d come on occasionally when activating launch control. I got it from a dealership and didn’t realize anything was wrong until after I owned it. My CarShield policy had been active for months before I filed the claim.
So far they’ve had the shop send photos, and now they’re asking for a video before making a decision. The repair is around $3-6,000 if they deny it, so the waiting has been brutal.
Has anyone else had CarShield ask for a video? Did your claim end up getting approved, or is this something they do before denying people too? Just looking to hear what others have experienced. I’d like some advice so I know whether or not to keep staying positive, or start looking at new cars ( I still owe on my current loan) , I just find it hard to believe that a t case would go bad at 50k miles. The 340 is one of my attainable dream cars ( I’m an enthusiast) , so id be heartbroken to say goodbye to it. I am asking around over a couple of subreddits for everyone’s experience with them. I don’t have good feelings as I know how Carshield is ( my mom bought the plan as she was freaking out) but maybe I’ll be proved wrong. Just sucks as I know transfer cases don’t just go out like that . I know I know… I should’ve let the dealership know before the buying process of the problem , but I just assumed it was a wheel speed sensor or something along those lines ( my fault) but boy was I wrong . Just wish the dealership was more transparent about the problems and that’s if they even knew about them to begin with. For context, the car had the same transfer case fault codes (440101 and 48097D) documented at an independent BMW shop before the plan was purchased. Any advice is greatly appreciated!!

My 2016 BMW 340i xdrive with 54k miles has been sitting at a BMW specialty shop for a little over 2 weeks while CarShield reviews my claim for a bad transfer case. I honestly had no idea when I bought the car that it already had the issue. I drove it for about a week before the chassis stabilization light came on permanently, before it’d come on occasionally when activating launch control. I got it from a dealership and didn’t realize anything was wrong until after I owned it. My CarShield policy had been active for months before I filed the claim.
So far they’ve had the shop send photos, and now they’re asking for a video before making a decision. The repair is around $3-6,000 if they deny it, so the waiting has been brutal.
Has anyone else had CarShield ask for a video? Did your claim end up getting approved, or is this something they do before denying people too? Just looking to hear what others have experienced. I’d like some advice so I know whether or not to keep staying positive, or start looking at new cars ( I still owe on my current loan) , I just find it hard to believe that a t case would go bad at 50k miles. The 340 is one of my attainable dream cars ( I’m an enthusiast) , so id be heartbroken to say goodbye to it

Edit: I’ve heard nothing but bad news about car shield, and these replies don’t make me feel any better 😂