I agree with the previous answer (probably a mechanic or shop owner).
As for myself (an actual end user).
I bought an extended warranty for a used 2004 Sebring convertible.
The rear window has a defroster.
The warranty covers electrical problems but not window replacement.
The defroster tab broke of and rendered the defroster on the rear window useless.
I had to argue with Warranty Direct to repair the defroster by replacing the window. (the only way to repair the defroster)
After a half hour of firm, delibriate arguing, I finally got them to agree.
The mechanic I went to did not belong to some sort of business credit system that Warranty Direct required, so I had to pay up front ($800) and then have WD reimburse me after the repair was done.
They did; but only $750 not the full $800. They claim the repair was only worth $750.
Still, I would have to say I am satisfied and I am confident that I would get, at least, partial reimbursement for any future repair costs that I might incur.