Maxcare is not bumper to bumper, nor does anyone call it that.
Bumper to bumper means anything between the bumpers are covered, which is simply not true at least on the Ram's warranty.
And even the manufacture will attempt to deny a claim if they can and can get away with it.
Can you provide a complete list of every single thing that is and is not covered? When I look it up it only says generic items and does not detail.
Some things it doesn't cover are body and painted items. They could basically say if a hinge broke on your tailgate it's not covered as that is a body item if they wanted to. But they another section says they cover "body mechanisms"
I know people have been denied claims with Ramboxes that have warped due to design flaws under the Maxcare warranty, there is a whole thread super long dedicated to that alone.
It also talks about not covering plastic lenses, the LED housing has plastic lenses, and although those might not be broken the LED is, they aren't going to cover the part because it contains plastic lenses per their contract?
People have been denied repairs for the leaking rear window too, sometimes they can get the glass replaced, but not the headliner and seats that get damaged but it's very inconsistent.
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All i'm saying is you need to read the fine print on any contract, warranty, or whatever legal term you want to use to describe it. If there is a loophole most companies are going to try and take advantage of it, and that is why you should too. Why play fair when the other side isn't.