Automobile service plans, also known as vehicle service contracts or extended warranties, are offered by various third-party providers to cover repair costs beyond a manufacturer's warranty. Below is a curated list of prominent providers based on recent industry reviews. This summarizes common complaints from customer reviews, BBB filings, and other sources, focusing on patterns like claim denials, customer service issues, and refund problems. Note that each case may be different, and some courts may rely upon technical exclusionary language or limitations in policies even though advertisements and marketing seem to promise broad coverage and reimbursement.
| Provider | Summary of Complaints | Key Sources |
|---|---|---|
|
Endurance |
Frequent issues with claim processing delays, denials due to "pre-existing conditions" or coverage misunderstandings, and communication challenges like unreturned calls. Some customers report denied claims for high-cost repairs (e.g., engines) despite proper maintenance documentation. Positive aspects include in-house claims handling, but negative experiences highlight frustration with inspectors and reimbursement limits. |
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|
CarShield |
Common complaints involve denied claims . |
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CARCHEX (Carchex) |
Denials for claims due to "upgrades" or policy exclusions, pushy sales tactics, and difficulties canceling or getting refunds. Some report contracts not effective immediately despite stated terms, leading to out-of-pocket costs. Customer service is criticized for lack of responsiveness. |
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autopom! |
Limited complaints, but some involve partial claim payments (e.g., not covering full labor rates) or denials for specific parts. Issues with finding accepting repair shops and delays in roadside assistance. Overall ratings are positive, with fewer volume complaints. |
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Toco Warranty |
Delays in reimbursements (e.g., oil changes taking months), denials for not following exact procedures (like pre-inspections), and partial coverage on approved claims. Some report frustration with assigned plans based on mileage. |
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Olive |
Denials for "pre-existing conditions" without clear evidence, requirements for costly teardowns at customer expense, and poor support for diagnostics. Some complain about exclusions for tech components like infotainment. |
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American Dream Auto Protect |
High volume of denials for "pre-existing" issues or exclusions not clearly explained during sales. Delays in claims (e.g., weeks with vehicle in shop), rude service, and refund issues. Some report misleading sales about coverage scope. |
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|
Protect My Car |
Denials after inspections (e.g., engine claims rejected), poor customer service accessibility, and issues with free maintenance perks like oil changes. Some report scamming tactics or unauthorized charges. |
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Concord Auto Protect |
Significant complaints about failing to pay claims, ignoring calls, and denying refunds. A 2025 lawsuit by Pennsylvania AG alleges deceptive practices and scamming, with 363 consumer filings. Issues include no response during claims, leading to out-of-pocket repairs. |
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|
AA Auto Protection |
Refusal to pay full claims (e.g., insisting on used parts), poor refund processing after cancellations, and harassing sales calls. High complaint volume relative to reviews, with F BBB rating. |
For PDFs or detailed reports, no direct attachments were found, but sources like BBB often provide downloadable complaint summaries. If considering a plan, review sample contracts and check state insurance regulators for complaints (e.g., via USA.gov). Always compare multiple quotes and read exclusions carefully.
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