Protect My Car
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Protect My Car Coverage Reviews

 4.2/5 (619 ratings)
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Protect My Car

About Protect My Car

Protect My Car is a premier vehicle service provider that states its goal is to “change the game” with advisors who place the customer first and help minimize uncertainty from unexpected costly repairs. The company states that it aims to provide a hassle-free claims process and ongoing customer service.

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Page 1 Reviews 0 - 28
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 13, 2022

My truck is old so the mileage is way past my manufacturer's warranty. I went with CarShield, but what they offered was lubricated parts on the vehicle and they charged me the same price for the best coverage they had that would cover everything on somebody else's vehicle. I used it for a little bit but I figured it was just a waste of money and for some coverage. I was looking online and then I saw Protect My Car and I decided to try it out. For my truck, which is over 10 years old and has over 246,000 miles on it, they still cover everything that has gone wrong with it, so I've been very happy with them since then.

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.

Protect My Car response

Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us, and as you pointed out, most older, high-mileage cars simply do not qualify for any coverage with most companies. Obviously, those are the vehicles that are most likely to suffer a mechanical breakdown and that is why we developed our Ambassador plans. We will continue to work hard to make sure we meet and exceed your expectations and we apologize for the unsatisfactory claims experience. Also, we appreciate your suggestion for a courtesy call regarding non-covered items. That is great feedback and will be forwarded to Protect My Car management for further review and consideration. If you have any other questions or concerns, please don't hesitate to contact Customer Loyalty. Thank you for being a valued Protect My Car customer.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 14, 2021

    I had never used any of Protect My Car's services and if it wasn't for needing protection on my car, I would never deal with them. Every time something goes wrong with my car, they don't cover that part. I'm putting out $3,500 a year or as long as it takes, and I still never get serviced. If I'm paying someone my money and they're not doing their job, then why should I pay them? They're supposed to take care what they're telling me they're gonna take care of when I bought the service. The service I’m supposed to have is the elite. That means the top of the line and that’s what I’m supposed to get. The way they write things down and the way they word things in their manual, “You’re saying that it’s this, but it’s part of this, but not all of that,” then they reject it and say, “Oh, no. We can’t cover that then. Because this didn’t do and that.”

    I've had problems with coverage and it's not just with Protect My Car. I've had it with other companies too. One time, something broke and I had it fixed. When you're under stress with your car, you have to take your car to get something taken care of and it's a major part, you're not thinking that you have this extra coverage. I spent $800 to have that done then, I realized it. I called the company. They said, “We can't cover it now because of the fact you’re supposed to call us before they did it.” That pissed me off. That was early, so I try to remember. Certain things they say, “Well, that’s wear and tear,” and I can understand that part. However, when they're telling me they're not gonna cover what they told me they covered because I didn't contact them before the shop worked on it, that’s not nice at all.

    The other day, I had to get my inspection done. Not thinking, I left my car at the shop and went home. The guy called me and said, “Your ball joint on your tire need to be replaced.” I’m not gonna pass inspection by that part being bad, so I said, “Well, go ahead and do it." I needed my car inspection to be done then after I was done paying the guy and got home, a day later, I realized maybe I could’ve used the warranty to pay for getting that part done. I don’t know if that is considered one of the wear-and-tear parts, so I never called them back.

    The only one thing I have been doing on a regular basis is getting my oil changed. With the first couple ones, they said, "Rotate the tires,” and it was done. They paid the people that did the work and I didn’t see any issues with them. If I did, I’m the type of person who will tell people about it. They get my oil changed, but in essence, it’s not free because I’m paying for it every month that I put out $70-some.

    Protect My Car response

    Thank you for taking the time to share your experiences with Protect My Car. We make every effort to assist customers with repairs to their vehicles, and there are seldom any issues with approving claims. Unfortunately, after a thorough review of your account was completed, we could not locate any repair claims that a repair facility submitted. If you had repairs completed that you feel are approvable, please contact Customer Loyalty to get the correct information to submit a reimbursement request and provide any additional feedback. Thank you for being such a valued Protect My Car customer.

    8 people found this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2022

    The coverage was alright in the beginning. When I had some problems with my car the first time, I didn't use the warranty 'cause I wasn't aware of what I would do to use it. The second and third time, I used them, it wasn't covered. When I had an issue with the exhaust thing, that was all right. I took the car in and the guy ran the stuff with a computer, came back, and told me that Protect My Car would pay half of the cost.

    Protect My Car response

    We understand your frustrations and apologize if you feel any customer or claims experience with Protect My Car was less than stellar. Additionally, we apologize for any misunderstanding regarding what is covered under your policy. If you have any questions or concerns about your coverage, please don’t hesitate to contact Customer Loyalty. We will work hard to make sure we meet and exceed your expectations and appreciate any and all feedback and suggestions from our valued customers.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 20, 2022

    I love Protect My Car. They've been really good to me and they're so nice. The coverage saves me money. It's the assurance of knowing that if I break down and it's something that's covered, they're gonna take care of it. For the first two years of having the warranty, they fixed things that they weren't responsible for. Also, I get oil changes, pay, and then they refund me later. It's a check that comes in the mail and it's great. I tell all my friends to get Protect My Car. I got warranties pushed on me through the dealership and I said, "No, I have Protect My Car, I don't need one."

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: March 18, 2022

    Protect My Car didn't tell me what coverage I was getting and was not able to help me in a number of cases. My windshield had a leak but they told me it wasn't covered. The tailgate got a motor in it but it wasn't covered too. When I had my oil change done, I didn't have any issues with it but with what I'm paying Protect My Car, I could have gotten my own oil changed and my tailgate would have gotten covered. When Protect My Car sets up people a policy, they also should let them know what's not covered and what is covered by it.

    Protect My Car response

    Thank you for sharing your experience with Protect My Car. We understand it is frustrating when everything is not covered as expected and apologize for that inconvenience. A specialist reached out to you but was only able to leave a voicemail message. Also, there is a list of covered components on pages 11 and 12 of your policy booklet. Pages 13 through 15 review the exclusions of your policy, including what is explicitly not covered under your plan. We are glad you are with us and will work hard to meet and exceed your expectations. Please call Customer Loyalty anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Customer increased Rating by 2 stars!
    Verified Reviewer
    Resolution response: March 15, 2022

    ***UPDATE: Today - Tuesday, March 15, at about 2:00 p.m., I FINALLY received word that they are in fact going to cover the needed repairs 100%. So I give them credit for honoring the warranty I paid for. In fact, this repair alone costs more than what I will have paid for the warranty. So upping the review to three stars.

    All that said, I stand by most of what I wrote in my initial review. There is no excuse in my opinion for this process to have taken nine days (seven business days), just to get to the point where the shop is now ready to order the needed parts for the repair. Between the time Protect My Car spent dragging their feet, the time it will take for the parts to arrive, and the time it will actually take for the repair (which is substantial), I will have been without my car for well over two full weeks. I don't care HOW much money I'm saving, being without a car for that length of time is unacceptable. The purpose of a warranty is to ensure that this exact situation doesn't happen. I feel that Protect My Car needs to take a serious look at their policies/procedures/whatever, and find a way to get this done quicker - no matter how much the repair may cost, it is unacceptable (and ridiculous) that it takes nine days just to get a warranty claim approved.

    Original review: March 14, 2022

    Updated on 05/11/2022: Following up on my previous review of this company. I had a repair claim through Protect My Car. It was well over three weeks from the time I took the car in until the time I got it back (see my previous review for those comments). This review is regarding their rental reimbursement. First, people need to be aware of the drastic limitations of their rental car coverage:

    1. It only begins after PMC has APPROVED the repair. In my case, that process alone took nine full days, during which time I either had to get a rental, or be without a car. There is NO coverage during this period.
    2. It only covers $30 per day. In my case, the lowest cost I could find was approximately $450/wk - approximately $65/day. So my cost was more than twice what they offer as reimbursement.

    3. It only covers for 7 days. In my case, from the time they approved the claim, the car was STILL down for almost two full weeks. So I had another full week of paying out of my own pocket for a rental car.

    So ok. Fine. I'm due a check for $210 (after having paid well over $900 for rental cars). And now, here we go again with Protect My Car's slow customer service: I submitted my documentation on May 31. On APRIL 27 (almost a full month), I finally receive an e-mail indicating "We have processed your reimbursement requests, and a check for $210.00 will be mailed to the address on file." It is now May 11. I just called them - the representative indicated that they STILL have not mailed the check, nor can they give me a time frame when they will do so.

    I wouldn't even say people shouldn't use PMC. The coverage, if you have a catastrophic failure (like my car did) can save you thousands. But people need to be aware of the significant limitations of their rental reimbursement coverage, as well as the fact that they are painfully slow in everything they do. My prior review covered their slowness in getting my car repaired; this review is to inform people that even a simple reimbursement check for rental car coverage which I am CLEARLY entitled to takes well over a month for processing.

    Original Review: I purchased a Protect My Car policy in November of 2019, on my 2016 Nissan Rogue with (at the time) approximately 93,000 miles on it. Warranty coverage was to be for 100,000 miles (up to 193,000). I've paid $93 per month. On March 7 at 7:00 a.m., I took my car to a mechanic recommended by the warranty company, hearing a grinding noise. At about 11 a.m., I learned that the transmission was bad; they recommended a full replacement. I feel that since that time, Protect My Car has taken every opportunity to drag their feet and delay this process as much as possible. Frankly, I think their ultimate goal is to drag it out until I'm sick of waiting and I just pick up my car and say forget it. Here's what has happened so far:

    Monday, March 7 - 11:00 a.m.: Mechanic notified me of the problem. He indicated that they had to wait for an inspection by Protect My Car before they would determine coverage. Tuesday, March 8 - 9:00 a.m.: I called PMC, who informed me that it would take 24-48 hours from when the claim was initially filed for an inspector to arrive. They also indicated I would be receiving an e-mail as to further instructions. Later that day: I called back to inform them I had never received the e-mail, and asked what I needed to do. They informed me to send my maintenance/repair records to an e-mail address. I did so immediately.

    Wednesday, March 9 - 9:00 am: I had not received any contact indicating that my e-mail had been received, and had heard nothing else, so I called to check the status. They informed me that my e-mail had been received, but the inspector still had not been at the shop. Wednesday, March 9 - 12:58 pm: Mechanic notified me that the inspector had finally arrived. I called PMC, who indicated that it should take 24 hours for the inspection report to be filed with their company.

    Friday, March 11 - approximately noon: After having called several times, they FINALLY indicated that the inspection report had been received. I was informed by the agent that they would immediately notify the adjuster, and that they would be 'getting right on it'. Saturday, March 12 - 1:23 pm: I was informed that the adjuster had reviewed the claim and that now the manager had to review the claim. No decision yet. Monday, March 14 - 2:27 pm: I am sitting here writing this review. STILL no decision.

    My car has now been sitting in the shop for a full week. Still no decision from the warranty company. It doesn't seem like it should take this long. Really, seems pretty simple to me: I bought a warranty that covers the transmission. I've done transmission service every 30k as recommended by the Nissan dealer. Through no fault of my own, The transmission has gone south.

    Why does it take a full week, with no end in sight, to decide whether this is going to be covered? Makes me think they're just dragging it out, hoping I'll get impatient and say 'forget it'. And other factor: on one of the phone calls, I asked if I could go ahead and authorize repairs to be made, pay for them myself, and then have the warranty company reimburse me. But that wasn't an option either - even though their inspectors have already looked at it, and they have all the information to make a determination of what they're willing to pay, I still have to wait for them to actually make their decision before I do anything. So I'm stuck in limbo, without a car. I either have to have someone drive me to work daily (and be stuck at home the rest of the time), or pay through the nose for a rental. All because they are just taking their sweet old time to make a decision.

    Oh, and by the way: they claim their policies cover rental reimbursement. But what they don't tell you when you're signing up is that the rental reimbursement coverage only starts AFTER THEY HAVE APPROVED THE CLAIM. And it's only $30 per day. You try renting a car for $30 - see what happens... VERY frustrated with this whole process. Had I known it would be this difficult, I would not have purchased this warranty.

    Protect My Car response

    Thank you for sharing your experience with Protect My Car. Your feedback is greatly appreciated, and we apologize for any inconvenience regarding your recent claim. We are glad to have provided you with a positive resolution and will work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments and for choosing Protect My Car.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 14, 2022

    Protect My Car is all right. They're the cheapest. You better get extended coverage if you ain't got it. There's money that you save in your pocket.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 8, 2022

    My experience with the rep during signup was good. I was looking for regular car insurance, and I'm good with Protect My Car's coverage. At the moment, it's very valuable. I drive a Volkswagen, and if anything happens, I need to know that I'm not having to pay that big cost.

    Protect My Car response

    Thank you for your comments and the 5-Stars. Providing our policyholders with good peace of mind is one of our most important goals. We stand ready to assist when the need arises. We will never change our willingness to go the extra mile to help you when you need it. If you have any questions, please do not hesitate to let us know. Thank you for being a valued Protect My Car customer.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 1, 2022

    I had only had the coverage for a couple of months when my car acted up. I took the car to the dealership I always take it to and was told I had a cracked pin on my engine. They doubted if the insurance was gonna cover it because my coverage was so new. But I had my $100 deductible and it was a fuel pump and something else that they did not cover. I ended up paying $500 out of pocket for a $5,000 engine. The repair was amazing and I was in total shock. Then, I had another thing happen with the axle and it was like $1,200. They paid it out and I paid out 100 and something dollars. PMC has been amazing. I shout to the rooftop and I've been telling people they need to get this warranty.

    Protect My Car response

    Thank you for your glorious comments and the 5-Stars. We are very pleased to have helped you with your past repairs and your budget. That's what a good policy is supposed to do. We look forward to assisting you again in the future when you need help. Thank you for choosing Protect My Car. We are glad you are with us and will continue to work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 1, 2022

    Before I signed up, I had an issue with my car. But because it was already a preexisting condition, Protect My Car gave me quotes and things of how they would be able to help, so that way I could tell my friends. I went to a dealership and they were trying to charge five times what Protect My Car was offering, so that was what sold me. I ended up paying a percentage. I didn't even have to pay my deductible.

    I've actually heard about this company after I had gone through my car insurance. I'd pay my deductible, just 500, but then, they'd also pay for parts and labor to a certain percentage. I wish I'd known them before everything happened because I would have saved over $2,000 alone. They have covered oil changes, brake changes, brake pad changes, alignments, inspections, things that cost so much. They also offer a lot of coverage on parts, as far as regular maintenance to auxiliary parts, AC, and they take the extra step to cover the rest of it in a lot more ways than you would imagine.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to meet and exceed your expectations. Also, to prevent any misunderstandings, our policies are intended to help customers with mechanical breakdowns, which are almost always unexpected and very costly. Vehicle breakdown policies do not cover the cost of maintenance and wear and tear items to help keep the policy cost down and assist more with unexpected breakdowns. Our maintenance packet includes oil changes and tire rotations at no cost to you, but other maintenance items are the customer's responsibility. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 28, 2022

    I use Protect My Car on my oil changes. But I'm gonna have to get the transmission looked at and I need to know what’s the best place to go to. I wish they have a wider network, an accessible list of who and where will accept the vehicle and the coverage.

    Protect My Car response

    Thank you for the 4-stars and for choosing Protect My Car. We understand the frustrations of not knowing exactly where to take your vehicle for repairs, but with more than 250,000 shops available to our customers across the United States, we cannot provide a list of every shop that accepts Protect My Car coverage. However, if you need any assistance locating an acceptable shop for yourself, please don't hesitate to contact Customer Loyalty, and an agent will be more than happy to help. We are glad you are with us and will continue to work hard to meet and exceed your expectations. And again, please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 25, 2022

    The service has been pretty good for the most part. They are very handy when a claim meets the qualifications for coverage. It covers the basic coverages, such as oil and a little maintenance, and it's one of the best, especially in the area of Florida. But for more body work and repairs or more advanced things, people should try to look for something else. But other than that, the reps in the mechanical shop said Protect My Car has very nice and friendly people, which I agree with.

    Protect My Car response

    Thank you for the 4-Star Review and for choosing Protect My Car. We are delighted that our agents have provided you with outstanding customer experiences. Having a knowledgeable and professional agent who truly cares about your situation and gives you the help you need provides customers with good peace of mind, which is one of our most important goals. If you have any other questions or additional feedback, please don't hesitate to contact Customer Loyalty.

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 24, 2022

    I started coverage with this company in December 2020. I covered two vehicles a 2012 Honda Fit and a 2017 Ford Explorer. I sold the Honda in Dec. 2021. In Nov. 2021 I took the car to get a oil change that was covered. But that was the first time I used them (Protect My Car) for anything. Not before I had paid over $700.00 in the program. I only got an oil change. On February 23, 2022 I called the company to find out where do I go to take advantage of a free oil change for my Ford Explorer, they told me Jiffy Lube in Columbia SC. I asked the lady on the phone if Jiffy Lube would come back and tell me that I needed something extra would you cover it. She told me that they only would cover the oil change and tire rotation; anything out side of that is on you. I said that do not seem to be fair because I have been paying into this company since Dec. 2020. She said, "Well get the Jiffy Lube to call." I said okay.

    Jiffy Lube called and I needed some windshield wipers and an air filter. They refused to cover the two items outside of the oil change and tire rotation. Needless to say I came home, called them and drop out of the coverage. I only used them for the oil change at that point I had paid Portect My Car over $1100.00 ($77.61 month). The moral of the story is just make a savings account that you would deposit that fee monthly and you would save a lot of money.

    Protect My Car response

    Thank you for sharing your experience with Protect My Car. We understand it is frustrating when everything is not covered as expected and apologize for that inconvenience. However, our policies are intended to help customers with mechanical breakdowns, which are almost always unexpected and very costly. Regrettably, windshield wipers and air filters are not considered mechanical breakdown issues, but rather maintenance items, and are not covered under any of our plans. Vehicle breakdown policies do not cover the cost of maintenance and wear and tear items to help keep the policy cost down and assist more with unexpected breakdowns. Adding these services to a policy would make the policy's monthly cost too expensive for most people, especially those on a budget. We regret that we were unable to keep your valued business, but please don't hesitate to contact Loyalty if you have any questions or concerns.

    3 people found this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 21, 2022

    When my car broke down, I called for tow truck but they didn't show up. They had said they would come pick it up. The next morning, when I went there, my car was still in the same place. I had to pick it up myself. When my car had a fuel pump problem, I also called Protect My Car. They paid for some of it, but I had to pay for the rest though they said it’s full coverage. I called but nobody was picking up.

    Protect My Car response

    Thank you for taking the time to share your experiences with Protect My Car. Our apologies for the inconvenience with Roadside Assistance. We also know that paying 25% of your repair bill seems quite a lot, but having even that much assistance is worth having coverage. Most older, high-mileage cars simply do not qualify for any coverage with most companies. Obviously, those are the vehicles that are most likely to suffer a mechanical breakdown. Our coverage plans were created with just those vehicles in mind. The coverage provides a wide variety of benefits in addition to breakdown coverage, all for a very affordable monthly premium. We are happy to have helped you with repairs on your previous vehicle and hope you consider Protect My Car for coverage on your new one. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 20, 2022

    I've had to use Protect My Car a couple of times, and I never had any real issue. I had to have some mechanical work done on my vehicle, and they took care of it. Everything was good. Shop around and look for the cost. Make sure the plan is gonna cover a lot of stuff. Because some coverages didn't cover as much as I thought that they were going to cover.

    Protect My Car response

    Thank you for the 4-Star Review and for choosing Protect My Car. We understand it is frustrating when everything is not covered as expected and apologize for that inconvenience. We are glad you are with us, and we will work hard to make sure we meet and exceed your expectations. We know you are going to save a ton of money with this coverage, and if you have any questions about coverage, please don't hesitate to reach out to Customer Loyalty. Thank you for being a Protect My Car valued customer.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 15, 2022

    If you never get into an accident but things are messed up with your vehicle, that's an out-of-pocket cost and with PMC, I like the fact that they will handle repairs outside of an accident. What sold me was the 25% parts and labor costs. The rep I talked to gave me a generalized summary of the company and what they offer, what they entail, the person that benefits different packages, and coverages that were available. He was really cool and extremely knowledgeable. I told him about my vehicle and exactly the type of coverage I was looking for and that's when he sent me over the Platinum package. I'm satisfied so far.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. Thank you for your comments and the 5-Stars. We are happy to have been there for you with the repairs on your vehicle and will continue to work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Feb. 12, 2022

    I purchased a used vehicle and I just wanted some additional coverage. I already had a vehicle covered through Protect My Car before and they worked out a really good deal with me and that was why I went with it this time. I've got the policy back in October 2019 and they said that I had to do 30 days and put 1,000 miles on the car, which I did. At the end of December, my vehicle check engine light came on. I stay in the country and I explained that to the man before I took it up to the dealership, ‘cause tow trucks and stuff like that don’t come out this way.

    When I took it up to the dealer, they did a check. While I was at the dealership, one of the claim adjusters, Justin, called me from Protect My Car and he was opening up the claim while I was there after I've dropped my vehicle off. Later on that evening, the serviceman called me from the dealership and told me that my Cadillac converters were gone, and they were saying something about my transmission. When he and Protect My Car had a conversation, they said something for one of their third-party people to come out to check to make sure it was my Cadillac converters and my transmission.

    The guy, Jason, who was the supervisor, tried to help as he said he was. I gave him a good rating because he went over and beyond. But the next day, he dropped the news saying they didn't approve my vehicle. At first, it was because they showed that I took it to the shop sometime in October to get it serviced. Well, I didn't do that. What happened was I went to where I get my oil change at and get my invoices there because it's an oil change place where I could send it to Protect My Car to get refunded for my oil changes, that was why it was showing in there.

    They also showed an estimate and they never even put the accurate miles in there. They had me down for 70,000 miles where when I purchased the vehicle back in August 2019, I had 80 some thousand miles. I got my paperwork and Bill of Sale stating that it was at 80 some thousand miles, so I knew that wasn't true, but that was one of the reasons why they said they denied it. After that, he changed the thing and said that it was something with I didn't use their tow company. But the thing that was so crazy was I was just having to walk into the car dealership and they didn't even reach out to the car dealership. I told them that he was on the phone that Protect My Car denied the claim. They said they heard nothing from Protect My Car. At the end of the day, I was supposed to have been covered and they should have been fixing my vehicle. It was just coming up with a lot of excuses.

    I went off on them on that last thing on Better Business Bureau. Then they told the Better Business Bureau all these lies about I slandered their name and went back and forth with them. Every call that they had with me, I was cussing no one out. I canceled my policy with both vehicles. It was just a lot of miscommunication, not holding their end of the bargain, and lying.

    I'm gonna take them to small claims court. That's my next step because I also had documentation that my vehicle has always been serviced. I've never been late on oil changes. Then when they sent a third-party person to come in to inspect the vehicle, the service manager from the dealership said that the person did not start the vehicle. Also, a couple of pictures they sent over didn't even look like my vehicle. When I went online to look at their reviews on the Better Business Bureau, they have been doing people the same way, taking pictures and it wasn’t the people's vehicles. Then mine was in a shop for over a month. It was just terrible service. I wouldn't recommend anybody to go to them.

    Protect My Car response

    Thank you for sharing your concerns with Protect My Car. We apologize for any inconvenience and miscommunications with our claims or loyalty departments. Our Management team gave this claim a second look and stood by its prior decision on this matter. Additionally, we responded to your BBB complaint, in detail, on 1/31/2022, and again on 2/11/2022, if you would like more information regarding your concerns. Thank you again for your feedback.

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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 10, 2022

    I got this coverage for the older car and my daughter was gonna be driving it. When she had to do roadside assistance the very first time for the battery, that experience was good. When she got the oil changed, that was good as well, although it took forever for Protect My Car to send the check. However, when she went to get something done with the air conditioning, they denied the claim saying it was a pre-existing condition. I told them that was already fixed from the previous accident. The guy was nice and all, but I told him, "How you gonna do something from that long ago with something that's just breaking down now?" Then they gave Jiffy Lube the runaround for about a good four hours. They were great for the minor stuff, but they didn't want to pay for the major stuff. Since they denied the one problem, we've been scared to use them again.

    Protect My Car response

    Thank you for sharing your experiences with Protect My Car. Providing our policyholders with good peace of mind is one of our most important goals, and we apologize that your first repair claim did not keep to that standard for you. We are thrilled that you spoke with Melodi and have looked at options for a full resolution. We are glad you are with us and will work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 8, 2022

    I wanted my suspension, my motor and trans, and the computer to be covered. The representative told me there were different packages. When I told her the type of car I had, the low mileage on it, we just went to the premium package. I just had one pre-existing condition on the car, and that was the air conditioning in there that went out. Before I got the insurance, I got the car checked at Pep Boys and they said that it was one of the problems with my car. After I got the coverage, I took it back. The mechanic put in the request for Protect My Car to pay for certain things, and when he put the air conditioning in his request, they wouldn’t fix that, but they offered me a way where I could get it fixed cheaper. They have lived up to what they said they were gonna do.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to make sure we meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 4, 2022

    It's going two years now since I purchased my warranty and I paid every month. I got an oil change when I first got the warranty. The shop called and made sure that the claim was approved. Protect My Car came back and told me everything was approved and everything worked out perfectly. If I have service done on my car, Protect My Car is gonna grant my service and get it done. I will have no issue.

    When looking for extended coverage, check the coverage that they offer you, anything with the transmission, motor, or brakes. Our electronic problems like the windows are good. You pay monthly and Protect My Car will service something. I'm telling my daughter when she gets her car to join with them because it's good coverage. You got the rental car coverage, you got to pay your deductible, and you're good to roll. You don't need to pay out $5,000 to fix your car. Those rental cars are $210 for seven days and you can rent a car for a day. You have to keep your car that long. That's your max pay and you can get reimbursed back. The whole deal ends up 400 or maybe $500. You have that for your car when something happens.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to make sure we meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 1, 2022

    My cousin Maurice told me to look into Protect My Car and that it was good. I went with them and he was right. I was very happy. The rep who helped me sign up was a beautiful guy and was excellent. I got two cars on the policy now. One is with the Malibu. I'm gonna start using protect My Car really soon. Even if you have coverage, it’s always great to have Protect My Car. I'm highly satisfied. I like the road thing. When we break down someone will come and get us. That's beautiful. Weigh your options and see what your insurance company is offering. If they're not offering the things that Protect My Car does, it's a good deal to look into.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to make sure we meet and exceed your expectations. Remember, Protect My Car is for your mechanical breakdown needs and we are not auto insurance. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 24, 2022

    I got an oil change and Protect My Car paid for it. I'm happy with their service that I received. They aren't rude. They were very helpful. There may be a potential problem with my turbo for my car and they were great with that too. They said, "We don't cover that part in particular, but we do have different outlets to which we can send you through that we can possibly still help you get the cheapest rate." I would highly recommend Protect My Car but I would probably recommend that others get a higher plan than I got so they could have more coverage.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and know it is very frustrating to have some repairs not covered, but we will continue to work hard to make sure we meet and exceed your expectations. We appreciate any and all feedback and suggestions from our valued customers. Thanks again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 22, 2022

    The coverage offered by Protect My Car is fine.

    Protect My Car response

    Thank you for the 5-stars. We are glad you are with us, and we will work hard to make sure we meet and exceed your expectations.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 21, 2022

    Their customer service is all right, although one time, I had a little trouble getting ahold of somebody to pay a bill. Also, I had to get a battery and they said they wouldn't cover that. When I got this coverage, I thought they said everything under the hood was protected. And $82 a month is kind of high. Other than that, I'm pretty well satisfied with it.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us, and we will continue to work hard to make sure we meet and exceed your expectations. We apologize for any wait times but are confident that our recently implemented changes will decrease the average hold time for better service. We also apologize for the inconvenience with your battery. We should have better explained that everything mechanical, under the hood, is covered. Other than oil changes and tire rotations offered by PMC, maintenance items are not covered under any plan currently available in the industry. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 13, 2022

    Protect My Car had a cheaper rate coverage and it was quite easy to file a claim with them. I've also availed of the free oil change. But they've denied the service every time I submitted a claim because it was something they didn't cover, which all had to do with outward parts. They should cover more outward parts than inward parts.

    Protect My Car response

    Thank you for sharing your experience with Protect My Car. We are happy that you have used the policy and apologize for any confusion regarding covered and non-covered components. And while we understand your frustrations, we do keep with industry-standard coverage requirements. Most mechanical breakdown plans do not include coverage for seals and gaskets. There is a list of covered components on pages 11 and 12 of your policy booklet, followed by the policy exclusion. If you have any questions or additional feedback, please do not hesitate to contact Customer Loyalty. Thank you for being a valued Protect My Car customer.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 13, 2022

    They explained the coverage pretty well and their level of knowledge and expertise was good enough for me to become a client. My first service went pretty fair. The only thing is they should be available seven days a week. Cars break down on Sundays as well and when you call in, it takes a long time to connect to someone to get your services taken care of.

    Protect My Car response

    Thank you for taking the time to share your experience with Protect My Car. We are delighted that our agents have provided you with outstanding customer experiences and apologize for any inconvenience due to our office being closed on Sundays. Our hours of operation reflect the national average of repair facility hours. Also, we are confident that recently implemented changes will decrease the average hold time for better service. A specialist reached out but was unable to contact you. Please We would be thrilled to hear your suggestions if you have additional feedback. Thank you for being a valued Protect My Car customer.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 9, 2022

    The person who helped me explained everything. I was reluctant because there are a lot of things online that could be fraud. He did everything he told me like send me an email with proof of my card before I got it. That made me trust him. Making payments for the coverage was easy. I did the online bank to pay for it. My rep knew what he was talking about.

    Protect My Car response

    Thank you for the 5-Star Review! We are delighted that our agents have provided you with outstanding customer experiences. Having a knowledgeable and professional agent who truly cares about your situation and gives you the help you need provides customers with good peace of mind, which is one of our most important goals. If you have any questions or concerns, please don't hesitate to contact Customer Loyalty. Thank you for being a valued Protect My Car customer.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 5, 2022

    The representative explained the coverage perfectly. 100% everything's been great. I'll use them on everything.

    Protect My Car response

    Thank you for the 5-stars. We are glad you are with us, and we will work hard to make sure we meet and exceed your expectations.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 3, 2022

    It wasn't until I got the first service that the coverage was actually explained that I can only get three oil changes within the year. The last time that I had an oil change, I had to pay somewhat more of it because I got the second package. I was charged around $400. Also, after so many miles, other stuff had to be serviced as well, and it wasn’t included under the warranty. There was something going on with the air conditioner, and it wasn’t covered with the warranty. Infiniti dealership actually paid for it themselves and I had to pay $100 deductible to them. But for my experience overall, Protect My Car has been good. As far as the warranty, it was good to enroll in because you have to have it. The payment was pretty much reasonable.

    Protect My Car response

    Thank you for the 4-Star Review and for choosing Protect My Car. We are sorry to hear you were disappointed for any reason, especially with an oil change. We also understand it is frustrating when everything is not covered as expected and apologize for that inconvenience. You do have our highest VSC plan with great benefits included, with the exception of maintenance and any component not listed under your policy. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 16, 2021

    The rep explained all aspects of the coverage pretty good. I didn't have any problems with the signup.

    Protect My Car response

    Thank you for the 4-Star Review and for choosing Protect My Car. We are glad you are with us, and we will work hard to make sure we meet and exceed your expectations. Please feel free to give our Customer Loyalty Department a call to provide additional feedback on how we could have earned that 5th star. Thank you for being a Protect My Car valued customer.

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