Protect My Car

When I filed a claim the second time, I didn't have any issues. I didn’t have to go through anything. The people there messed up, but they didn't stress me out. The shop called in the claim, spoke with someone and got an authorization but found something else and fixed it, too then called back. They took three weeks going back and forth but Protect My Car went on and paid for it.

I got my payment set up for auto pay before the date that I wanted it. I wanted them to take it out on the 1st, but my due date is due at the end of the month. They won't change it. I don't like that I have to keep calling instead of them being able to change it to the 1st. That wasn't explained to me when I got it. If it would have been explained to me, I would have waited till the 1st to call back because I knew that that's the day I wanted it.

But all in all, the sales representative was friendly. He gave me his personal number and canceled our CarShield for us. We were trying to get out of payments and not have anything. Money was tight when we were trying to send out our bills. But the outcome would have been either way. It's still cheaper than CarShield was as far as to get the car fixed. If we had any issues, they covered more issues than CarShield did and that would help us financially when it's time to get the car fixed. We won't have to pay as much in the thousands and stuff because we live from week-to-week kind of family. We're old people and week-to-week with a ADHD grandchild that will be 12 in December.

We get so many free oil changes through Protect My Car and I'm about to see if that works because I just got an oil change when we started them. And they offer so many free oil changes through different places and it happens to be one of the places we go to. So, I'm gonna see if that part works here soon. But so far, it has been a good experience. The one that gave this great sales pitch, I have his direct line and who to contact if there were any problems or issues.

So, I end up having to pay it a little later, but not because I don't know I have a payment. It's just I don't get a statement. And I am one that has to look at all my statements. I sit down and pay them all off at the same time when I get paid. So, I did request it. They saw it somewhere in there that I was grandfathered in, that I can receive paper statements, and they were going to activate it. I am yet to receive them. So, I’m not happy about that. It would be nice to have a little more detail of what little things that I might be missing that I could be taking it in for that is covered. Most people who are really good with it would understand it more. But I don’t know what portion is or isn’t. I always have to ask.

Other than that, I enjoyed the free oil changes. That part was different from my other warranty. So when I told somebody else about it, they couldn't believe it. Even places where I've taken the vehicle to, and I tell them, “Can you authorize with the insurance because I can get a free oil change?” They're puzzled. “Just give them a call.” I usually take the cars to one or two places only, the actual dealership or an automotive place. They have my information now. It's easy now because I just let them know I'm utilizing my warranty.

The other thing is I'm a veteran and they gave me a veteran rate. They have never been nasty to me. When I brought it, I had gone my mileage level, and about two months later my little check engine light would pop on and off. I took it right up and called them. I told them I was having trouble with the power window. My mechanic called immediately to find out what was and wasn't covered. To do that power window would have been about 700 bucks between the labor and the parts. I had to pay my 200 and they covered $430 on my window. That's savings right there. I've already gotten one year's worth of my payment.

On my Protect My Car, they also provide me my oil changes. I do full synthetic and they pay for the full change. I called the mechanic the other day to say I was taking it in because of the master sensor. When he did the work on the sensor, I told him we were not going to put Protect My Car through all those little parts that I know they don't cover from having another sensor changed about a year ago. I asked them if they cover CVT and they said yes. I like the fact that Protect My Car has secondary mechanics. If they feel that the mechanic is not going to fix, they're going to recommend where you take it to get the best fix. They have master mechanics that will come to any shop where your car is, if they want to re-check what they're doing to make sure you're not getting hosed by the mechanic. You have a second pair of eyes looking at your vehicle and you know they're going to go for the best repair to maintain the cost.

My mechanics love Protect My Car. They say they're the easiest of everyone to work with. I pay $68 every month to have my premium and pay the $200 deductible. Protect My Car does the parts and labor as long as it's not a wearable part. They encourage you to maintain your car and they do that by offering the oil change. I feel very fortunate that my mechanics feel comfortable calling them. They don't feel that they're going to be put on hold for 50 years. Protect My Car works with the mechanic to see what they can cover and how much. They try to cover as much as possible within reason. Their car information and their folder are very clear and concise. It's very open. They're transparent with the consumer.

I'm a very satisfied customer. Protect My Car is oriented to the customer and to the driver. I told a friend she needed to get Protect My Car and she called them immediately and got them. Another incentive that they offer is for every person you bring them, they offer you a gift card of $100 and they're really good on that. I have gotten five or six people in there. The only thing that I don't like about them is you can't do work on a Sunday.

When I go to a mechanic, before they do a diagnostic on it, and then they let me know whatever it's gonna cost, then I give them the information for the company, and they call them. Of course, they ask the mechanic's information for the truck. After everything’s said and done and they okay it, they give me a call to let me know what my portion is, and they're gonna cover their portion, and I cover mine.

The one thing that I experienced was that there was a part on the truck that was not routine maintenance and the person said that it was not covered. I read over my policy and I called back. I explained that whoever’s told the mechanic that it wasn't covered was wrong. The guy had to research what I was talking about. He apologized on behalf of the other person and that's what got fixed.

The only thing was that when I was trying to get the door handles fixed on my Nissan, they didn't accept it ‘cause it wasn't covered. It was considered as cosmetic. They didn't call me about it. I’ll appreciate it if when I take my car to a mechanic and it’s something not covered, they should at least give me a courtesy call about it. But whatever they covered, they covered. I recommended it to my mother and she uses it too.

When AAMCO transmission for the same issues with the code readings in addition to slippage with the gears they completely went out of their way to ignore the problems but found more excuses on why they won't honor the warranty. I have the Ambassador Elite contract. $113.00 a month. I want my money back. If protect my car is not going to honor the warranty then refund the past 3 months. Just for the record I have cancelled this contract for lack of service. My cancel confirmation number is ** dated 4/21/22.

This began a weeks long back and forth on the part of PMC to find a way out of paying the claim, requesting our Bill of Sale, maintenance records (None other than and invoice from a local tire distributor who replaced 2 tires and performed an alignment) which we did not have as we had only recently purchased the vehicle. Our selling dealer claimed the only maintenance THEY had performed was an oil and filter change and a State Safety Inspection and Emission Inspection which the vehicle passed and had no other records available and the previous out of state owner would not provide. The vehicle was NOT due for any Factory Recommended Maintenance due by mileage at this time. The records requested were provided as asked.

PMC then began their quest to find a means of denying coverage for the next 2 weeks. They noticed on our Bill Of Sale that at the time of purchase, we purchased a Powertrain Only warranty the dealer was offering so we would have SOME protection while we explored other coverage options. We opted to start coverage with PMC, as the coverages offered were more inclusive than simply Powertrain. We then contacted our selling dealer about cancelling the Powertrain policy we had purchased, but were told we would be unable to do so, as the purchase of that policy was part of our vehicle loan yet picked up PMC's warranty as a supplement that offered more complete component coverage.

They used that coverage as their basis to deny our claim even though NO CLAIM had been initiated with the other company, citing a paragraph on Page 14 of their contract book that DOES NOT apply as an "Exclusion". The paragraph references "Prior repairs" covered by a "Third Party", which DID NOT apply, as there had been NO "Prior Repair" to anything on the vehicle in the time we've owned it, and NO claim initiated with ANY "Third Party" for the transmission repair. ALSO. NOWHERE in their contract does it prohibit a vehicle owner from HAVING an additional contract(s) with another company other than PMC. The PMC representatives obviously do NOT understand the terms of their own contract. They then indicated that I was bound to file my claim with the other warranty company ( Most likely so they could use THAT as a basis to deny my claim.

We DID, at that point, initiate a claim with the other company, who quickly sent an inspector, reported to them at which point, they approved our claim, the dealer ordered the transmission and we had the vehicle back a week later. THIS after being jerked around by PMC for nearly a month while to "protect" you or your vehicle in any way trying to figure out a way to avoid paying a claim they had NO basis to deny. SO... a warning to "Consumers"... PMC is NOT who you want to spend your money with expecting to "Protect" you OR your car as they are a typical insurance company who will work diligently to find a way to deny coverage when its THEIR turn to pay. You need to expect this from a company that is VERY hard to contact by phone (Expect 1/2 hour+ "Hold" times) and doesn't Affairs...