Try imagining going to work, and your employers give you free auto repair insurance, with tiny co-pays. You would be at the mechanics place every time you hear a funny sound. And the mechanic?
If you say “this” we can do “that”. Then you say…”I’m going on a trip so look everything over before I go”. The mechanic will even make preventative suggestions. “Don’t worry, you won’t have to pay for it”
These medial places have HUGE HUGE overhead. They have kids in Harvard, wife has the Tahoe and a credit card. When it comes to money I don’t trust anyone.