CarShield
CarShield Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CarShield has a 1.4 star rating from 254 reviews; consumers report dissatisfaction despite 67% saying they would likely recommend the company.
Key Takeaways for Future Customers
- Read CarShield reviews and policy fine print before buying a membership.
- Expect customer service and claims delays; ask about refunds and billing practices upfront.
- High price level reported; verify provider availability in your area.
Negative Feedback / Risk Areas
- Frequent customer complaints about denied claims and refused payouts.
- Billing issues, unauthorized charges, refund delays and subscription cancellation problems.
- Poor communication from claims department and inspectors causing rental and repair costs.
Positive Feedback
Some reviewers note polite representatives and occasional good customer service experiences.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CarShield has a 1.4 star rating from 254 reviews; consumers report dissatisfaction despite 67% saying they would likely recommend the company.
Key Takeaways for Future Customers
- Read CarShield reviews and policy fine print before buying a membership.
- Expect customer service and claims delays; ask about refunds and billing practices upfront.
- High price level reported; verify provider availability in your area.
Negative Feedback / Risk Areas
- Frequent customer complaints about denied claims and refused payouts.
- Billing issues, unauthorized charges, refund delays and subscription cancellation problems.
- Poor communication from claims department and inspectors causing rental and repair costs.
Positive Feedback
Some reviewers note polite representatives and occasional good customer service experiences.
Media from reviews
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
Pay bill for warranty
U were closed and someone called my daughter for the bill and was very rude.please do not call anyone but me for my bill my phone number has changed and u can get a hold of me tomorrow
Don't BUY THIS INSURANCE
- Claims dept was slow.
- Deductible is 100 only if approved; diagnostics aren’t covered.
- Canceled coverage on two cars due to high costs.
Bought car insurance on two of my cars, one car's engine light came on was told by Car shield to take it to the shop and my deductible would only be 100.00. so got the mechanic to call Car shield after he used the diagnostic computer analysis to find out what was wrong with the car!
He was told none of the problems my car had were covered under my car insurance and I would have to pay them out of my own pocket. including the diagnostic analysis which was 130.00 my problem is they advertise that only 100.00 deductible BUT that's only if they approve the claim, which is not mentioned in their advertisements on T.V. or by the salesman, but you can not find out want is wrong with your car if you do not have the diagnostic analysis1. So it's a catch 22!
so taking your car in is a *** because you do not know what the result will be and then your stuck with the bill! car shield's claims dept was so slow, I waited 45 minutes on hold finally a recording came on and said if you would like us to call you back please leave your phone number and someone will get back to you in 15-20 minutes, 45 minutes later I called back got customer service who informed me that maybe it was a pre exzisting condition and it wasn't covered? another told me maybe they got the two cars mixed up?.
My mechanic then called me and said he had been on the phone trying to get through to the claims dept for hours! no one from claims ever called me back, I finally canceled my insurance on both cars and will be getting my money back, paying 200.00 a month for insurance on your cars incase they break down and then getting stuck with an 800.00 bill and they won't even cover the diagnostics to find out want is wrong with your car a very bad insurance policy and company!.
t
- Customer service and claims dept
Preferred solution: just letting people know not to buy this insurance
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Mansfield, Ohio
Resolved: Very unhappy with car shield. Took my...
Company fixed the issue and I have been provided with product or service ordered. Then the right side of the part was ordered and we needed the left side waited another few days.
Get another company.
Car Shield wants to take your money every month but they fight you to pay for a repair. Going to look for another company.
Day 7 and I am still waiting on parts to fix my car. My rental is due back tomorrow 4-20-2026 therefore I will have to renew the rental another 2-3 days. Hopefully Car Shield will reimburse the entire amount I paid up front
The rep at Car shield wanted a digital picture of the needed repair sent to him via retailers cell phone.
The repair shop has a system that will take the picture of the repair and send it via email. This was not an option for Car Shield and that my car had yo be held for 24-48 hrs for an Inspector to check it out. This process has caused me to rent a car for three days and with the daily rental, tax insurance and deposit, I had to pay up front $734.00.
I should be reimbursed by Car Shield. This has put in a financial bind for sure.
User's recommendation: Don't pay the money to them. They take your money monthly but don't want to pay out
Did your policy include car rental coverage? Ice-T says “Car Shield has options for rental car coverage too”.
It’s an add-on charge to the premium. Vivica and her fake empathy would not be amused.
Bothell, Washington
Pissed off
- Unsolicited emails daily without consent.
- Unsubscribe option is ineffective and leads to ads.
- Cannot easily remove self from mailing list.
Your company is spamming my inbox like 10 times a day. I never consented to being on your mailing list and there is no way for me to easily remove myself from it.
When I click on the unsubscribe button, it just takes me to more advertisements, with no option to unsubscribe. Completely obnoxious. You think this is going to make me want to give you my business??
Quite the opposite. Get a grip.
User's recommendation: Clearly not a good company
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerClass Action Law Suit Pending- I see why!! They breach contract and have zero accountability!
- CarShield denied my claim after years of paying, blaming neglect.
- They refused an inspector and a rental car, offering only a partial settlement.
CarShield did not honor my contract. I paid faithfully for years with the expectation that if my vehicle ever broke down, repairs would be covered.
That turned out not to be the case. My Jeep Grand Cherokee overheated during extreme Arizona heat. I immediately parked the vehicle and had it towed it was never driven while overheating. Despite following the contract requirements, CarShield and its administrator, American Auto Shield, denied my claim, blaming me for neglect.
They also refused to send an inspector after the vehicle was transferred to another shop, even though the contract specifically provides for inspection.
This left me without a fair evaluation of my claim. In addition, CarShield failed to provide a rental vehicle, which the policy clearly states should be provided during repairs.
As a result, I have been without my Jeep for well over a month while still making loan and insurance payments on a car I cannot use.
CarShield offered me only a partial settlement that does not come close to covering the repair costs and required me to sign away my rights.
Consumers need to know that CarShields promises of peace of mind are misleading. They did not honor my contract and left me stranded with no support.
- Leave you feeling beaten up
- Unethical
- Fraud
- Bait and switch
Preferred solution: I simply want them to honor their contractual obligations. An apology would be amazing as they have done nothing except blame shifting.
User's recommendation: Don’t waste your MONEY, TIME, or FRUSTRATION
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerPoor service
- Carshield approved a transmission fix but did not notify the shop.
- The shop hadn't heard from Carshield by 10/21; a supervisor callback was promised.
My car has been in the shop for over a week, needing a transmission. I spoke to Claims from Carshield on 10/15 at 1:23 PM, with approval to fix my car.
They were supposed to call the repair shop with that approval after talking to me. I spoke to the repair shop at 4:45 PM, and they had not heard anything. I called Carshield on 10/21 at 1:35 PM, and they were supposed to have someone call me on 10/21. Nothing.
I called this morning and asked for a supervisor, and I was told it will take 24-48 hours for someone to call me back. I explained the situation from yesterday, and the representative, with a very dry tone and no compassion, said he would have someone call me.
The issue is Carshield is trying to approve a used transmission that the repair shop can't warranty, and if that doesn't work, I will not have a car to drive, and the repair shop will still charge me for expenses that Carshield does not cover but will do no more work on my car. I need help.
- Not having repairs covered poor communication and poor customer services
Preferred solution: i am looking for them to cover the repairs for my car with new parts and not used and someone to communicate with me.
User's recommendation: may not be a good warranty company to use
0 out of 5
- Warranty paid 6/24/2025; canceled 7/8/2025; refund not issued as of 9/2/2025; transaction 108******** shows credit claimed 7/8/25.
I paid for the car warranty on 6/24/2025, and on 7/8/2025 I cancelled the contract. They claim if cancelled within 30 days a full refund is guaranteed.
However, that is an untrue statement because it has been a living *** trying to get my money refunded. They gave a transaction ID # 108******** claiming the credit was given on 7/8/25 when the contract was canceled (on the same day, no way), and I have sent all the requested documents. They still hold on to the lie that the charge was reversed and refund has been sent back to the Credit Card used. I was asked to get a letter from the bank /credit union verifying they did not receive the credit, however as of today, September 2, 2025, Carshield still have not issued a refund of my money.
I don't know who handle their monthly accounting, but there is no balancing of records/books at carshield. I asked for the Corporate Headquarters, and I was told "we are the Corporate Headquarters". If this is the Corporate headquarters they need some training in Customer Service/Satisfaction. I have spoken to many reps and even so-called supervisors with no resolution to my issue.
I would "NEVER" recommend carshield to ANYONE!!! Please read ALL reviews, however this one may not make it to the reviews.
User's recommendation: Read ALL reviews, before applying for warranty
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI want people to know what this company is all about before they purchase it I wish I would have read the reviews first
- Paid Cash Shield $129/mo after Honda warranty ended.
- Replacement costs $1,200; coverage only $76.
- Took long to reach support; read reviews first.
When my Honda CV reached 100,000 mi, the warranty from Honda was over, so I reached out to Cash Shield at $129 a month. They were supposed to cover all the major parts.
My passenger window motor was gone; I needed it to be replaced. First, it took me all day to get through to Car Shield, and then, when I did, it was back and forth. Customer service is terrible. When I finally reached the person I needed to speak with, he told me they were only going to cover it for $76.
It cost me $1,200. Please read your reviews before you purchase anything from Cash Shield.
- No pros all cons
Preferred solution: Full refund
User's recommendation: DO NOT WASTE Your Money. Carshield is a scamm...
Las Vegas, Nevada
Wrongfully terminated
- Termination described as unfair and wrongful.
- Seeks to share the experience with homesafe managment and is open to an interview.
Review Title: Wrongfully Terminated Need Accountability
Review: I was terminated from my job under circumstances that I believe were unfair and wrongful. I want to share my experience with homesafe managment and explain what happened, and Im open to discussing this further in an interview.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerResolved: Charged for month's coverage although cancelled
- Cancelled the policy on 4/15/25 around 2 pm but was charged for a full month.
- Deduction occurred at 8:30 am; cancellation had to be done on 4/14.
CarShield said flat out they would not reimburse me because of their policy. I sent a complaint to the AZ state attorney general's office last week, and have not heard back yet.
That is all I know presently.
Thank you for asking. Sincerely, Lynn
On 4/15/25, the date my car protection contract renewed, I called and cancelled the policy, apparently around 2 pm that day. I was still charged for a month's coverage.
When I call I am told the amount was automatically deducted at 8:30 am that day, and I can not cancel the policy later the same day!
(during open for business hours) They say I had to cancel the day before, the 14th, in order not to be charged for an entire month. Baloney!!
User's recommendation: Go Endurance. A lower deductible, and they pay their claims.
I’m trying to get some car insurance
Im trying to get some insurance for my family and I would like to know about my quote.so many insurance try to scam people.and I dont want to be one of them. And I trust in car shield
User's recommendation: I recommend
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNancy Covington
- $173.00 was charged to my card in March and April, twice, without authorization.
- I want the two payments refunded today.
I don't like you people
Ok i went and took a look and ya all took 173.00 off my card witout me saying so March and April no once but twice and i did not give you people the right to take my money off my card i think ill just call my lawyer bout this i want the 2 payments back today.
- Dont
- Poor services result
Preferred solution: Full refund
User's recommendation: Not at all when ya all take money when you wasn't ask to
Very rude salesperson got face
- Upfront $1,000 warranty covers engine and transmission for 3 months.
- Bold print makes terms misleading.
- Car worth $300; paying $1,300 is a bad gamble.
explain need $1,000 upfront warranty covers engine, transmission first 3 months told them why want pay 1,000 upfront zero deductible thats in bold print very misleading other companies all state best u pay 200 be done cover lot more btw, i had endurance not bad u can get 0 deducible carshield not going along much longer look what happened u.s. fidelis offered excellent warranty but when take car repair shop opted out last minute to do work as agreed they got cold feet, very shady company i would trust carshield go belly up.car not even worth 1,000 gamble engine blow up that insane vehi\cle only worth 300.00 why lose 1,300 are u kidding me take junk yard.
User's recommendation: call till find zero deductible covers every moving part, offers cancel anytime.
Insurance Expert Talks
Exposed: Types of Insurance Scams and Fails
In this video interview, Charles R. Gallagher, an attorney, explains what sort of insurance fraud happens with consumers. Find out more about insurance fraud, the worst cases discovered, and how to protect yourself from insurance scam.
Charles R. Gallagher, an attorney and managing partner with Gallagher & Associates. His practice focuses on insurance litigation, foreclosure defense and consumer law.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerRefund
- I asked for an email about our transaction and am waiting for a reply.
- The agent was helpful and said there is no investigation.
I asked for an email about our transaction, so I am presently waiting on the response agent was quite helpful they updated me on what had transpired and told me that they were not under any investigation anymore
They take you through a bunch of crap to get your reimbursement money back for the rental
- Support was unhelpful; they wouldn't reimburse, so I canceled after a second issue and paid about $90/month for 3 years.
Not willing to help, they act like everything is your fault I let it go the first time they wouldn't reimburse me this is the second time so I just decided to cancel my contract, I pay almost $90 a month for the last 3 years
Great customer service
They were polite and great and handled my problem with care. I love there customer service and the care
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thank you for helping me move on to another company...
Fair warning, ALL these companies operate pretty much the same. Cars today are very reliable.
Put your money in the bank and use it for maintenance & real repairs, not for insurance that you'll most likely end up having to pay for the repairs yourself anyway. People typically buy insurance for a piece of mind, but when it comes to car repair policies, you're buying empty promises. Nearly everything with a vehicle can be attributed to "normal wear & tear", "pre-existing condition", "neglect or abuse". Remember, maintenance is not included in the coverage.
Send the check to a charity, they'll pay as much towards your car repairs as these "polices" will. Car repair shops are NOT required to deal with Car Shield or any of these companies (most smaller shops will tell you to deal with them, AFTER you pay them first). Why create those headaches for yourself?
You'll always pay a lot more in premiums than you'll ever get out of them. But it's your money.
Why is carshild commercials on California t v??? It says Not a!valible in California so take that annoying commercial off!!
California probably kicked them out. Consider yourself lucky.
Paid actors are what you're seeing on their advertisements. What you read in these comments is the reality of what occurs when claims are presented, no actors.
Attorneys write these contracts including the fine print. Cars today have a high rate of dependability and infrequent break downs. If you feel a need to buy a service contract, go to a franchised dealer for your brand. That way you at least have a physical address (brick and mortar) place of business should you have a problem.
Service contract companies like, Car Shield, have been around a long time the pioneers and subsequent companies are no longer in business for good reason. Now, like a transformer they reinvent themselves into what we have here. In time, Car Shield will be gone, like their predecessors leaving a trail of unhappy customers and their class action lawsuits.
Do not fall into that category. Do not waste your time or money in what your being sold.
There is a BBB alert on this company, citing a pattern of failing to provide customer service or make repairs. BBB urges consumers to use caution if they decide to do business with CarShield. They have an F rating and thousands of complaints.
Well just look at the chimp in the comercials that says it all
I called them to get information about their service because of a radio ad I heard. I had to tell the salesman twice that I was simply calling for a free quote as advertised as he was very eager to get me to sign up with a credit card.
I then told him again I was simply asking for a quote as a favor for another person.
In the end I felt something wasn't right and hung up. I did a consumer review by finding this thread and am glad I went with my gut feeling.
These types of auto repair insurance companies have been around for a long time. They are not "warranties" Only authorized dealers, through the manufacturer offer factory coverage for either new, pre-owned or certified vehicles.
Companies like Car Shield are for profit corporations. Their goal is to sell as many policies as they can and in many cases adjust claims by referring to the fine print in a convoluted policy description. be aware of what you are purchasing and understand that attorneys have written these policies. My thought is if you're going to buy protection do it through a dealer that sells your brand name.
Not all cars will qualify. That way you have a brick-and-mortar place of business (an actual physical building) that services your type of vehicle for a face-to-face conversation should you have an issue you would stand a better chance of resolution should you have an issue.
Agree 100%
The state began overseeing regular insurance companies (auto, home, life) because of rampant fraud. and consumer complaints.
Companies like car shield are not overseen by state regulators.
Just read the Better Business Bureau advisory on this company. https://***/us/mo/saint-peters/profile/auto-service-contract-companies/carshield-0734-31****296
Why the heck should you have to pay any deductible for a$100+ a month car part repair insurance company !?
I am currently looking for warranty insurance but after reading this post post. I have changed my mind about CARSHIELD.!!!
I would never buy this type of "Insurance" from anyone, not even dealer extended warranties. It's just not worth it.
Since 2002 my family (4 of us) & I have owned 9 different vehicles. I keep a spreadsheet of all repairs & maintenance done on these cars & pickup trucks since the day we owned them to the day we sold, totaled or junked them. Maintenance & Repairs included everything from oil changes every 5,000 miles, tire rotations, cabin filter replacements, cooling system repairs/flushes, Transmission work, new catalytic converters to new brakes/rotors, new tires, new batteries, steering issues, timing belts, water pumps, back-up camera replacement, tune ups, new exhaust systems, head light replacements, paint touch-ups, and even windshield washer fluid refills & inspection stickers, and ALL work was performed by either a Dealership or local mechanic (Not by owner). Not one vehicle exceeded an average of $1,000 a year, many less than $500/year average.
How much do people pay for all that with Car Shield? I'm also pretty sure Car Shield DOES NOT pay for routine preventative maintenance which my figures include. Today's cars are far more reliable than they were when I was 16 in the early 1970s. So don't let someone sell you insurance that costs more than your repairs would, that's wasteful.
After all, that's exactly how they make their profits. They use fear to sell this type of insurance. With all my maintenance & repairs, I did not have deal with a 3rd party like Car Shield and experience claims being denied either.I could have saved money doing my own oil changes & battery replacements etc., but I didn't since I'm older. Remember, not all these repairs happen in the same year.
2002 Ford Ranger = $2,936/6 years owned = avg $489/year for ALL maintenance & repairs 2004 Hyundai Elantra = $5,092/8 years owned = avg $637/year for ALL maintenance & repairs 2004 Hyundai Sonata = $8,924/9 years owned = avg $992/year for ALL maintenance & repairs 2005 Chevy Cobalt = $650/2 years owned = avg $325/year for ALL maintenance & repairs 2010 Ford Focus = $3,355/10 years owned = avg $336/year for ALL maintenance & repairs 2010 Mazda = $500/2 years owned = avg $250/year for ALL maintenance & repairs 2012 KIA Optima = $7,629/8 years owned = avg $954/year for ALL maintenance & repairs 2014 Nissan Frontier = $4,726/5 years owned = avg $946/year for ALL maintenance & repairs 2019 Honda CRV = $200/2 years owned = avg $100/year for ALL maintenance & repairs I shake my head when I see these types of insurance pushed on TV and I toss out the flyers I receive in the mail from car Shield and a number of similar businesses. Put that money you're paying for premiums in a savings account if you need to have a dedicated car-repair fund. Then watch it grow.
The older a car gets, the more repairs it needs, and I'm sure Car Shield premiums rise with the age of your vehicle too. Car Shield isn't worth it EVEN if they paid for preventive maintenance which they don't.
They are greedy corporate giants. That's why they why they won't insure car with over 150,000 miles and that's because most cars don't break down before 150,000 miles. BEWARE !!!!!
I work with real insurance companies that issue dealership service contracts (NOT junk like carshield). Your past experience with "self insuring" your vehicles has been good, but I expect as your start to own newer, more tech based vehicles (like the 2019 Honda), you will see increasing expense.
Our current claim frequencies and expenses per policy have risen as technology (which always involves R&R -remove/replace- as the solve),rising parts costs and increasing labor rates have all edged the dollars up. A reputable, exclusionary policy is still a good value for someone who plans to own a more modern vehicle past the factory coverage.
I have done this job for over 20 years, and I keep a policy on every vehicle I personally own. Averages prices are less than 10% of the value of the vehicle, which makes it affordable
how do i sue them or join class action law suite
Contact consumer affairs.
I've been a customer for over a year now, and my motor is making very grinding noises but reading these disappointment reviews are scaring me to call them
Terrible company. People answering the phones are dumb at best and will not transfer you to someone with a logical brain. Worst investment ever, Ice-T can do his commercials but he has been a nobody for may years.