Protective Asset Protection Reviews

Don’t waste your money. Had the diamond plus package on our Infinite Q80. Had our catalytic converter fail in the middle of South Dakota and had to have it towed into a Nissan dealership in Rapid City.. Cost us $800 just for the towing. This company refused to cover even the towing or the repair on the converter.. On top of that the Nissan dealership refused to fix an Infiniti vehicle. Request requested that we tow it to Denver, Colorado.. On the same trip windshield tore off our window molding of the windshield. RPM refused to cover this.. Please don’t waste your time or money on this #Warranty. It’s a complete rip off.

When I purchased my 2023 Jeep I also purchased an EXTENDED warranty, you know the one that covers any problems AFTER the factory warranty expires. Before the factory warranty expired, either from time or mileage I cancelled my AUL extended warranty. I expected to receive almost all of what I paid because AUL was never exposed for any claims since the Jeep was still under the factory warranty. Imagine my surprise when the Jeep dealership told me that I was going to receive only around 50% of what I paid for the extended warranty that was never exposed to any responsibility since the Jeep was/is still covered by the factory warranty.

I bought a used 2018 Chevy Silverado with decently low miles, under 100k. Within a month, the transmission needed to be replaced. Took it to a dealership near me that works with AUL-Protective, and they said that it is one of the better extended warranty programs. I would hate to see the bad ones. The Pros-I only have to pay $100 for the new transmission, and one hour of programming time.

I wish there was a way to put down negative stars. This company definitely lives up to it's name with the negative reviews all over the internet. I have never had such bad experience with a warranty company. If you try to cancel with them, they will hold you hostage. They expect you to honor and abide by the contract you sign but they don't believe the same applies to them. They will fight you and make up additional restrictions and parameters on the content of their contract just to avoid either helping with a claim or canceling the contract. I cannot believe that a reputable company like Toyota would sign up their customers with this ridiculous company. I seriously believe this company is a scam or some fraudulent scheme that people are not fully aware of yet. Avoid them at all costs.

I bought a 2016 Ram from Cals Cars of Cour d Alene ID and paid almost 4K for a 48 month used car warranty. Twice now had to pay close to $1000 for electrical modules diagnosis and replace-ment. AUL refused to pay a dime even though my upgraded plan with "enhanced electrical group" specifically stated "electronic control modules" would be covered!!! My mechanic tried stating our case but 3 supervisors up the ladder were denied.

Don't trust this company. They wouldn't pay for a seized fuel injector on my Yukon. They always claim "pre-existing" or "carbon build-up." The staff was rude and combative with not only me, but with my service technician, as well. Buyer beware. They should be shut down and investigated immediately. Despicable. And shame on them for scamming people. I'm writing a letter to my Senator, Congressman and Governor in my state of Michigan and lodge a complaint. Anyone else out there who has been blatantly ripped off by AUL should do the same.

Yep, a scam, they cover something like the transmission, but not a common part in it, therefore they won't cover it, no matter how many times they change their name, still a scam. I call a week before, to make sure I was covered, and they pulled their go to.

I’m a shop owner and they take a looong time to pay out. If you have a credit card processing machine they won’t pay the procurement fee and you can’t process the amount for lower than the bill and eat the procurement fee myself. They wouldn’t allow that. I had to wait a week for them to issue the check and then another 4 days to receive it. They send me a check and it’s double the amount that they owe so I call them to notify them that they are paying me too much and they said I’ll have to wait until next Friday to get another cut and then another 4 days for me to receive it. I’m no longer going to take their warranties because of this reason. It’s too difficult for me to get the money owed to me from them.

I am a service writer for a dealership and I have to say this may be one of the worst warranties I have ever dealt with. I am writing this on behalf of one of my customers whos transmission is leaking trans fluid that is burnt and has metal in it. An inspector came out and clearly saw the burnt and glittery trans fluid and they had the nerve to deny it that there was not enough fluid in the transmission... WELL OF COURSE BECAUSE IT'S LEAKING!. Thousands of dollars for a warranty and all you get excuses and lies for them to not pay for repairs.

I see why they only have a 1.4 star rating. Took my 2012 ford f150 to be looked at because of a rubbing sound and it turned out to be the ime actuators and they wouldn't cover it. $1600 fix out of pocket.

If I could I’d put negative stars. Long story short, this company will do everything in their power to get out of covering their contract. Me and others are in the process of taking legal action against them.

These people are crooks!! We purchased the AUL warranty with our 2019 Jeep Cherokee. Our jeep started running very rough so we took it to the dealership. After they did a leak test on one of the cylinders, they told us we needed a new engine. It took 4 days for the inspector to look at our car, and then the dealership told us AUL would pay for a junkyard engine or if we wanted a rebuilt one, our out of pocket costs would be over $3,000. This was a shock as we were shown a brochure that implies that AUL would pay for an engine up to $8,500. Since we are retired, we had to accept the junkyard engine.

We purchased this warranty, assuming it covers the engine, well we had engine problems, they sent a bogus inspector who falsely put in what he inspected causing the owner to contact the warranty company asking for another person to be sent. The company requested for the engine to be taken apart and expected me to cover the cost, I put in a dispute. It wasn't my request I wasn't going to be responsible. The owner then asked for someone else to be sent, that's when the request came in to break down the engine. Long story short what was supposed to be the $100 deductible turned out to be a $5600 job. They had all these guidelines I followed and still got ** up in the end.

We hadn't invested in car warranties on a used car. However, we did purchase a warranty for a used car back in 2015. It was the best decision we made for sure. AUL did everything they should have done and always made sure we were taken care of. I will buy their warranty anytime I purchase a used car if it is available. Totally worth the upfront cost.

First time trying to use at the dealership that sold me the policy. I was told that I needed an a/c compressor to the tune of $1550. They contacted this company for coverage and were told they would only cover $350 of the repair since they were using aftermarket parts which the Subaru dealer could not use. So now I am left with no a/c in a heatwave and have to try to find a mechanic that will accept this warranty and fix this problem.

AUL is a complete scam!!! I purchased a warranty for $2966.00. I thought it would help if something happens to my 2017 Jeep Grand Cherokee. My check engine light came on and my suv started driving rough. No worries I thought. I took it to Sport Durst CDJ in Durham, they called AUL and told them what they thought was wrong. AUL said it should be covered under the warranty. My Cherokee had a bad "oil galley bolt". Well guess what? If you have any issues dealing with a bolt, screw, clamp or clasp. AUL WILL NOT PAY... Everything on any car has something to do with a bolt, screw, clamp or clasp... A oil galley bolt is an interior bolt...

ABSOLUTELY TRASH COMPANY!!!! DO NOT SPEND A CENT WITH THESE **!!! My transmission synchros went out on my car and Hemborg Ford took everything apart to show their inspector. They denied my claim, saying “You have no muffler or catalytic converter on your car and a short shift linkage. These void the warranty.”

I was told by the dealer that you wouldn't cover the repairs of my car but yet I was told when purchasing this contract that it would now, I'm out plus the cost of the repairs of $2500.00 for this so-called warranty and out of the repair money also. Bad business.

This contract isn't worth the paper it is written on. I paid over 3000 dollars when I purchased the vehicle. I have a 2022 Dodge Power Wagon that I purchased the top plan. My center window stopped defrosting. Dodge said it was out of warranty at 12000 miles. I figured I bought the best plan. Nope, it's an exclusion. Read the exclusion section. Almost everything is in there that you would need to be repaired. Stay with the factory warranty!!! Everyone of these off brand policies are crap! No Help! Run Away!!!!

Typical scumbags. Deceptive, abusive, and untrustworthy. They'll charge you thousands of dollars for a contract and find every excuse possible to not cover your claim. If this weren't my first car, I would have known better and not trusted them. Now, I've lost thousands of dollars to them because they delayed the repair to send an inspector, I had to get a rental car (which they also do not cover, by the way), all of this just for them to refuse to pay anything at all despite how the parts that broke were supposed to have been covered. Don't ever trust them.

I've had this extended warranty for 4 years. Claims were paid without an issue until this one. My issue with the last claim was that the repair shop misdiagnosed a problem with my vehicle. I took the car back four times for the same issues to the repair shop and each time they indicated that they can find the problem. Meanwhile they have already been paid. So I contacted AUL and they said it's nothing that they can do about it because they paid what the repair shop requested even after I called AUL several times stating that my vehicle is in the same condition before the so called repair. When I asked about the inspection the rep said they were paid and they won't do anything to help after over $8000 was paid out and my vehicle is still in the same condition. As I was speaking to him about the inspection that was supposed to be done he was Very rude and said I'm on my own and disconnected the call hanging up in my ear.

We bought a car from Nissan of Athens and the extended warranty they recommended was AUL. Now that we NEED the warranty that we have been paying on since we bought the car, AUL is Denying that claim over a light that we have proven we had checked. We are facing a transmission repair that IS COVERED by the warranty but they are continuing to refuse to authorize. We have provided every single service sheet on that car and still they refuse to authorize. Now we have a car payment on a car we can't drive because we were lead to believe that having this amazing warranty (dealership said) would be there for us. I guess we have to get a lawyer.

What a terrible misleading company, From customer service to the claim policy itself. You might as well take the money you spent and throw it out the window. Have every single excuse to deny your claim. Even for the roadside assistance is awful. Just do not even try to purchase this awful warranty save your money.

HORRIBLE company, DO NOT GO with this company. They will have EVERY excuse why they are not paying even after primary coverage pays!!! Takes forever just so they deny. Customer service representatives are also very rude as if you are an inconvenience to follow up on the claim status.

I've never bought an extended warranty until my last vehicle. Every part in the engine except the intake manifold is covered. How is this possible? Well you have made a non-customer for life and I will tell everyone I know.

Bought a 100,000 powertrain warranty from AUL. I have had an absolute horrible experience. Needless to say AUL would not cover my engine because the part that caused it to go bad is one of the many exceptions in fine print. Needless to say I dropped it, I would recommend everyone steer clear of this company.

I am solely disappointed in this warranty. The shop called and stated that all of the parts they listed was not covered, why is this warranty even paid because it does nothing. The warranty company does not try to work with the customer, so if something happens to the engine or drivetrain they better be ready.

I purchased a bumper to bumper 200000 mile warranty in 2019. In July of this year my engine cracked and had to be replaced. AUL Corp. only covered $3200 of the $16000.00 bill. The warranty I have covers everything bumper to bumper. I contacted AUL and I was told the only way to dispute the under payment I would have to hire a mediator. The mediator cost is approximately 2500.00. Stay away from AUL. They do not honor their contract and it is impossible to discuss it with anyone at their company.

Do NOT go with AUL. Though I had the extended warranty with AUL, I still had to pay the labor difference between what the Dealership charges and what AUL would cover. That was a $400 difference which I discussed with the AUL. AUL says the job would only take 9.7 hours X $150/hr. However, Nissan said it would take 12.3 to complete. The difference in time is where the $400 discrepancy comes in. AUL may not cover all the labor if you have an issue. Just be aware of that.

Honestly, just want to say thank you for the service, I have read and understand my warranty. That's why when I make a claim I'm never surprised when I get the help I need. I've not been let down yet by AUL. I do appreciate the service.

Why would a person spend thousands of dollars on an extended warranty to have peace of mind only to find out AUL won’t cover a 100 flexplate. Yepper they don’t cover that part that is known to be a problem in the town and country vans. I figured they don’t cover that particular part because of the $1500+ labor they don’t want to pay for. AUL is a joke!!! People buy extended warranties so they don’t have to worry about repairs. Thanks for nothing.

It is disheartening that so many auto dealers provide this horrible company to provide extended warranties. If your car has a problem, nobody will answer the phone. I've spent multiple one hour sessions on hold trying to reach someone. Finally after reaching someone, I was informed the warranty did not cover broken head gaskets. The text in the service contract to exclude this is very unspecific as to hide when it when purchasing a warranty.

AUL will not pick up the phone to pre-authorize claims and will reject payment if repairs are made prior to pre-authorization. It's fine print in section 3 of a lengthy contract full of "outs" to screw over their clients. Of course the premium is collected in full up front as well. Run from this company... they are manipulators of contract language to do anything they can to not advocate their clients!!!

I bought my 2013 Dodge Ram back in November 2022 and got the extended warranty. I just took my truck in for the 150,000 mile maintenance and it turns out it needs $9k in Drive train repairs. AUL will not cover the repairs "because of rust and corrosion". Are you kidding me. Why even have the warranty on a used vehicle. Do they not know it is "used". It is not a brand new vehicle and I live in Washington state. I can not stop rust and corrosion. I am beyond upset.

I purchased a used 2018 Jeep Compass from Fox Automotive Group in December 2022. At the time of purchase I was offered an option to purchase an extended warranty, The Reserve Warranty and told it was a bumper to bumper 20,000 mile warranty through AUL. Given that the vehicle had higher miles I purchased the warranty for just under $3000. After 6 months and taking the vehicle to 2 different dealerships for scheduled oil maintenances, my vehicle suffered a transmission failure/issue. I took the vehicle to the dealership to be diagnosed and repaired. The cause of failure was the PTU, which is a sealed compartment. At first inspection it was stated that there was a leak and that was reported on the claim, which AUL immediately denied stating “lack of maintenance” on my part. Upon further investigation the dealership then stated that it was not leaking fluid but the part failed and therefore the part lost fluid.

SCAM! SCAM! SCAM! I would leave a negative stars if I could! Absolute worst warranty company! They expect you to go without a car for months and won’t pay for anything even with all the proof they ask for. Also no one in the call center is trained properly. All have different answers and give out wrong information. Can’t ever get a manager on the phone unless they're short staffed then by chance you might have one answer when you call in and then they're just beyond rude and snarky! Pay $3600 for a warranty to do nothing. Just a waste of money. Don’t even bother!

I have a contract that was sold to me by Greg May Honda. The repair shop called AUL Corp and they said that I did not have a contract. I emailed them the contract and they wanted my bill of sale for the car. I bought the service contract for $3,195.00 and they will not honor the contract. I either need them to repair my car or refund me the $3195.00.

After my car breaking down due to a oil filter housing breaking my claim was denied due to lack of lubrication. They blamed the repair shop for saying it was a long term leak and lack of lubrication when the repair shop never said that. AUL told me that I can appeal this and have the shop perform further diagnosis and then they would send an appraiser out to review. Which we all know it will still be denied. So then I will be stuck paying all of the fees. I told the manager from AUL that this is how it works, you need to protect your assets and I'm trying to protect mine. People buy these warranties so it's there when we need it and they end up screwing us over. The manager was very nice and just doing her job I get that. She probably made her quota for having more denied cases putting more money on their bottom line. No more warranties for me, I would rather pay out of pocket.

My claim was denied due to signs of my van overheating. AUL repeatedly blamed me for continuing to drive the car with leaky water pump to which there was no visible evidence how long this had been going on. Subsequent damages because of it are NOT covered. Repeatedly threw Section 8 in my face, "WHAT IS NOT COVERED, subsection F(b). which states, "Any MECHANICAL BREAKDOWN or FAILURE caused by (b) overheating, regardless of the cause of overheating or resulting from contamination or inadequate amounts of coolant, lubricants, or fluids." Mind you, I only drove it to two shops to get the engine light looked at.

If you are looking for an extended warranty company, don’t come to AUL. They won’t fix anything, and blame their customers for problems they didn’t cause. Our van broke down in the middle of the road a few weeks ago, needs a new transmission and they claim we “knew” about a leak and drove on it anyway. No check engine light came on, just a bunch of fluid and smoke coming out of the hood. They claim we drove on it, & it overheated, which is an exclusion in the contract. Anything to worm their way out of paying. Shop elsewhere if something major such as the transmission goes out and you need repairs. They won’t pay a dime. Customer is always right, right? Wrong with this company.