Question:
I bought my truck in January 2019 and was not offered the factory extended warranty but instead offered an independent extended warranty through the dealership. Can I go back and get the factory extended warranty? I think they charged me $2500 or so .......
Might depend on the terms of the warranty and also state law and what state you are in.
1) Some warranty terms say that if you have not used anything from your extended warranty in the first year, you can get a full refund. Since you are likely under bumper-to-bumper manufacturer warranty, you likely have not used anything unless you used roadside service or rental car?
2) After one year and if you have not used any provisions of your warranty, you may be able to get a pro-rated amount back.
3) If your extended warranty has paid for ANYTHING (rental car, or any service), you can't expect anything back. Once they put out money, you have fully activated your warranty in a way that you can not get any of your premium back.
Your dealership may not assist you with this. You will likely need to read your warranty terms and show the warranty company where the terms say you can get part or all of your money back. You may also need to see if your state has any laws governing warranties, because sometimes their terms just give you money back because the law says you get money back.
When one of my payments was late, when I spread out the $1000 payments over 12 months, they threatened to charge me a fee or cancel my warranty. I reminded them that their terms say that if they cancel my warranty, I get all my money back, and they immediately retracted their threats. The "money back within a year" thing was a big selling point to get stupid people like me to fall for their mortgage gimmick.