Smart AutoCare Reviews

Waited an hour for them to decline an item clearly outlined in my client's contract. Called back the next day got a better adjuster who approved but their supposed average for the area is set based on independent shop averages and covers 117$ an hour on a luxury vehicle. DO NOT BUY THIS EXTENDED WARRANTY. Save your money. You will never get your return on investment working with them, Do your research and don't get swindled like my client did.

Zero. I purchased this extended warranty on a used 2021 truck. At the first signs of overheating, the vehicle was taken to to the dealership that found coolant "a little" low, but no leaks. 3 other service centers and 2 coolant flushes later, the vehicle is rapidly overheating. After broken apart, it turns out to be head gasket. Said extended warranty then denies claim because the vehicle overheated! Loophole in contract of failed covered part causing not covered breakdown. STAY FAR AWAY! Called for explanation, got hung up on. No dispute process- no chance to send in service records. COMPLETE RIP OFF. THEY WILL TAKE YOUR MONEY AND BID YOU GOOD DAY (literally happened).

I purchased a warranty through my dealership from Smart Auto Care, and my experience has been an absolute nightmare. My rear differential went out, and the repair shop has been trying to work with them for over 15 days. According to the shop manager, most warranty companies get this done in a couple of days—a week at most. It took me over 10 hours just to get someone on the phone, and then an entire week just to get paperwork from one person to the next. This delay directly cost me my outside sales job because I didn’t have a vehicle to work.

Paid over $2,800 for top level warranty. Submitted claim for $4,300 in repairs. Claim denied on technicality (repair not properly pre authorized). Appeal for compromised settlement denied. Clear they will do whatever is necessary to avoid payment.

If Smart Autocare is the warranter. Run for the hills. Don’t sign for it. If you have to file a claim, they will come up with some obscure technicality to deny a claim. Read the fine print. Had a powertrain issue, and they denied it because they say a non-covered part causing a covered part to fail disqualifies a repair. You buy a warranty to protect your car from situations that exceed normal wear and tear and to protect you from expensive repairs down the line. A loud ticking noise when your engine starts is not a normal state for a truck to operate from. This company does not stand behind their warranty. Had one customer service agent actually hang up on me. See photo for the type of repair their Powertrain+ package doesn't cover. Poor customer service. They don’t honor their obligations and rely on exclusions to deny all services. DO NOT SIGN IT!

SMART AUtO CARE IS THE WORST. Do not buy this warranty. I repeat. Do NOT buy this warranty. They refused coverage on the powertrain of a car with 80,000 miles saying the transmission is not a covered part. DO NOT BUY THIS WARRANTY. Their wait times on the phone are long and they give terrible answers.

DO NOT PURCHASE A WARRANTY FROM THEM! My mother had a flat tire, and had to drive on it to reach a safe location to air up the tire and bring it to my shop. I am a service advisor and I work with these companies often. I have NEVER had to jump through so many hoops, wait so long, just to be told the tire that needs replacement is NOT COVERED. What do they expect? Pull over immediately and impede traffic? Put your own safety at risk to use the warranty that YOU PAID FOR? They denied the claim after over 3 HOURS of waiting for a response. Costing my mother upwards of $00 FOR HER COVERED TIRE. WORST EXPERIENCE WITH A WARRANTY COMPANY BY FAR!!!

My name is John **. I purchased this warranty from BMW Sarasota Fl. I was told that this was a high value warranty with a great company. I have submitted 3 claims for my Audi A8L and all three they have denied and stated that they are wear items. I would never recommend those company to anyone. They are very unprofessional and sneaker and refuse to honor the warranty. This is a approximate 7k warranty that they have covered nothing. Stay away from this company and spread the word so no one else gets ripped off.

- They did cover a few things they were supposed to after some hounding from the mechanics.

This company is trash. Please read reviews people. This company will find anything in your contract to not get you approved. They left me with a 6000 dollar bill I have to pay out of pocket. I would not recommend at all.

Called a few days in advance to preempt work, I then scheduled work at a dealership for the repair. Dealership diagnosed and submitted for claim same day, but were unable to perform work while they waited for Smartcare to respond back. (They mentioned they were put on hold for over an hour trying to submit claim.) I called Smartcare to see what was holding up the claim, and they stated that claims are handled first-come-first-serve and mine had not been assigned an adjuster. Furthermore, I verified that they only cover rentals for hours of work and not for them delaying my claim/work for three days.

My first experience with Smart Autocare (SAC) has been disastrous. I have an AWD Infiniti QX60 and my problem is with the AWD powertrain system. My initial claim was denied so I paid to have the front differential fixed; however, that did not fix the problem. The problem was a failure in the sensor and rear differential that SAC agreed to replace. The shop received a used refurbished unit from LKQ that ended up being defective. In short, SAC's employee George (supervisor) informed me that the issue is now between LKQ and the repair shop as SAC provided the replacement part and it is now a warranty issue for LKQ to resolve.

If I could give them 0 stars I would. Absolute joke of a company. Charged me $4k for a warranty but would never authorize or cover repairs. Stay away. They take your money and never expect to fix anything for you.

Bought this warranty for used 2019 F-150. Bought 100,000 mile everything covered warranty (pricey) and cam phasers go out. They won't pay for OE parts. Want to send junk cheaper parts and won't cover portion of labor charges. Thankfully I have a great Ford dealership that will work with me on labor costs but still out of pocket on OE parts. The dealership even said they don't sale this warranty anymore because of the hassles and poor service. Good for them.

I bought gap insurance through this company, which I got through a dealership. I totaled my car on November 4th 2024. After two weeks my finance office and insurance company have completed their parts and there is a simple pay out of 500 dollars to be covered by gap. I hear nothing after I call to confirm there is nothing anyone needs from me, paperwork or information wise. On February 14th I am told I have to verbally give them permission to open the claim. On February 25th I was told I had until the end of business day the SAME day to provide several forms I didn’t have access to or it would be denied. They also refuse to let me file an appeal. This is a shady crooked enterprise. Do NOT give them your business.

If zero was allowed, I would have given it a ZERO. I purchased a 2018 Jeep. Love it. Never changed a thing from the dealer. The former owner put a larger tires on it. 4.5% larger than stock. My water pump goes out. Took it to the dealer. They reminded me of the warranty. Called FAKE AUTO CARE, ahem, I mean Dumb Auto Care, wait... it was called Smart Auto Care and trusting them was the DUMBEST decision of the car buy.

If only we have -5 stars rating. This company has the habit of avoiding responsibility. My latest auto breakdown happened on Christmas Eve 12/24/2024 while away from home. On 12/26/2024 I managed to tow my car to an ASE-rated mechanic thanks to my AAA membership. My shop tried to call Endurance (which has a backdoor agreement with Smart AutoCare) and was told that nobody can give any responses until Thursday 01/02/2025. Since I need my car to get back to work on Thursday 01/02/2025, I told my shop not to wait for approval from Endurance a.k.a. Smart AutoCare and get the car fixed by 12/31/2024 before shop closing on Wednesday 01/01/2025.

I bought this extended warranty when I bought my car. Recently the transmission failed, so my mechanic contacted them. After about 2 weeks, finally they got back to him and sent an inspector to take a look at my car. The inspector came, looked at the vehicle and the transmission, and told him that he can put the transmission back. After 2 days of not hearing back, he called the company back. Then the company told him that they sent a wrong inspector, and they have to send another inspector. My mechanic told them that he already put a new transmission and the car was ready for pick-up. They told him that he had to dismantle the transmission back because the new inspector needed to look at it. First, they put a cap on how much they would (if they do) pay- $2,020. It took about $1,000 for my mechanic to undo the transmission. With no guarantee that they would reimburse me, I declined it.

Our truck has been broken and in the shop since the end of July with a known GMC issue of the fuel pump exploding. It is now the middle of November. The warranty tried to blame the dealer for basically everything taking so long and going wrong. The communication with Smart AutoCare is unreliable. I couldn’t get a hold of them, neither could the dealer. Warranty kept telling the dealer the prices were too high and they wanted to many work hours to complete the job. ON THE ADVICE OF THE WARRANTY COMPANY we moved our truck to another mechanic because they said it would be fully covered there. Nope. In fact it was MORE.

No integrity with this company. I went to submit a claim because a nut fell from a tree and cracked my windshield. They only repair windshields and mine is not repairable. They won't replace it. Isn't replacing a windshield how you would repair it? I paid $1500 for a five year warranty that only repairs tires, repairs paintless dents and apparently repairs windshields.

This company will do anything possible to keep from transferring a contract. They claimed I did not submit the proper paperwork in time to transfer the remainder of the warranty into my name and didn't bother to contact me regarding such. Instead, they held onto my paperwork and check until the 30 days had expired and then mailed it all back to me with no note or explanation of any kind. I had to call and wait on hold for them to give me their pathetic reason. This just cements my reasons for never purchasing an extended warranty on any of my other cars.

I purchased Gap insurance through Smart Auto care. I was asked to provide 18 pieces of documentation, which I provided twice, even using registered mail. After months of calls, the run around and asking me for more documentation, they first stated they were going to honor my claim. Then, they stated they would not because the vehicle was refinanced. I truly believe this is a made up excuse. Why: Because since I was their customer, that question and discussion should have been had with me prior to wasting hours of my time.

I bought a $2,500.00 Smart AutoCare Warranty via Hackettstown Honda in Hackettstown, NJ. It isn't worth the paper it's printed on. I got pre-approved for work that needed to be done, and now that the work is completed, they are telling me they have no record of the pre-approval. The dealership that obtained the pre-approval is working with me. They know they received the pre-approval, and they know the Smart AutoCare is trying to get out of paying the claim. The dealership said this is a terrible company to work with. This may explain why the first dealership I took my auto to declined to do the work. I'm a single income household and my wife just had a baby. I made sure this was pre-approved. Never again with this company!!!!

Absolutely terrible! I have a legitimate engine claim and it's been four months of inspections and teardown and inspectors verifying failure. I was told 2 weeks ago it would be approved by supervisor as it was above his limit. Then a current registration as they thought I sold it to the shop. Now the registration is under review before they will talk to us.

I have been in the auto industry over 20 years. This is by far the worst warranty co I have had to work with. Hour long wait times to place a claim. They don't send payment once completed. You must follow up many times before they pay. Only after they pay, do you find out they have a deductible. The manager listened to the call, and verified the agent told me there was not a deductible. Also, when I called for payment another rep confirmed the dollar amount and this did not have the deductible removed. They also did not mention a deductible. They still refused to cover this. The manager then became very rude when I asked for a supervisor about him, and then hung up on me. No repair shop should accept these contracts, and no consumer should purchase. It is a waste of time and TOTAL SCAM! Everyone working for them should be locked up for fraud.

This company is a total scam. I purchased a $2000 policy for my chevy bolt. I had a warranty claim and called an adjuster. First call she said it wasn’t covered and read me the contract. It wasn’t even my contract. I told her I didn’t know what she was reading but that’s not my contract. She said, "Oops you must have an older contract."

Sold by Endurance. Worst warranty company I’ve ever used. They actually are a third-party provider and the real warranty is Smart AutoCare which is complete trash. My first claim I paid the dealer more than the warranty company did. The second claim they denied me saying I hit a curb but somehow had zero damage to my number and underbody but magically my radiator was smashed but not leaking from that damage. Dodge even was in complete disgust with how they handled the claim and the denial. DO NOT BUY.

A complete waste of money and time. I had a blow out on the freeway and had to be towed to a tire shop. I purchased a tire however, I couldn’t get reimbursed from this company because I purchased a tired before making a claim. This is unreasonable! Not worth the money. Horrible service. Absolutely not worth it! Zero stars!

If I could give 0 stars I would which should be an option. Avoid these at all cost. I got a flat tire on my way to driving my kids to school and come to find I had a nail and 2 tears in my tire which I had to patch. I put on the claim after the fact. But they need you to get pre-approved for everything. Their response was, "Oh you could have towed the car." Avoid them at all cost!

Don't get involved with this company! Make sure you read the contract and follow their procedure. My first claim was denied cause I did not let the auto care call and handle the discovery of a bad caliber. My second claim went to where I purchased the car who could not guarantee the repair so I went on their recommendation to another dealer. Now it cost me $100 deductible. The recommended dealer could fixed the problem but had to wait for approval, plus wait on the phone average 45 min to 90 min.one day before response. Then wait again for payment one and a half days. Again the average wait time was 45mi on phone, but this time I was also calling 2xs average wait 35 min to 49 min. There is no direct contact number only the 800 number. Is this company that popular? I regret my buy this contract but will hold on to it cause my vehicle is cover till 150,000 miles or another three years.