Talking to the people at Toyota Motor Insurance Services was the FIRST thing I did. The letter I received was the denial to my email appeal. The supervisor I talked to just kept repeating �the contract excludes sludge�. The supervisor said �Mike Martin� was the only person above him and that he would not talk to me. They are not concerned about how the sludge got there, how many times you changed the oil, or why the oil light did not come on as a warning. When I insisted the sludge must have been from the previous owner they told me to contact the dealer we bought the car from. You can probably imagine the dealer�s laughter if I called about a used car they sold 1 � years ago.
Legally it appears Toyota Insurance Services is off the hook due to their fine print. We couldn�t even point to a single oil change station as the changes were done over 1-1/2 years at three different franchises.
I�m not done with this by a long shot but I am not optimistic. Thanks again for listening.