Endurance Warranty Services review: Mis-leading bait and switch

We have had the Endurance policy for about a year on a 2014 Chrysler Town and Country , we had one claim that was about $3200. The car went to the dealer for a engine tapping noise which would be about $2500, the claim was denied because we exceeded our liability. When we called on the policy we spoke to three different people, not one of them said there was a limit for claims. All of these warranty companies as SCAMS. This includes Car Shield. They have their commercials that claim they will cover engines into the 10's of thousands, DO NOT believe it