topic Re: Has Anyone Used a Car Repair Insurance Company? in Community Chat

Has Anyone Used a Car Repair Insurance Company?

beach-mom — Thu, 03 Jul 2025 21:02:10 GMT

I'm specifically talking about Car Shield and Endurance. Someone contacted DH, and it sounds too good to be true.

Re: Has Anyone Used a Car Repair Insurance Company?

CelticCrafter — Thu, 03 Jul 2025 21:33:47 GMT

@beach-mom wrote:
I'm specifically talking about Car Shield and Endurance. Someone contacted DH, and it sounds too good to be true.

Then it probably is.

Re: Has Anyone Used a Car Repair Insurance Company?

Venezia — Thu, 03 Jul 2025 21:35:28 GMT

The general rule is (as you know): "If it sounds too good to be true, it probably is."

I've never bought into any of these types of coverage plans. If I want an extended warranty, I'd go with the one offered by the make of my car. (In my case, Subaru.)

Re: Has Anyone Used a Car Repair Insurance Company?

Venezia — Thu, 03 Jul 2025 21:39:47 GMT

@beach-mom - Here's a recent review on Consumer Affairs about CarShield. A quick google search will bring you up more information.

"We had a policy with Car Shield for 2-3 years. We paid $158.00. When we had a problem with our cooling system (a covered system), we submitted a claim. The process was extremely frustrating for us as well as our mechanic. Through that frustration, we found out they had just paid a 10,000,000 settlement for false advertising. Unfortunately they did not pay customers! Too late for us. After 8 days, they totally denied every penny of the claim. There is an article by the Federal Trade Commission dated July 2024 stating Car Shield does not pay as advertised. Run, don’t walk away from this company!"

Re: Has Anyone Used a Car Repair Insurance Company?

Biftu — Thu, 03 Jul 2025 22:03:37 GMT

I shake my head when I see these Endurance commercials. "Who's going to pay for your next repair you or Endurance." Obviously you are since you pay monthly. They make it sound like it's free. Just another scam.

Re: Has Anyone Used a Car Repair Insurance Company?

Desertdi — Thu, 03 Jul 2025 22:47:36 GMT

NOT me. I don't have any of those "home appliance" plans, either. I take my chances...and hope for the best.

Re: Has Anyone Used a Car Repair Insurance Company?

pigletsmom2 — Thu, 03 Jul 2025 22:52:58 GMT

You should ask a mechanic you trust. We have a mechanic here who does an hour radio show every week and he said once that some are better than others. He didn't say which on was good, probably because he didn't want to do advertising for them. They should be able to tell you who pays and is easy for them to work with.

Re: Has Anyone Used a Car Repair Insurance Company?

AuntG — Thu, 03 Jul 2025 23:17:11 GMT

Probably a bad idea.$158 a month seems like a waste of money. You'd be better putting money in an emergency fund of your own.

Re: Has Anyone Used a Car Repair Insurance Company?

SilleeMee — Thu, 03 Jul 2025 23:28:14 GMT

My thoughts about that kind of 'insurance' is rather than spending my money on premiums for such coverage, I would put the money into my savings account and have it there for emergencies. Extended warranty type spending isn't recoverable and if you need repairs then your resources can be limited to where the warranty will cover. It's like a HMO in comparison to health insurance in that regard.

Re: Has Anyone Used a Car Repair Insurance Company?

Venezia — Thu, 03 Jul 2025 23:35:15 GMT

It's interesting that, when I lived in England, I only ever had Volkswagens. They did an extended warranty on their cars that you could purchase. It was a reasonable amount for an extra 5 years of coverage.

And the clincher was that, if you hadn't made a claim after 5 years, you got all of your money back. They were that confident in their vehicles. I took out the policy once and, indeed, got my entire premium back after 5 years.

Most of the time I didn't buy any kind of extended warranty, because I knew the cars were reliable but, if the manufacturer offered that here, I'd buy it. Just for peace of mind, with a no-lose guarantee.

Re: Has Anyone Used a Car Repair Insurance Company?

conlt — Fri, 04 Jul 2025 00:54:12 GMT

Funny, I follow a mechanic on facebook and they were just talking about this the other day. They said the car repair insurance companies are generally not good and to definitely not buy 1 that is advertised on TV. Hint, hint.

The only 1 that they said was somewhat decent is Car Max. I would stay away from these plans. They said no plan is going to pay all of your bill and you just pay the $50 deductible. They said that does not happen.

On Facebook look up Royalty Auto Service to find the piece on car repair warranty plans. I really like the Royalty people and trust them

Re: Has Anyone Used a Car Repair Insurance Company?

kaydee50 — Fri, 04 Jul 2025 11:44:00 GMT

We would never buy one of those plans. They never mention the "fine print" i.e, how much are the monthly premiums? Agree with previous poster, put that money in a savings account and hope you'll never need it.

Re: Has Anyone Used a Car Repair Insurance Company?

deeva — Fri, 04 Jul 2025 12:34:13 GMT

Please do tons of research. These companies are notorious for denying expensive repairs.

I think there are several lawsuits against them and the celebrities in the commercials for misleading information.

Re: Has Anyone Used a Car Repair Insurance Company?

teganslaw — Fri, 04 Jul 2025 13:24:54 GMT

The Car Shield commercial that says they paid over 1 billion in car repairs isn't true? I wouldn't purchase one of those plans because I'm skeptical of the coverage. They make it sound too easy and the fine print at the bottom is difficult to read. The company expects that consumers won't look too closely at details and using celebrities to endorse this will make people more willing to buy.

Re: Has Anyone Used a Car Repair Insurance Company?

Skyegirl21 — Fri, 04 Jul 2025 13:29:24 GMT

Waste of money- Don't do it!

Re: Has Anyone Used a Car Repair Insurance Company?

Rockycoast — Fri, 04 Jul 2025 14:09:49 GMT

Don't do it. Reading some of the reviews, they make it very hard to pay for car repairs. Mechanics do not recommend these type of contracts.