I've been looking at SquareTrade and it seems that if someone files a claim and the other person declines to participate, that SquareTrade makes it seem like you have something to hide. I find their position to be really distasteful. They way this is written, if you decide you don't want to participate you are dishonest and have something to hide. Why respond to a notice from SquareTrade? Responding gives you and the other party the chance to work the problems out, avoid other types of claims or legal proceedings that the other party may pursue to solve the problem, and helps you preserve your reputation as an online buyer or seller. Responding is quick, easy and FREE. It shows you are honest and have nothing to hide.