CarShield
CarShield Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CarShield has 1.5 star rating based on 370 customer reviews. Consumers are mostly dissatisfied.
67% of users would likely recommend CarShield to a friend or colleague.
- Rating Distribution
Pros: Good only in collecting money from me, No pros, Good at collecting your money.
Cons: Poor services result, Customer service and claims dept, Refused to pay for repair of covered failure.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
CarShield has 1.5 star rating based on 370 customer reviews. Consumers are mostly dissatisfied.
67% of users would likely recommend CarShield to a friend or colleague.
- Rating Distribution
Pros: Good only in collecting money from me, No pros, Good at collecting your money.
Cons: Poor services result, Customer service and claims dept, Refused to pay for repair of covered failure.Recent recommendations regarding this business are as follows: "Go Endurance. A lower deductible, and they pay their claims.", "You need to make it everything you do non-computerized and get rid of all computers", "Not at all when ya all take money when you wasn't ask to", "Don't Believe The Hype", "Bank your money & when something happens it will be there when you need it".
Most users ask CarShield for the refund as a solution to their issues.
Consumers are not pleased with Reliability and Discounts and Special Offers. The price level of this organization is high according to consumer reviews.
Media from reviews
Is CarShield Legit?
Our analysis shows that CarShield is legit, safe for consumers to access and is not a scam. carshield.com follows necessary security procedures to protect its users. However, since some issues have been reported, it’s always a good idea to do your own checking of CarShield reviews to learn more about other consumers' experiences.
Top CarShield Reviews
"Refund"
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...
"They take you through a bunch of crap to get your reimbursement money back for the rental"
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...
Reynoldsburg, Ohio
They take you through a bunch of crap to get your reimbursement money back for the rental
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
Don't BUY THIS INSURANCE
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 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 ReviewerCarShield Commercials Are Short On Honesty
Haven't heard from them!!
2007 Chrysler 300C Hemi 5.7L
Couple of years back when I were a CarShield aka American Auto Shield customer...I had a transmission problem. I took my car to Warren Transmission here in Winston Salem, N.C.
Mr. Warren contacted CarShield on my behalf. He was then contacted by American Auto Shield wherein they told him that he would need to break the transmission down and they would send one of their representatives to inspect the transmission to see if it would be covered?
Unfortunately for me... it wasn't covered by them and because they made the mechanic break down my transmission...
I was stuck between a rock and a hard place!! Cost me over $3,000.00 out of pocket!! Mr. Warren told me that he'd seen this over and over again from CarShield aka American Auto Shield.
He said that they're the worst one of these extended car warranty companies. Despite what you've heard or seen in this CarShield commercials... go in at your own risk!!
P.S...during the commercial... take a look at the small print at the bottom.
You will see that it's all American Auto Shield!!
Vivica Fox and Ice T don't really need CarShield!! They are paid to lie for these people!!
- Carshield representatives are nice if you get anyone on the phone
- American auto shield are very nasty when its time to pay
Preferred solution: Compensation for the mental stress that I suffered and a apology! My initial down payment of $179.99
User's recommendation: Don't Believe The Hype
I have not heard one single good thing about this company and I am disappointed Vivica A Fox agreed to do commercials for them. Instead of paying CarShield, stow away some extra money for emergencies.
Need help with your issue?
Get support from our consumer experts.
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 |
Redmond, Washington
Resolved: Charged for month's coverage although cancelled
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.
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
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
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 |
Ware, Massachusetts
Refund
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
Charlotte, North Carolina
Great customer service
They were polite and great and handled my problem with care. I love there customer service and the care
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 ReviewerSpeak to an agent to see if you have a policy that’s usable
Is there any value in the service that you guys provide? Are you able to provide me with a warranty for my vehicle?
- You promised things of what you never deliver
Preferred solution: Full refund
User's recommendation: You need to make it everything you do non-computerized and get rid of all computers
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 ReviewerTo find someone who takes the Ins
I cant find anyone to take car shield please send name of in the Knoxville Tennessee area I have had the insurance for two to three years when I need to use it I cant find anyone a dealer that takes it so who will take it
Preferred solution: Phone number
Pueblo, Colorado
Diesel trucks
I was promised that my diesel truck def they help me too get that CarSield paying for it and I found out is not so
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 ReviewerCancel payment date
I got done what i wanted to happen customer service was great.123334****666666****766667****7777****
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 ReviewerMisleading contract and services
have supplied all documentation and was verbally told an offer would be made after receiving the final document after two appeals m, if the tow invoice.
Once supplied I was offered 2 payments back and was denied the ability to make payments for months and taken off of automatic payments.
This is my final attempt with carshield and american auto shield to comply.
The denial is clearly not a plausible explanations within the contract and I have been given many reasons that of denial of claim that have been reopened and then given a different reason afterwards.
Since my initial shopping for service contract providers carshield and american auto shield have mislead me with their advertising, a 90 minute sign up conversation where detailed questions were asked of carshield and misleading information on coverage and details of contract. I verbally requested to review contract before initiating and was told I would only get one after I made payment and start payment plan.
The representative was Richard Melendez, employee #
RM7618, Contract number MRF503****
I was told a 30 day money back guarantee and to not pay the claim that is valid and american auto shield as an arbitrator and inspector could find no true or contractual verbiage of denial I was offered a confidential settlement in lieu of services received for claim 245**** due to mechanical failure.
My first denial conversation was with Anthony, which I recorded for 77 minutes where he initially said it was denied.
Then stated the system denied based on a computer algorithm used by AAS and coached me on what I could provide. He stated it went be the carfax and that the reason for denial was mileage inconsistency yet there was on a sale, registration and oil change during my ownership. I was able to overturn that denial with proof of photos including mileage, dates, location etc. along with supporting documents of services done (repair order for oil change done) and sale documents because the algorithm was based on previous owner driving habits, not mine.
The second denial was due to being towed by AAA and unable to get an invoice from AAA, only a letter on their letterhead, email from a AAA representative stating the dates and events with all information along with their contact information.
The third dispute and verbal conversation was we are just waiting on tow bill to give you the adjusters offer of repair
Within 24 hours of sending an actual invoice from Congers Towing, along with photos they took of car and odometer, I received a confidential settlement
I then sent an email to anyone and everyone as advised by my legal representative and received a call from Mrs Schaefer from Carshield, asking What would I like to happen, it is normal for us to offer payments back on a denied claim as a courtesy. I reviewed and discussed timeline of events, conversations, documents sent, lack of communication and the payment issues with representatives stating that account was on hold since June 2 2024 and being removed from autopay. When I went to make payment online it wouldnt take full amount of $139.99 only $39.99. She agreed, and said she would contact Derek at AAS and resolve and promised to get back to me stating would you give me 2-4 hours to handle the situation and get the resolution your looking for?
I did not hear back from her and received an email first thing the next morning from Derek Martin, reiterating a denial and stating that since I didnt respond to his initial offer of monthly payments back that I had indirectly (my perception) forfeited that as well.
I responded in an email that I was awaiting Mrs Schaefer call back and that they should have been in contact. In addition, I did not forfeit anything and was under the impression she was finally resolving this.
That email and last correspondence from both AAS and carshield was, August 7 2024, no response to date. Multiple emails sent to Derek and direct voicemails left for him with his direct contact information given to me.
I will proceed with legal representation if we can not come to a fair agreement.
- Accepted at manufacturer dealers
- Denial of coverage on a covered part
Preferred solution: Deliver product or service ordered
User's recommendation: Source another provider
Tampa, Florida
Nothing has been covered for 2 years
Every claim I've had has been declined. I call they tell me to take it to the dealer.
They decline the claim as not covered and I have to pay the dealer for towing and estimate labor then the repair. This is the 8th time and nothing has been covered!!
I have cancelled my policy!! Don't waste your money
User's recommendation: Don't waste your money
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.
Bonita Springs, Florida
Claim 259****
Deal with Dealer much better with pricing not subscriber 100 dollar deductible should MEAN 100 dollars deductible
User's recommendation: Bank your money & when something happens it will be there when you need it
Chicago, Illinois
I have a claim and the shop isn't able to begin the work on my truck due to car shield asking for service report. Which my truck hasn't needed any service. The transmission just went out. There's
There's no service reports my truck needed no service. My transmission just went out.
I took it to the shop and called car shield to make my claim. Everything was going well with that until the service report thing came up. THERE'S NO SERVICE REPORT.
CAN THE SHOP START REPAIRING MY TRUCK. PLEASE NOTIFY ME LETTING ME SOMETHING.
Indianapolis, Indiana
Canceling my service
I don't need this service anymore. They don't pay for anything for anymore.
I want my money back. They don't help me with nothing I have to paid for everything out of my pocket.
I wish them the best for I don't need there service anymore. I just want my money back and take my card off of bills pay.
Companies Similar to CarShield
Endurance Warranty Servic...
“Complaint: 2296**** I am rejecting this response because: Endurance has breached the contract and failed...“
American Auto Shield
“My policy was recently voided, and I was told that I would be getting a refund. However, I never...“
CARCHEX
“Hello, I am interested in purchasing an extended warranty for a used vehicle I recently bought. I just...“
Protect My Car
“They charge me twice a month when I'm only supposed to be charged once and when you call it just hangs...“
Thank You for Your Reply! We are processing your message.
Your comment is successfully posted.
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.