CarShield

Hi, My name is ***, I have Contract Number: *** with carshield. When the lady called me to purchase the policy, she said my engine was covered. whenever I need new engine it will be cover. But when my BMW broke, I towed it to BMW dealership to see what was going on. The Dealer ship said a lot of metal in oil filter and engine locked. I had to replace the engine. Then they file a complaint with carshield and carshield said no. I then called them by myself and the lady on the phone said it was not cover because of the PREVIOUS owner lack of maintenance,. The BMW dealer tried to call them many time but not successful. They wanted me to bring it to another shop to have the engine tear down to see what is going on and all the cost I have to pay. If they found parts broke then they might consider to replace that part, but cost of tear down an BMW v8 engine and then labor to put it back is too high I can not effort for it. I've been waiting for months. then I bought a used engine and put it in myself. When I called to cancel the policy the lady then try to keep me buy the contract, she lower my rate from 109 to 89 per month and won't do any thing for my replacement engine. I want all my monthly payment back. I bought the contract, paying money every month and when problem come. I had to pay out of my pocket. I want all my monthly payment back.

I purchased an extended warranty with Car Shield, which I've had for several years and my most recent contract I was told at the time of our telephone conversation, during renewal, that repairs for my car would be covered under my new contract, minus the electrical system.
Today (12/16), I had to take my car in for service due to the Check Engine light appearing 12/15. When the repair shop contacted them to determine what they cover, they denied the claim for replacement of the failing part (Leak Detection Pump).
When I telephoned Car Shield, the representative told me that in the FINE PRINT of my contract, it states that ALL PARTS NOT LISTED UNDER COVERED PARTS, means the part is NOT COVERED.
So the next obvious request on my part is for them to provide me a full list of all the parts not covered and she told me she couldn't do that because no such list exists.
Then how in the world, as a consumer are we supposed to know what's actually covered and what's not? I'm not a mechanic and Car Shield has deceptive practices when they tell you one thing (verbally) and then defer to the contract that actually still doesn't explain things in layman's terms. I have a BMW 535is.
Due to this incident, I took the time to research how many parts (under the hood of a BMW) there are over 500. I counted 537, excluding the electrical system since my warranty does not cover any repairs associated with it.
The Car Shield representative told me there are too many parts to list what's excluded; that is NOT my issue as the consumer. Their job is to provide their consumers with transparent information so that we make informed decisions that are not based upon deceptive practices.

They TERRIBLY MISLEAD Me. And have cheated me out of 903.00 that I've paid consistently paid viia auto pay from my checking account. I am a senior citizen and Cancer Patient. And I am living on minimal funding and this is why I entrusted in the many promises assured to me by this company.my vehicle's year make & model are very well in stipulation to be completly covered under warranty, as I were informed during the introductory and enrollment process.I was falsely assured that even my entire engine would be covered. I have been current on payment each month since April. The MAIN ENTITY that reeled me in...was simply to have coverage in the event of the unexpected...and limited resources. Ive been swindled and falsely secured. I now need the top portion of my engine repaired, and have been denied, when my entire engine was to be secured via printed verbiage. There are other very disappointed customer that are starting a company against the fraudulently, misleading and misadvertising and dishonerable company. My car is now Parked outside and my mobility is limited. I have anticipated doctor appointments and other needs to travel and attend to. I desperately need assistance with receiving the 903.00 back to get my car fixed. And also your best recommendation for the most dependable warranty company available, I would very well appreciate and cherish Thank You.

THERE IS NO SELECTION FOR ZERO STARS...BUYER BEWARE DECEPTIVE PRACTICES!!:
Smooth Sales Versus No Claim Support:
It’s only a matter of time before Carshield/Autoshield deny you claim when you need it the most
Car shield/*** like to pass the customer around and around, and repeat the company script… “It’s not listed”
“In a matter of minutes you can be uncovered” should be their motto. Because as mentioned above the sales force is good, considerate and smooth, but once you sign up of course and made auto payments, when you need them they deny you. I bought the platinum, month-month, with road side assistance and the Addendum 1 additional Coverage for the Luxury Equipment Package (LEP), which by the “seller ID: 500405D”, would cover my entire infotainment system. By entire, I would think that included the amplifier. A few months and over $400 in payments later, before my 2015 Hyundai Genesis went in for routine service, the sound stopped coming through my speakers. I called Car shield to find out what had to be done to submit a claim for no sound. My car went in for service, my maintenance manager called the number for *** provided to me by Car Shield to initiate the claim. Come to find out the amplifier that goes to my infotainment system went out, the shop submitted a claim, and America Auto Shield denied the claim because they stated that the amplifier is not listed in the list of items that are covered. Part of my contract Except from Car shield:
15. AUDIO CENTER: Vehicle manufacturer installed standalone radios, magnetic tape players/recorders, compact disc players, and graphic equalizers. Coverage does not include remote compact disc players/changers, regardless of location.
16. See Addendum 1 for any ADDITIONAL COVERAGES that may apply to this CONTRACT.
ONLY THOSE PARTS LISTED ABOVE AND IN ADDENDUM 1, IF APPLICABLE, ARE COVERED PARTS. ANY PARTS NOT LISTED ARE NOT COVERED BY YOUR CONTRACT.
Information in Addendum 1 stated:
Addendum 1, additional Coverages: The following components/parts are COVERED in additional to the COVERAGE listed under section B, of this CONTRACT. COVERAGE for the components/parts listed below supersedes those excluded in section D, “EXCLUSIONS, “ of this CONTRACT.
• LUXURY ELECTRONIC PACKAGE (LEP): the following specifically named VEHICLE Manufacturer/Factory installed parts are covered: Radio/GPS/Navigation Components.
To summarize the sale person specifically pitched to me that having the LEP “would cover all of my infotainment component, even mentioning the amplifier, speakers…. . But, when I turned my vehicle in and submitted a claim for the amplifier, I was denied, because the initial Autoshield person “Liz” stated that the amplifier is not covered, that amplifiers as a word was not listed under items covered. She even pointed me to Addendum 1, which stated “the following specifically named VEHICLE Manufacturer/Factory installed parts are covered: Radio/GPS/Navigation Components”.
I do not know how the systems that Car shield/*** use to determine what they are going to cover is developed. What I do know is that in any infotainment system radio, GPS, Navigation, CD/DVD player, etc…) the head unit function (radio CD/DVD, SiriusXM, etc…) sent a signal to the amplifier, who in turn sends power to the speakers so that the navigation voice, radio music comes out of the speakers. There are usually 3 components to an audio stereo for a car. The consist of a head unit, amplifier, and speakers. If any of these 3 components fail, most likely there will be little if no sound that comes out of the speakers. (To edify those who seem to not know what a “component” of a radio is, I added some references below). My maintenance manager found that my amplifier was blown in this scenario. Since Friday, 13 December 2019, I have been fighting with Car shield and ***. At the end of Friday, I was told by the Car shield customer care person “Bailey”, that they had elevated my situation to Stephanie (*** customer relations) and they (Car shield and ***) agreed to have the amplifier issue taken care of. Today, this morning I get a vmail from Johnny (an adjuster) at *** stating the same line I was initially told on Friday. This time he stated that the amplifier was a standalone amplifier (whatever that is) so it was not covered. So I started the phone calls again, I spoke with Ken at Car shield, while sympathetic and agreed with my position, did not help. Ken was able to look at the Car shield notes that stated that there was an agreement between Car shield and *** to repair/replace the amplifier from Friday 12/13/2019. Ken then forwarded me to claims (***). The rep Joyce, who kept trying to talk over me and who said she did not see any notes in the *** system, also stated the company line that the amplifier was not covered. I was then instructed that I need to call Car shield again, rep Monica, who once I stated that Baily (Car shield) and Stephanie (***) had spoken and agreed, for me to call and talk with Stephanie directly since se reversed the decision honoring the claim. The rep at ***, Customer Escalation, Juan V., first denied that there were any Stephanie’s in the organization, then realizing there were, flat out refused to allow me (the customer) to speak with the customer relations person (Stephanie), nor would he take my information for Stephanie to call me, stating that the “Customer Relations person does not speak with customers”. Juan V. did forward me to an adjuster, Hector, who again repeated the company line, then forwarded me to a supervisor “Parn (would not give his last name nor elevate my issue) even though in his own words he stated “In your car, the amplifier is a component of your stereo” but because it is not located at the head unit/radio, it is not covered”. That’s BS…., another made up reason to deny the claim. Parn, I assume got tired of knowing he was doing the wrong thing and out the blue told me that if I wanted arbitrate the situation I was welcome to. The final person I talked to at Car shield “Monica” straight out lied that the claims department (***) and my maintenance manager were working out my claim “right now” and that I needed to give it 20 minutes then call ***. I waited then called ***, “Felicia” who stated nothing had changed from my earlier conversations, the amplifier was denied. I called my maintenance manager who told me no one from *** spoke with her in reference re submitting the claim. See, a lie.
Bottom Line: Car shield and ***s made an agreement that was relayed to me on 12/13, but *** reneged, and blocked any possibility to speak with the person who approved the repair, there by screwing the customer, and losing any confidence that I was going to give them after this event, and their Car and *** deceptive practices.
Both Car shield and *** are scams. They talk smooth and are nice on the sale, but are piece of *** on the support.
I will be cancelling my contract and turning the pending withdrawal in my checking account as fraudulent and have it cancelled too.
Just so you know:
In describing an car’s audio system it Edmonds.com states ”But no matter how complex it is, every car audio system consists of three main components. The first is the radio or "head unit" that controls the entire system and generates the audio signal. The second is an amplifier that increases the strength of the audio signal so that it can drive the third component, the speakers that reproduce the sound.”
*** Also, according to drivinglife.net “There are mainly three components of car audio system, which are widely known as head unit, amplifier, and speakers”.

I purchased the Gold level contract the the said business in September 2019. I ended up with my car 2018 Subaru Impreza needing engine head gasget repairs. Which the contract is suppose to cover engine and components. When the repair shop called automatically told denied and nothing was being covered. I then called said business about the contract and why they refused to cover said complaint. I was informed oh we dont cover any gadgets or leaks. Well if you have something broke with the engine or anything like that it all contains fluids and it leaks.. how silly to think differently about it. So, I said your not covering anything, she said no. But we will give you a 20% off your monthly contract cost from here on out. I could not believe the audacity of her to deny any repairs but, we will discount your contract. This company doesn't do or claim they do in their advertising nor are on the up and up with those of us that are stupid enough to get a contract through them. I want my 397.00 for the 4 months I've paid for a no good contract for repairs . In the meantime, I've had a 2,000.00 bill out of pocket to pay. This Carshield business should be closed for False Advertising and out right taking advantage of its consumers.

Not pleased at all. Biggest joke! Sounds too good to be true, then you best know it is.

I purchased a warranty from this company in 9/2019 after I purchased the car. They told me they would cover the engine, transmission and other items. I was at a stop sign one day and my car would not start. I towed it in to the repair shop. It was reported to Carshield. The timing chain had broke and it did a lot of damage to the engine. The repair shop said I needed a new engine. Carshield told me they would only pay for the timing chain only. They said I would be responsible for the rest. I am having a hard time getting them to fix my car completely. They were supposed to rent a car for me and that hasn't happened. They are still taking payments from my account. I am 76 years old and I am fighting cancer and I don't need all of this.

I went on a trip out of town 2 days before my grace period ended and I herd a noise coming from the rear of my vehicle as I drove out of town I went to take it to a local ASE certified dealer of my choice and the dealer called me and told me I had worn gears and the differential had excessive clearance between the ring and pinion the dealer calls me a few days later to tell me I have to pay for tear down of the axle assembly and a new differential the warranty department couldn't step out of their way to approve the repair now I totally understand the contract and the coverage details and the contract that I sighned but you would think they would try to approve a repair or at least go 50/50 on the cost of the bill with the dealer so I call carsheild to try to get a refund for the expense to pay for the repairs then im told they don't do refunds and that I need to keep the warranty in case something else happens but they only offer u a percentage off of a differential assembly when I can go online and get a re-manufactured for half the price they offered me with warranty through the dealer I chose so I feel lie carsheild is nothing more than a wast of my time not including that id have to pay the extra $100 deductible for it to be repaired

I purchased a month-to-month vehicle warranty from CarShield in August of 2019. After the first month of the contract I decided it wasn't worth the price. The contract was setup (required) as a direct withdrawal payment. The payment for November was withdrawn on 11/23/19 and I cancelled on 11/25/19. I was verbally informed that there was no FULL Refund of payments after the first 30 days. I then went to the contract I was sent by CarShield (with my name & vehicle VIN # on it) and in section "O" on Cancellation of Your Contract it states; " If cancelled within a Renewal term, YOU will receive a pro rata refund based upon the number of days in force compared to the total number of days in that Renewal Term, less claims paid and less a cancellation fee of Fifty Dollars ($50.00), subject to state specific information provided in the "Individual State-Specific Variance" page at the end of this Contract."
When I called CarShield on 12/13/19 to check on when this refund would be issued they informed me that there was no refund due since it was a month-to-month policy. The contract I have has no verbiage in the Cancellation section differentiating a month-to-month plan from any other type plan. They are termed the CONTRACT. This refusal is, in my view, a misinterpretation or violation of the contract. The representative, Acia, was not honoring the letter of the contract.

This business is a joke, scam and a rip off... I own a business in NC . I repair vehicles at my business.. I had 3 vehicles in my shop in one week that got denied on the repairs..one of the reasons is the owner had not driven his car enough miles since purchasing, who cares how many miles it was driven..The customer paid for the policy so it should be covered...That vehicle was a Mercedes...The other one was a volkswagen, it had a salvage title, they denied the claim for that reason..any excuse they could come up with to deny the claims.. then there was a BMW belonging to Ms ***, It needs an engine, they refuse to cover this... Please take this company out of Business, So many people are being taken advantage of... Thank You

Looking at all the bad reviews and the actors that they get to the Commercials that's why the public believe in car shield what a rip off the owner or owners car shield all should all be locked up what a bunch of criminals.

They are ripping people off,not honor their warranty.someone need to sue them.and show them they cant do this.

Idk why the show this in California I called and they dont cover cars here....kind of dumb you promoted it on TV here

CAR SHIELD COPORATE 11 December 2019
ATTN: COMPLAINT DIVISION
333 MID – RIVERS MALL DRIVE
SAINT PETERS, MO 63379

Reference: ENROLLMENT INTO PRESENT CONTRACT # MRF ***; 07/25/2019
This correspondence is in regard to your organization refusal to approve my claim # *** which was first submitted on 03 December 2019 at Heritage Volkswagen in Union City, Ga. I wish to complain submit testimony to the total lack of customer support and unprofessionalism in which I was exposed to by your customer service department, authorization department and technical support personnel during the initial claim process. All your departments were very rude, arrogant and extremely unsensitive in regard to the above-mentioned claim.
I was told upon my enrollment in July I would be entitled to total engine, transmission and powertrain coverage except for wear out items. Also, I was never providing a complete itemized listing of covered and not covered parts and items. Also, never did the person during enrollment explain to me that diagnostics and teardown of both the engine and transmission were my responsibility and at my expense.
I believe this in both legal and layman’s terms referred to as a “bait and switch” which by federal law is totally illegal.
So, I would like my vehicle repaired and do not want any further fine-print coverups by your so-called technical experts about splitting hairs to the fact my vehicle may be covered under my contract warranty or not covered. The dealer stated I needed a new engine (document attached) to the excess burning if oil. Your technician sent out out and adjuster to take pictures the next day and determined the oil color was consisted with in normal limits. However, the engine oil level on Tuesday was 2 ½ quarts low of oil and needed oil for me to drive the vehicle safety. Thus, this is the reason your adjuster and claim technician determined my oil level and condition was in manufacturer’s tolerance.
Also, the dealer performs compression tests and other engine analysis and by the Volkswagen experienced technicians provided the report.
Lastly, either my vehicle is approved for repair or I want my present contact cancelled with a complete refund of my monthly fees paid since *** 2019 (6 @ 99 = $594.00) due to your organizations breach of contact and also my diagnosis fee from 03 December 2019 (attached copy)
My family attorney has a copy of this letter and repair estimates from the dealership awaiting your response to take on any further possible legal action,

Truly a terrible experience with your customer service department on this vehicle.

SINCERELY YOURS

Paid my claim with no issues. Im glad I have car shield. Thank you God.

I didn’t get my transmission fixed because CarShield *** me.The transmission on my Ford van broke so I took it to a transmission repair facility. The office manager called CarShield and they said I would have to pay$839.50 out of my own pocket to remove my transmission, tear it down and diagnose it. Only then would Car Shield consider paying for the work . Even if they did, they would only replace the damaged parts. Putting new parts in an old transmisssion with 120,000 miles on it is stupid. They wouldn’t even consider putting in a rebuilt transmission. The office manager argued with a peon for awhile then demanded to speak to a supervisor. The supervisor supported the peon and wouldn’t work with her at all.
I think CarShield should reimburse me for the monthly payments I made and stop deceiving customers.

Lieing no good ***! Took money and didn't honor the warranty! Then some non English representative *** everything up! Don't give these *** a dime! They will rip you off!!

After Car shield falsely advertised that they would cover repairs to my car, they company con it’s way out of fixing agreed upon repairs. I requested a refund for my monthly payment in addition to cancellation of the contract.

Will never sign up with them. Called for info only and was pressured by two people. The supervisor, a man, was so abusive I told him I would end the call and he still would not stop. I am not easily pushed and even I have never been pressured like that. Wrong tactic buddy! Avoid this company like the plague.

We couldn’t be happier with our warranty. Our first warranty ran out and we had saved so much money that we immediately bought another 6 year warranty. We also recently bought my wife’s elderly aunt a warranty for her older vehicle. We did this just in time as she saved over $500.00 already. I can’t praise CarShield enough. When we tell a mechanic that we have CarShield, they tell us that they’re a great company and we’ll have no problem with coverage. We are very fortunate to have this coverage as my wife and I are both elderly and don’t have to worry about car repair bills.