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I want to add the another reason MBI is better than the factory warranty is because insurance companies are govern by your state's regulations, which are stringent laws an insurance company must abide by, in order to operate in that state. Layman's terms; they can't deny coverage for any arbitrary reason, unlike a dealer.
The factory warranty is not held to such high standards that an insurance company has to follow. So you have a much better chance of MBI paying for an issue over the factory warranty, as asinine as that might sound.
There is actually distinguishing difference between a "warranty" and "insurance" although they might seem the same.
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