American Dream Auto Protect Reviews

The customer service experience was decent overall, but a lingering issue has been the non-receipt of my ID card and contract. I was informed multiple times that the ID card had been sent or was delayed due to issues with their card service, yet it never arrived. Attempts to clarify this with American Dream led me to discover that I should be able to use my account and policy number from the contract for any repair needs; however, I had to rely on my own printed version as I never received an official one in the mail. Not receiving the official documents directly is a point of frustration for me.

In terms of coverage, they certainly offered what others did, yet my friend's recommendation was partly based on how CarShield reportedly performed poorly in terms of additional cost details, such as motor and sunroof alignment repairs, which were billed separately. This made choosing American Dream appealing for potential needs with my 49,000-mile Range Rover, a vehicle known for its own quirks.

The signup process was relatively fine. Although I needed to adjust a few things during the application phase to fit my understanding, it went well enough to prompt me to eventually feel four stars were an accurate reflection of that part of their service. The delay in receiving what was promised drops it to that degree.

In conclusion, not receiving necessary documentation like the ID card or a company-provided contract adds a considerable inconvenience, which detracts from an otherwise competent service experience.

The rep was like, “No. It's Monday to Friday. Probably, it'll try to be Monday at the latest, so it would be all of Friday and then all of Monday.” Late Monday, I got an email that said an inspector would be going to the mechanic’s shop within 24 to 48 hours to inspect the car. I was like, “What?” That was more days. I've been out of my car for now way over a week, and then I was told that I wouldn't be able to be confident about rental reimbursement. When I was sold on the policy, it was that I would have rental car coverage, but it wasn't explained that I would have to pay for the rental car and then get reimbursed afterwards. If I don't have any money and I need my car or a rental car, that's an issue too.

It was Thursday and I was like, “Oh, my gosh. So I haven't received an approval yet, and this has been since Friday that I sent the work estimate in.” It's the first time that I've had a claim, so I can sort of understand why someone needs to inspect it first because they got to be sure they're not being cheated. However, if that's the kind of policy that's in place, which is okay, then that policy needs to be triggered immediately at the beginning of the claim, so the 24 to 48 hours includes the inspection and not the end of the 24 to 48 hours when you're supposed to have an approval or you're promised an approval that that would be the answer one way or another. Then you have to wait another 24 to 48 hours for an inspector to come out, and that adds even more time whether you get an actual response.

Also, my welcome email when I got the policy said, “Oh, congratulations. Welcome. I will take care of you. We're available to you 24/7.” I called to check on my claim at 8 p.m. a couple nights ago, and the guy that answered the phone had a facetious attitude, and when I called the phone number, it gave me the option to talk to the customer service. When I push option 3, that would bring me to customer service. So I pressed option 3, and when I got to him, he answered very friendly. “So, will I be helping you with new service today?” I said, “Well, no. I'm trying to get ahold of customer service.” He was like, “Oh, well, then you'll need to call during regular business hours.” It was as if in a friendly but facetious manner. It was really insulting. I told him, “Well, I'm trying to get an update on my claim, and my welcome email for this policy said that y'all are available 24/7.”

He said, “Well, not for anything like that, Only if you want to get new service. Then we're available for you 24/7.” It was in a fake cheerful way like I was talking to a cheerleader that thinks you're beneath them. So I was like, “Well, my welcome email said 24/7, so let me understand this. The only thing that's 24/7 availability is that if I were to buy a new car warranty policy.” He said, “Yeah, I guess so. Yes, that's true.” I said, “Okay. Well, that's not what my welcome email says, so that's disappointing.” He was like, “Okay. Well, you'll have to call them during regular business hours when they are open.”

I'm more available in the evenings, so it's not 24/7 and when it's best for me. Other than that, I really like Sabrina and the person that helped me break down the second half of the policy payment. I paid for half of it, and then the total of my second half of the policy payment will be paid in six payments. That guy, Calvin, was very friendly. Sabrina's incredible. I love her. She's so friendly and patient, willing to spend a lot of time on details and call me back when I can't call or can't talk, and I was sold to without feeling sold to, which is great.

The vehicle was very well-kept. However, the maintenance and repair for this model of vehicle is tremendous. So it would make more sense to have an extended coverage. I take good care of my vehicles but if something were to go wrong, then I would feel good knowing that the majority of the vehicle is covered. The only things I have to worry about are oil changes, tires, brakes and motors. Everything else mechanical and electrical will be covered. So, I feel confident about that, being able to drive the car. I don't drive crazy, but you never know what's going on these days. So it's good to have insurance. I've recommended American Dream to one of my friends who's thinking about buying a car. I was telling him that if anything goes wrong under the hood or anything inside the car, like electrical, they'll pay for it.

When I got ready to get my car out of the shop, they wanted me to pay with a credit card. I informed them that I would pay in cash. I paid the whole bill and it took them three weeks to send me my money. The bill was $2,200, and they only paid 1,400. I paid for six years, 70,000 miles, at once. The bank had canceled the card that I had paid it on and issued me a new card. American Dream didn't wanna send the payment to my new card. I had to wait on them to send me a check. I was without my car for three weeks. I could have rented a car but I didn't wanna pay $50 a day. I was thinking they should be calling the company American Nightmare ‘cause it took so long. I was thinking about getting another car and if I do, I don't know if I would want a service plan with American Dream or not. But I got a excellent customer service on the phone as far as dealing with the people.

The repair involved a strut. A strut is like a shock. When I went through and read the fine print on the program with American Dream, I understand that a strut is something that's similar to a tire or a battery. And it's something that will wear out. It's not a repair item. The BMW dealer thought it should have been covered. I was disappointed.

Dealing with American Dream Auto Protect's agent was good. I thought the problem with my car was something with a computer issue like a monitor. It was electrical. There are a lot of computer modules in that car. And it showed an issue with the chassis. It was a problem with the strut. But after the BMW rep told me that these guys were difficult and knowing that it was a strut and looking at the fine print and thinking, "Okay. Well, that's gonna be a gray area. So they're probably not gonna cover it.” Sure enough, they wouldn't. The BMW rep said, "You got to go back and try to get your money back." I'm not gonna do that because I wanna have the plan. I don't know if they would give me my money back. They said they would, but I don't know they would. I got the feeling that they might be a little sketchy. I wish I had done more research.

Down the road, if I have another claim, which is legitimate and they reject that, because I believe with my policy, I can switch it to a different vehicle that I own and try to get a different policy. BMW offered me a policy which was a bit more expensive. But after my experience with American Dream, I wish I took the BMW coverage. I'm not totally dissatisfied. It just wasn't successful with the first claim.

I'm quite content with the coverage plan I chose; it includes important components such as the sunroof, power train, and even brakes. Pricing seems reasonable as well, deserving a solid rating of around a four out of five. While I haven’t faced any issues to truly test the claims process, my experience so far has been positive, and I feel confident about recommending their service.