Protect My Car

My husband used to be a mechanic so we've done our own oil changes. But for the transmission, we would have to have it checked at the place to see if it needed fluid. For my motor, you have to have a special dipstick where you have to put it up on a rack to check it. Every time that my husband would change the oil, he would take it down to that little place that has that special dipstick. The guy would just come outside and check it. If the transmission fluid was fine, we went on. But they didn't have the paperwork for me to send Protect My Car because they didn't charge because they didn't have to put any fluid in it. It showed that we were there but it didn't show what we were there for so it got me aggravated.

They said I didn't have anything to show I changed my oil. I told them it's a transmission and all I got was receipts from Walmart. At first, I thought they weren't going to do anything. Luckily, they found in a computer where I was buying it. They took it through a transmission place and they had the transmission and the transmission fluid checked. That's what saved me. But I told them that they need to explain that to people. Now I know that if I take it anywhere, even if there was not a paper trail, I would write out something, no charge and that I was here. He also said we can continue to change the oil but we need to make sure that we keep the receipt of him showing them the month when we actually got the stuff and changed it.

I started dealing mostly with a rep who was supposed to get the claims adjuster and the paper and get all that rolling. But I felt like he kept putting it off and prolonging. He would tell me he filed the claim and he's waiting on it. And then he was telling the transmission place that had my vehicle something totally different. When I actually got ahold of Protect My Car, they told me that the form had not been filed yet. I was aggravated with him 'cause he was lying to both of us. He hadn't really done what he'd done and it took forever. But once they actually got a claims adjuster, it was good.

When I got ahold of somebody else and started dealing with them, they got somebody down there. We just had to wait on the transmission and they said it'd be five to seven business days, which it came in four days. The guy had it done for me the day after he got it. It was just miscommunication on my part. He thought that by explaining to me I needed to make sure I upkeep my vehicle, that I knew I needed to show proof. I even called back and asked them more questions 'cause I didn't take it right away. He was great as far as all that and explaining what I didn't understand.

Their reps were friendly and down-to-earth. They spoke friendly enough to work with you in giving what you were looking. One time I had a dispute between the auto people that was working on my car. I called to report the auto people, but I didn't know exactly how that part worked. The rep told me that he felt my pain. But I didn't even wanna deal with the people anymore because if I have to go to that place to get one thing on my car fixed more than twice, then I feel like they're just not a reputable place for me.

I went in to the place to ask them to fix my air condition. I told them that I had brought a brand new pump for my air condition, it's like two years old. When I put it on there, I found out that my condenser was shot. I told the guy when I went in there about my condenser. He said, he put the pump on there, and it wasn't running. I'm certified in residential and I know that when you run a check for any type of electrical problem, you start at the beginning which will do the head of the dash and you work your way back if you have a split system to find out what's wrong with it.

The guy put the pump on there, he told me that it was working and he had a problem with the clutch on the compressor. But he was saying it was fixed, and then I looked at the bottom and I have no condensation dropping from my pan. So, he never went into the dash to check the condenser, now they wanted to charge me. Now again, they wanted to work on the condenser one more time. I said no. So, when he went in there and he put the condenser on there for me, and he told me that it was the weekend and that they don't get paid till such and such a day, and that they can take the car home for the weekend. In my mind, I said, "Well, that's what I paid $1300 for the first trip down there." It was $999 for him to put on a compressor, a fuse for my fan, and something else, and charged it up. I said, "But you didn't fix it. So the charge should have been free in the first place."

That was the second time. Protect My Car was asking me why I wasn't paying. I told them I've already complained about that place and I'm not paying them. Overall, it's a great plan to be in. Anyone that's got an older car needs that for the simple reason that the bills could rise up into the thousands. If you're on any type of fixed income, you need that. It's a great deal. It's fantastic. For me, it's a money thing. It's right on point, exactly what I needed. It's doing what it's supposed to do. All I have to do is get the mechanic to figure out what's wrong with the car. There's no dispute of that. The money from Protect My Car is right on time whenever it's needed. At least that's what the mechanic that was ripping me off was saying.

Protect My Car had more perks at the time and it was really affordable. It was $69 after all of my amenities. At the time, I was financing and the interest rate was high. I had an extended warranty and it was excessively expensive. And after paying $200 for another policy that didn't have anything of the same, I decided to get Protect My Car after my initial warranty went out. My car was an older vehicle and I decided to do this to protect me 'cause I love my car.

While I was going through the deal, I told him it was good. But then, when I got the initial package, some of the parts that I know that I was entitled to don't come in the Protect My Car. The only thing that came in there was the policy and the car itself. So now, I needed to find out how to go about finding out for the other stuff that I was entitled to.

The quality of the policy is really good and I don't have to wait as long as AAA. When I am on the phone with Protect My Car, I had to wait at the most five minutes for someone to come on. When I was working, my car broke down on the 30 and the warranty was pulling on a 50. It was a Saturday and I told the rep about it. They told me they would fetch me first thing on Monday.

I was completely in disarray because of where my car stopped. I was scared and I had my kids with me. When I called Protect My Car, they were very passionate and told me it was okay. All of that anxiety when I fell went right down to my big toe when I kicked it right off me so I was feeling good. The guy was able to find a contracting company to come out and grab my vehicle. They happened to be on the same block and right next door to the garage that housed the cars that they were working on. The fact that they took that time out showed me that not only this person liked his job, but he was in this job for all the right reasons to make sure to service the client. I felt loved and I felt like I called my cousin Pete and told him what I needed. The guy made it happen all by 5 o'clock.

I had a $1,000 worth of works done to my car and I only paid $293 in total. That's with the difference of the tow, which is auto-deductible and for the parts that weren't covered. It was great because it fell around the same time as my car payment. I had the chance to be able to do both and still be able to have lunch. Then, I asked the place where I got my vehicle done if they thought Protect My Car was pleasant. He spoke of all the experience as the mechanic working on the vehicle and getting the payment. Even that transition was seamless. I hear terrible conversations about the payment aspect with a third-party but it was a good experience that when my car went out, the service guy went and got me a new car key. Also, instead of me having to pay $300 on a car key, I only spent $125.

I filed a claim for my AC that had went out. I was taking my car for an oil change because it was time for it.. But while I was on my way there, I noticed that my air had stopped blowing cold. I actually noticed it the day before, so I was like, "I'm taking it anyway to get my oil change. I'll just inquire about it." So I thought it just needed some Freon because it just happened out of the blue. When I took it in to the repair shop, they called me back and said no, it wasn't low on Freon but the compressor had went out. So that's when I told them, "Well, I have a warranty on it," and I gave them the Protect My Car information and that was it. I never spoke to anybody. The repair shop did it.

Things weren't really explained to me properly until they actually started fixing the stuff on my car. I did not know that Protect My Car doesn't cover any kind of fluids or any kind of replacement that they had to replace in order to fix whatever was wrong with the part. The repair shop put a compressor on. I had to pay for all the antifreeze that they put back in there and they had to do something and I had to replace the oil. I had to buy bolts or screws or anything that they used to put my compressor on. So, that never was explained to me. I did not expect to have to pay for that because they still came up to be kind of pricey.

The claim process took a while. They had to send an inspector out. And then, after they sent the inspector out, it took them like three more days to even approve the repair. So my car was just sitting there because the repair shop wasn't gonna touch it until they got the okay from the warranty that it was gonna be covered. And because I know that if it was too expensive, I wasn't gonna be able to pay. So I told them not to do anything. That took a process, so I was without a car for whole seven days because I had to wait on Protect My Car to send somebody out. And then when a man came out, I felt they could have done better. When they come out, they should already have a laptop or something with them so when at once they approve the claim, then they should be able to process it right then.

It shouldn't be that they come out, Protect My Car approves it, and they can get a guy right there to work on it. They told them they had to wait until they got a confirmation number or something before they proceed. So it took them three days to send them that before they can even start working. I think that's ridiculous. There should be a quicker process.

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.

It took almost all day for them to get approved because the first lady the mechanic had spoken to said I was not covered yet. I said that I was and that I spoke to the guy and he said I would be covered. But then, we got disconnected on an accident. When I called back, I got a gentleman and two seconds later, I was in the motion of getting my oil changed. I went through a little bit of a hassle but it worked out because I didn't stop calling and I didn't stop telling them that I know that I was approved for this oil change because they told me I was. Certain things are not covered for it. So, I needed air filter, I need to get my brakes done and I also need some tires, but apparently, those are maintenance problems that I have to just come out of pocket and do.

I now understand that they're closed on Sundays and so, I'll never make an appointment on a Saturday to go in somewhere on a Sunday. They need to put that into their package statement. If you make a claim on a Friday, you have to make sure that you have it compromised that following week because they're not open. I didn't know that and I didn't register that. I figured that they were closed but at least somebody would be answering the phone verifying your account but no, they're not.

Protect My Car has been great thus far. I had a claim before and at the first place I went to, I didn’t know they didn’t accept the warranty. So, that was a little bit of a challenge but the second company that I went to accepted it. So, we gave them the information and it went smoothly. I didn’t have to pay anything. They gave Protect My Car a call right over the phone. I recommend Protect My Car to anyone that has a car that’s out of the warranty.