American Dream Auto Protect

I did get something in the mail going over the coverage, and there are some things that aren't covered that I didn't realize weren't covered when I talked to them. Part of that is to be expected because it was several pages of information. So, the biggest frustration for me with them is it's gonna be difficult for me to remember all my information. There's no account to log into as far as I know. It's all paper. So if I lose those papers, I would have to try to find their phone number again. There's no log-in information and there's no website that you can log into as far as I know.

My other problem is that it's still unclear, if I end up needing maintenance, there are several mechanics in town who don't do warranty work at all. They said I could send it to any AMA-certified mechanic, but that's not quite true because some of them won't deal with insurance or warranty companies. So, that was a bit of a bummer.

I contacted American Dream Auto, I spoke with Mr. John**, we discussed their program, the pros and cons, after our conversation, I decided to sign up. This is a con, American Dream wants the customer to pay the entire amount or in four separate installments. Many folks dont have $8,500 immediately available and then if you opt for the four installments, each payment is over $2,200 with taxes each month until paid in full. Pro is that the coverage is for 5 years. Now here is the unknown, John said a lot about their company's program, but the test is when you have to use the repair process. The million dollar question does it meet or expectations described to you by the sales representative, in my case John. I rated my experience as a four because I haven't experienced the company's overall performance.

Once I have experienced the process of my vehicle needing to be repaired under the contract. I will return and provide an update on the pros & cons on the repair process and if the sales pitch met or exceeded what I was actually told. Overall, John was pleasant, he explained the advantages of his company over their competitors. Yes, a heavy sales pitch and everything is handled within his company, nothing is handled by a third party. For examples, if a company provides extended auto coverage policies, does that company who sells the policy part of the company managing the repair claim, or just the third party selling the policy. According to John, from sales to repairs is managed within the company. I'm always skeptical of companies and individuals, who sale programs, policies, etc. Being honest isn't a trait shared by many in our society. The facts are in the end results, the success repair of my vehicle. More to come. Thanks.

I called American Dream Auto Protect because they had to process the payment as two charges. In the end, they didn't duplicate the charge. The only thing was, the guy I got wasn't very easy to talk to on the follow-up call. When he sold me the policy, he couldn't have been lovelier and more helpful. He was very thorough and he answered all the real pertinent questions without me even asking them. He really gave me the pros of going with that and it was covering everything you get concerned about, so the big ticket items. Also, it was nice that I had his direct line.

But when I called back, I couldn't get the guy to talk to me on the phone. It was like, “You got my money and now you're running.” I was a little put out. I made the mistake because they split the charge into two payments because they can't charge over $5,000. I was a little miffed that somebody would treat somebody like that after they just spent over $6,000 on an insurance policy on the car. I asked, “Is it five years or a 10-year policy?” It was like pulling teeth to find out anything. That guy needs to work on his follow-up.

When we finally got in touch with them, they didn't want to cover the claim. So, I had to explain that taking a vehicle in to have it diagnosed is like going to the doctor. The dealership is always gonna give everything they think might be wrong with it even though you as a consumer know that's not wrong with your vehicle. Once I explained that to them, they were okay with it and covered everything. After we got over that hurdle, the associate at Mercedes was impressed with American Dream. I definitely recommend them but you have to be your own advocate and sometimes guide employees through understanding the diagnostic test and let them know what happened.

I emailed him, he texted me back. And let him know, “I see you went into my account and took out this money. I was waiting for you to get back to me on whether your boss was gonna approve it or not.” We hadn’t agreed on it, but it's there now. I wanted the electrical, the dash, all of that stuff. I got everything. I know anything can go wrong. And if the one thing that you don't get covered, that is what is gonna go bad.