CarShield
Reviews and Complaints

CarShield's advertising is false. Full stop. They say -- with all of the celebrities they use -- that you can take your car to your dealer for repairs. But that's not true. If you take your car to your dealer your dealer will tell you that they do not accept "after market" parts because they cannot validate the quality of these parts. CarShield then says "well, then, you're on your own. Take your car to a mechanic who does accepts the parts we deem appropriate." I spent an hour today on the phone with a CarShield insurance adjuster who told me that the CarShield "algorithm" searches for the cheapest part on the planet and caps their reimbursement at that price. They will ship the cheap parts to your dealer, but, again, your dealer will not accept after market parts. So you're ***. You either take your car somewhere where they will "fix" your car with cheap parts or you don't get your car fixed. In my case, my car needed repairs to pass inspection. But my dealer would not accept cheap parts, so I had no choice but to pay for the repairs -- nearly $2,000. CarShield would only pay $242 (after my $100 deductible). I was stuck with the rest. HERE'S THE PROBLEM. I GET THAT INSURANCE COMPANIES WANT TO MAKE AS MUCH MONEY AS THEY CAN. I GET THEY WILL FIND THE LOWEST COST PROVIDER AS THEY CAN AND ONLY PAY FOR THE CHEAPEST GUY ON THE BLOCK. I GET ALL THAT. BUT THAT'S NOT WHAT THE ADVERTISING SAYS. IT SAYS YOU CAN TAKE YOUR CAR TO THE DELAER. THE ADVERTISING SHOULD STATE CLEARLY THAT IF YOU TAKE YOUR CAR TO YOUR DEALER, YOUR DEALER WILL NOT ACCEPT AFTER MARKET PARTS -- THAT YOU WILL BE FORCED TO TAKE YOUR CAR TO JOE MECHANIC WHO WILL ACCEPT AFTER MARKET PARTS. AND, THIS ALSO APPLIES TO SERVICE RATES. WORK ON YOUR CAR IS ALSO SUBJECT TO THE SAME ALGORITHM: IF THE WORK TAKES TOO LONG (ACCORDING ONLY TO CARSHIELD), CARSHIELD WILL NOT PAY. CARSHIELD NEEDS TO STOP LYING ABOUT ITS COVERAGE. IT WILL NOT REIMBURSE YOUR DEALER FOR WORK, UNLESS YOUR DEALER ACCEPTS AFTER MARKET PARTS AND UNLESS YOUR DEALER WORKS FAST -- NOT MATTER WHAT THE PROBLEM WITH YOUR CAR. Had I known I could not take my car back to the dealer for repairs I would never have purchased this "insurance." CarShield needs to tell the truth about its coverage. It ONLY covers repairs made by lowest cost mechanics using lowest cost parts THAT CARSHIELD DICTATES. The company needs to tell its insurers and its advertisers the truth -- not lie about being able to take your car to your dealer. THERE SHOULD BE CLEARLY READABLE -- NOT FINE PRINT -- NOTATION TO THIS EFFECT. THEY SHOULD ALSO INSTRUCT THEIR CELEBRITY ADVERTISERS THAT THEY ARE NOT TELLING THE TRUTH. YOU CANNOT TAKE YOUR CAR TO YOUR DEALER -- UNLESS YOU'RE WILLING TO PAY 85% OF THE COST. SOME INSURANCE. BY THE WAY, THE CARSHIELD REPRESENTATIVE ON THE PHONE WITH ME WAS ANYTHING BUT POLITE. INSTEAD, SHE ARGUED WITH ME THROUGHOUT THE CONVERSATION, INTERRUPTING ME FREQUENTLY ALONG THE WAY. Oh well.

I purchased Car Sheild back in March(2021) .After a recent auto repair (Distributor and clean plugs )on my wifes 2003 GMC Safari. After veiwing the commercial on Television showing extended warranty coverage for older vehicles, it seem the smart thing to do. I stay on top of maintenance on my vehicles and purchased this warranty to keep from getting nickeled and dimed . 2003 and 2011 even though they are in very good condition you just never know. So I was on the phone with a sales rep for over 30 minutes..he was very friendly talking about everything..family, hobbies and interests..very reassuring and made the company seem very up and up. He gave me a good deal on coverage on both vehicles and as the conversation went on he even sweetened the deal on both vehicles to help me out since I was a single income household and months away from retirement, he wanted to put me into something that I could afford. I purchased the coverage. After receiving the contract and reading it I saw a milage clauss and called back to question it being we were under a covid lockdown across the country,on top of my wife doesn't leave the house very much..If you weren't an essential worker you weren't really going anywhere and my wife is retired and basically goes to church and occasionally to the store since I generally do the majority of the grocery shopping. So basically I was concerned about the coverage and call back to voice my concerns ...when I voiced these concerns to the salesperson he reassured me that it would not be a problem...that Car Sheild would examine the situation and take care of it..with that almost 30 minute call covinced me and I continued my coverage. Few months past and my wife and I getting vaccinated and restrictions starting to ease up..my Wife decide to go to the corner store to pick up some items , upon returning she said the van was acting strange..So I go to investigate and stsrted up the vehicle and nothing seem wrong so I decided to take it around the block and it had a knocking sound. I looked at the oil pressure gauge and noticed the pressure went up when I accelerated and dropped when I wasn't..something was wrong! I then contacted Car Sheild and they informed me to what to do.. I followed their instructions and made an appointment with a mechanic..there was almost a two week wait to get in. Finally the day came to get it in and it was another two weeks to get it looked at because they couldn't open the hood and they put another job ahead of me. They then contacted Car Sheild with their findings and Car Shield denied my claim because the vehicle did not have enough miles put on it from the time of coverage. WHAT A *** OF ***! So if you are reading this just be aware of these Scammers...I then go online and read the hundreds of unhappy customers who were also mislead. DO NOT FALL FOR THIS EXTENDED WARRANTY SCAM ARTISTS! THEY ARE ALWAYS ASKING FOR YOU TO RATE THEM BEFORE YOU HAVE ANY CLAIMS..which now that I think about it was a sign...why would you ask for a rating before having any problems or work done? PLEASE DONT BECOME A VICTIM..THEY ARE NOT A REPUTABLE COMPANY! DONT FALL FOR THE SALESMAN SWOOING..ITS JUST A DISTRACTION TO GET YOUR MONEY.. THEY ARE ***!

My name is John Doe, I took out a policy on my wife's 2012 BMW X5 that I just bought for her personally. I have been a car dealership owner for over 20 years, selling thousands of aftermarket warranties from various companies. I gave Car Shield a chance to cover my wife's BMW, which had always been serviced by BMW and had only 61,000 miles. When the BMW had a water pump issue, it was taken to the shop for warranty work in early November. The shop struggled to reach Car Shield, citing delays due to Covid. I intervened to expedite the process, but faced continuous setbacks from the company. The repair, which could have been completed in 3 hours at my dealership, was dragged out by Car Shield until mid-December. Car Shield initially wanted to provide their own part to save a small amount on the cost, refusing to let the shop source the part locally. When the part arrived, it was from a local supplier and Car Shield had paid nearly the full price for it. This delay of over 5 weeks for a minor repair to save a negligible amount was unacceptable. Car Shield's inefficiency resulted in the SUV being unusable for 5 weeks, a significant inconvenience and economic loss for me. Over the course of this ordeal, the shop and I spent countless hours on the phone with Car Shield, talking to numerous representatives and supervisors. The company's tactics began in early November, with promises to follow up that led nowhere. The situation escalated to the point where the shop wanted to return the car to me. After intense discussions with supervisors, the correct part was finally sent. By December 17th, we got the BMW back, after over 5 weeks, numerous phone calls, and a tied-up shop lift, all because Car Shield wanted to save a small amount on a part. Initially, I told Car Shield that good service could lead to us promoting their product for our used cars, potentially 250 sales a year. However, after this experience, I would not recommend them to anyone.

Carshield sent my 73 year old mother a letter advising her that her 2001 Lexus Rx300 car warranty was about to expire. They said that she needed to call immediately. Now my mother had given the car to my daughter for her 16th birthday, but she kept renewing the policy to take car of her granddaughter while she was in college. Having planned this gift to my daughter for many years, she was wise enough to add my name on the policy. So at the request of my mother, I called Carshield to renew the policy. When I called them all they really wanted to do was sell me another policy...instead of renewing my old one. You will understand why later in my comments. When I told them the approximate mileage of my car, the agent explained that my old warranty had expired due to mileage. This was news to me since it was my understanding was that the old policy had a term limit. As it turned out, the old policy had both a term and mileage limit...just a little detail the agent left out when she sold the policy to my mother years ago. The agent then explained that was no problem...she would just renew the policy. At first I was very reluctant...but the agent was persistent in pointing out it was just a matter of time before my car would need major repairs...and Carshield would be there to rescue me. Knowing my car had a lot miles on it, I felt sure I was on borrowed time...it was likely to need major repairs soon...so I renewed the policy...I thought. The agent asked me the make, model and mileage on the car and I explained that I was not in the car and that I was not sure of the exact mileage. She said, an approximate mileage would be fine. So I told her the car had approximately 217,000 miles on it. She wrote down, 217022 just to make it more legit I guess. She asked me if the car had any current problems...to which I replied, "the car has 217,000 miles on it" I am quite sure the car has problems. The agent clarified her question "any current problems that you know of? To which I replied..."none that I know of at the moment". Her questions made me suspicious so I started asking her questions that might reveal the "catch". I asked her about "grace periods" when the policy would become effective...just anything I could think of at the moment that might reveal the "catch". The agent explained there was a 20 day grace period...but left out and 500 miles. So I gave the agent my credit car information and went on about my business. 38 eight days later the car developed a leaky water pump that needed to be replaced. It was going to cost approximately $1000 dollars to replace it...so I called Carshield. Now it was a completely different story. Instead of talking me into buying a policy...now they were telling me why they wouldn't pay. The agent explained that I had only driven the car 396 miles since sense I last renewed the policy...and the policy states that I must drive the car 500 miles. I protested and explained that it has been over a month since I renewed the policy and the car has been driven very little because Covid- 19 and my daughter was taking classes from home instead of driving to school. It is clear to me now...when Carshield sent my mother a urgent letter warning her that her policy was about to expire...they never had any intentions of renewing the policy...their goal was to sell her a new policy. If they had renewed the old policy, there would have been no "grace period" for which they could legally hide behind. So bottom line...my mother spent thousands of dollars on a car warranty that was never used...only to be screwed by a intentionally hidden technicality. Or more commonly none as a "bad faith" contract. As a consumer, I expect businesses to do businesses in good faith. And it infuriates me when my 73 year old mother gets scammed by a business who's whole business model is centered deception and other "bad faith" practices.

CarSheild if I could rate zero I would I have..I have been with the company for about 5 months or so and they are Johnny on the spot to take my money every month on time. I got referred through a coworker Sheriff he has never used the services before got Carshield for his kids vehicle. (he has now canceled his two vehicle) I admit I didn't do my homework before getting Carshield. (Big Mistake) I took my vehicle into dealership for routine oil change and they did a diagnostic on my vehicle they always do when you go to the dealership and discover that I need an water pump and timing cover cost $2500. I contacted Carshield on April 5th to see what was covered under my warranty was told by Carshield water pump and that the belts would be covered but sure about the timing cover so I made the claim. While I'm waiting for approval I contacted the dealership about who I had for warranty and immediately the mechanic at the dealership says going to honest with you we don't even deal with Carshield they send their customers through to much and make promise they don't keep and approval timing is ridiculous, he said I'll try for you because of my relationship with the dealership. More days have passed no one has contacted me about the claim nothing when I call Carshield they say it *** just keep passing the buck no responsibility at all Carshield *** wants the customer and the repair mechanic at the shop where you want your vehicle to be repair at vehicle is at a reputable repair shop and I sent in the estimate repairs for my vehicle as well as the repair shop too. *** still wants more like taxes state I live in shouldn't they know that, do the dealership take parts what kind of credit card could *** use to pay at this point I'm in Aww right now like for real are you kidding me. Like what have I gotten myself into tCarShield is Never going to pay out of any repairs I needed done with my vehicle. Even when I call and spoke with an Supervisor I even spoke to the same person twice and she said to me your right I have no excuse about how your claim has been handle with *** that I will take care of it personally that was last week Thursday still no answer from Supervisor. CarShield and the claims department *** they could careless about their customers issues whats going on with claims and making sure they take care of customers I don't know how are they still in business. Of course now I'm reading everyone's review and says OMG! that's me that's me and I can't believe they do this to people. I'm still waiting on an approval from *** they didn't approval the timing cover I was not aware they didn't approve it until I kept calling about my claim because they were not going to follow up with me the customer, but still waiting on the water pump to be approved. I spoke to a dozen of people from Customer Service to Supervisors and they are used to this kind of complaint from their customers calling in about their claims and about the company not one customer services rep felt apologetic or even sympathize about my situation no one. When I express this to the Supervisors there was no regard to the way I was handle as a customer even told them I'm on the complaintsboard.com website and looking at all these complaints about the company could careless. I gave up and canceled my warranty and requesting a Full Refund of my money I do feel like CarShield is RIP-Off and scamming people out of their money. The days which we are living in most people don't have money for extra like this trying to keep food on the table and many people are not even working just trying to make it through this pandemic we are living in. I just want what I paid for and promised when I got the warranty from CarShield. Sad to see a company that would take advantage of people and Carshield would never get a recommendation from me anyone who speaks of Carsheild I will do my best to discourage them from getting this warranty and spread word of mouth and my personal experiences is better than any commercial. While I'm calling everyday about my claim and still nothing my coworkers an attorney and judge at my job are looking into this matter for me. Yes my claim is still in review and has been expedited since last week. Please excuse any misspelling and run on sentence just so UPSET! Should someone from *** would like to make their wrong into right please feel free to contact me my claim#

I purchased a plan from carshield as a Rideshare driver twice. My first car was a Dodge Avenger and was totalled out after three months. Someone rear ended me while I was stopped at a red light. However, before that vehicle was totalled, after my father gifted it to me, I immediately called carshield to sign up. At the initial sign up, I advised carshield rep I was a Rideshare driver. Two months into my plan I received a call from carshield explaining I owe them money because I'm a Rideshare driver. They were kind enough to spread it out into monthly payments until I paid it off, but it seemed like they added something new, after my initial purchase and I was now forces to pay for it when I should have been grandfathered in. I blew it off and paid. Now that car Dodge Avenger, is totalled. I now have a Hyundai Sonata Lmtd. I advise carshield rep again, at initial sign up that I am in fact a ride share driver. I ask if there's an extra fee, considering the previous experience. I make reference about my last vehicle and what took place with the payment discrepancy. I was assured I would not owe any more money and they were giving me the best plan that suits my needs. So I take the plan and make payments for about a year and a half, to two years. When the coronavirus hit I called and let carshield know I was having financial issues because I stopped driving Rideshare due to underlying health issues, but I wanted to keep my coverage if I could. Most companies came up with a way to help their customers, as did carshield. They waved my next payment, yet failed to inform their third party payment collector. Who also just happens to no longer be under contract with carshield anymore. Carshield's help was, the next bill was waved, but I needed to pay the following bill. This would also qualify me for one more month to be waved if needed during the coronavirus outbreak. Due to the coronavirus incidents I received a stimulus check and paid my remaining balance with carshield off. They even gave me $100 and some change discount, for paying it off early. Then turned right around and allowed their third party payment collecting company to cancel my policy. Every time I received a letter from said third party company, I called carshield complaining of these letters I received, explaining it says my policy would be canceled. Every rep I spoke to, every time I called, advised me I was paid in full, which I of course already knew. Tell me why I'm getting these letters. Never did anyone ever think to call their third party company, that collects customer payments, and find out what the issue was on their end. I'm repeatedly and constantly calling and telling them the letter is coming from someone I don't recognize. Maybe they thought it was a scammer, or perhaps the reps need more training. They just kept assuring me that I was good, my policy was paid in full. I could not figure out myself to even call the third party company because I assumed it was a scam. This company was not the company I was informed I'd be making my payments to for carshield, initially. Somewhere in the middle of my contract, they switched third party payment collecting companies that and obviously never reached out to inform their clients/customers. So naturally I'm confused as to who these people are, with all the scamming going on and the company name not ringing a bell, I keep contacting carshield instead of the people that's telling me my plan is going to be canceled. My plan was indeed canceled by the third party company. They would not renew it. They refuse to renew it and could not renew it because, again, now I'm finding out, when I finally reached out to the third party company, they were no longer contracted with carshield. Then their was nothing carshield could do when they were the ones who dropped the ball? Absolutely nothing? But wait... They charge me $75 a month for another plan that didn't come close to the plan that I had for $100 a month which is now paid in full and can not be used. I also found out at the time that I should have had unlimited mileage for being a Rideshare driver and I didn't have it. I mentioned multiple times that I was rideshare driver for both vehicles. I even told the story about the first car issue. Now I'm paying $75 a month for a crap plan. Until I found another plan that covered me way better than carshield ever did. Carshield is a rip off! Not because they're scamming customers, but because they need to update their customer service Representatives every time they change stuff. Representatives can't let the clients know what's going on otherwise. I think they've employed incompetent workers who are dropping the ball badly.