That 2011 was sitting on a dealer lot for 6 months with an accident history before it was wholesaled to the current dealer.

I would be massively suspicious if that lifetime warranty is worth ANYTHING. I hate being blunt, but you really need to stop and think. How will they stay in business if people buy a warranty and just replace parts to 300, 400k miles????? I would expect this to exclude 'parts that break due to wear and tear' and they will declare every failure 'wear and tear'. Easy.

Did you type "PPI" and "car" or "auto" into google??