Protect My Car

If a transmission would go, you're talking several thousands. So, you only have to come up with $59 or $2,000. And the beautiful part about it is that they shop for the transmission for you. You get the best price on the market for the transmission. They don’t let the dealership do that. Some dealers want to do that and wanna charge you extra fee for them to ship the transmission. I had that situation recently. The rep from Protect My Car made sure I got the best deal possible. He negotiated with me and then he advised me to take the vehicle from that dealership even though it ended up costing me $130 something to take it to somewhere else because once they serviced it, I had to absorb the evaluation cost. They wouldn’t cover for that. But they're good at recommending you to other people that’s gonna really work with you.

They referred me to Meineke in Kingston. They were very good and they told me I didn’t need a transmission. One of the gears was bad, but it sounded like it was coming from the transmission because it was revving really high. The transmission slips and kicks a little bit, but it's not major. I probably need an overhaul or one of those devices inside the transmission needs to be repaired. But last time, the other dealer wanna go full speed saying I need a brand-new transmission. Of course, that’s more money in the pocket for the mechanic and for the company.

With Protect My Car, I feel better having the extra coverage in case anything happens again. They also worked with me after I spoke with them regarding putting off a payment to another date. At this point, I am considering putting the coverage as well on my other car. It also has a lot of miles but it's a really good car. Once you put a car with them, you have to wait 30 days before you could file something because they don’t want people having a problem pre-hand, some fraudulent stuff. Another beautiful part about Protect My Car is that you could take the car to any mechanic, but you wanna make sure before you do that that you let your mechanic know who you're dealing with and you let Protect My Car know who you're dealing with, so this way, they could be onboard with documentations and so forth.

Their rep was very knowledgeable. She gave me a lot of understanding as to what we were purchasing and also let me know about a bevy of different things. She have me all the details to ensure I know about the different offers that Protect My Car had that I could take advantage of. That in itself helped me out to where I could move forward, know what package I wanted to get, and what I would then be expecting to have at a later date. One of the things that I had from her was about adding on different cars. That was big for me because I do all the business. I can, not only add one but add another car like a truck on to it. That was important to me.

I am satisfied with the package I got but I thought it could be a little bit cheaper. It was probably more or less expensive than a lot of packages that are out there, so I’m not mad at it at all. I think that because the industry is kind of saturated now when you’re trying to get to one’s dollars and cents, that it could be a little bit smaller. But it’s quality over quantity. It’s not overbearing for most people to handle, whether you are a business owner or you’re just a reckless citizen who may not have a lot of money. It fits right in that price point to where they can also have that insurance to make sure that they are covered in case something goes wrong.

It was a great and positive experience with Protect My Car. It was informative. They followed up. They did everything that they were supposed to do like being informative. They let you know what their offers are and not just hiding certain things from you. It was an experience that allowed me to not worry about any issues going on with my car or truck. I was also able to have something that was affordable so if something goes wrong, I’m ensured that at least 50% of that would be covered and I wouldn’t have to entail all of the cost. That's very important to me.

When they did the deal with the service dealer, with the new motor, it was about a $500 difference that I could have saved that they got extra. In numbers, the deal would have been $2,800 for them to do the heads and fix everything that needed to be done. I would have paid 1,400 and they paid 1,400, but because they came up with the idea of putting a new motor in, they only paid 900 for the motor, instead of 1,400. The $500 should’ve come back to me and when I asked them about it, they gave me a wishy-washy answer but never really the answer that I wanted. I didn’t wanna get my dealer in trouble with them, but in turn, they should have given me the $500 back or a credit.

I’m happy with getting a new motor and everything came out good. My mechanic did a good job, but I should’ve gotten my $500 back and I was a little disappointed in that. I know what scam they pulled on me and I won’t recommend them. I’ll keep them as long as I got the car until I hit my max mileage, but if I ever do that on another vehicle, it won’t be with them only because they cheated me out of 500 bucks. Overall, they did everything that they were gonna do in a timely manner, but it took them a long time to get that motor in. They had to come back with a different vehicle, so it was delayed by about five days.

Protect My Car has a main marketing group and they outsource the claims to a warranty company, Mepco, that handles the claim specifically. All calls regarding questions and process go through them and I made sure I understood it fully before I proceeded with the full maintenance that I had quoted on my vehicle, so I knew exactly what was going to be covered and why some things were not covered. They walked me through the process for filing a claim. I provided the invoice and I had it done in the Ford dealership. Ford knew the process themselves and forwarded the invoice on the work that was qualified for warranty rebates at least 50% of the costs for applicable and qualified repairs, material, and labor. I was able to be educated on it and understood the process at the time.

I have a monthly amount that I pay for and I am throwing an arbitrary number of $3,000 as the cost of the program. With each qualified parts and repair, they give 50% of it. I would have to pay for Mepco qualified portion of the invoice and have proof that it was paid for, then they would compensate me. They would then send me a check. Once I prove that I paid for my portion, they would pay theirs.

At one point, I was going to cancel the contract, but Protect My Car came back and renegotiated a lower monthly amount. Nothing changed and they were able to keep me on as a customer. I have an auto draft, so I get a monthly invoice for a draft that occurs and I know when it occurs. I set up exactly when the withdrawal occurs specifically. That works in consent with my paycheck so that it’s withdrawn at an appropriate time during the month. Everything works all good and I don’t have any issues.

The process of filing a claim with ProtectMyCar starts when I take my car to the shop. Then the shop figures out what's wrong with my car and I give them the warranty card. Next, they call the warranty company to see if my car is covered and how much would be paid. Later on, they would give me a call and tell me the amount that needs to be paid. After I do that, I pay my debit card now. However, it used to be that I pay my debit card and as soon as I'm paid, they call the shop back and get started.

On my first claim with ProtectMyCar there was a miscommunication on the price. I went to the shop and the shop quoted me one price. Then the warranty company spoke with them, and they made adjustments on what the warranty would pay versus what the shop wanted. I was confused. It saved the warranty company money versus me, and I thought we were on the same side. But I let that go because they're still helping me pay.

I've had work done in my car in June, July, and October. Recently, I needed to get service done on it again and the reps helped me very well. They started a new process where I have to sign paperwork before the shop can get the job started. A little thing came to where they email me a contract of how much I had to pay, and I would have to sign and date it. Then I would have to send it back before the shop could get done. I was kind of upset about the new process, especially because I work and it took me a minute to get that done. I also needed the work on the car to get done as soon as possible.

The cost of ProtectMyCar’s policy is very reasonable. Actually, the vehicle is my dad’s, and I got the warranty for him because he's on a fixed income and so he doesn’t have as much money. I have a second vehicle, which is a truck, and I also have the warranty on it just in case. We've modified the truck and a lot of warranties would not accept the modifications of the vehicle. But ProtectMyCar does. They don’t worry about that, so I like them. I tell people that they need to get this warranty because it helps out, especially if it’s for older cars. I also tell people the stories that I've been through. My dad had $1,500 worth of work done, and I only had to come out $700 out of pocket, which is wonderful. Everything to me was really good. I recommend ProtectMyCar.

The warranty is only $90 a month which is a little bit over my budget right now. But it’s gonna cover any distance I got for any tow service I need and a large portion of any fees that I gotta pay for repairs. In the long run, it’s gonna pay for itself. But, the timeline when it comes to the payment plan is a little bit sketchy for me. I get paid every two weeks and usually, Protect My Car wants the payment by the 30th. I don’t get paid on that week so I gotta always do it the week before or a week and a half after.

I had an oil change in July. I told the guy at the oil place about Protect My Car and he said, "Well, I can't do anything 'cause I have no idea what's going on with that and I don't know if that will be covered by us". He was taking precautions by not taking any information because it could have been a fraudulent situation on his behalf. He didn’t want to take that chance and get screwed over, which I could understand. I contacted Protect My Car and let them know about it. They said that they will review my claim and find out what was going on. I gave them the phone number of the guy and the location of the place. 30 days after the review, I got my money back. I would recommend Protect My Car.

I've been a customer for quite some time and I'm enjoying. But I wanna better understand the contract because I need a tune-up now. I would probably bring my car to the shop soon and I wanna know if that would be covered under my warranty or not. I know the basics of my warranty. I know that the transmission, motor, and AC are covered. But I just don’t know about instances where struts and brakes are needed. I don't know if those would even be included. When I had an AC issue, I ended up paying out of pocket for that. It wasn’t the actual AC itself but a valve. I filed a claim a claim for that but Protect My Car notified me that it was just maintenance or a routine. Other than that, my experience has been going great.