Smart AutoCare Reviews

I had a total loss wreck back in September of ‘23 and had GAP insurance through Smart AutoCare… Heads up. DO NOT GET THEIR POLICY!! My claim was supposed to be done by end of January ‘24 (end of the 90 cycle for claim submission), while they put you through the RINGER in the process of gaining documentation (sent the same stuff to them OVER 3 times), they don’t do a damn thing. My claim was being worked by a “D. James”, who I assume was either fired or let go, because when I called back IN APRIL since my claim had still not been processed. I asked for the reasoning behind my claim never being processed and the response was “the agent who was working your claim is no longer with our company and your claim happen to fall through the cracks”.

Don't waste your money with this company. I had purchased coverage when I got my Volvo lease. Thought I was covered with excess wear and tear. I was wrong. Company uses every loophole to try and not pay you.

Terrible company. I purchased gap insurance for my mini van. Hit a deer and totaled. Smart Autocare denied my claim calling my vehicle a commercial vehicle. It's a minivan. They said it was a 10,000-pound vehicle used more than 50% of the time for business according to their definition. They will not back you. Don't waste your money.

Do not buy. Not as good as factory certified warranty whatsoever. Crooked as dealer sold this to me. They make you jump through hoops and want you to wait while they send someone out to drive your vehicle before repairs are made. Then they want you to wait while they approve the repairs and get photos of every part. Then they make you wait again while making payment. Rental car is only covered for how many LABOR HOURS the job took, not how many days waiting on Smart Auto Care's incompetence. My repair was a transmission, took over two weeks because of this dumb warranty.

This is a criminal enterprise that should be prosecuted by all state insurance commissioners and refunds for all consumers that were swindled by their immoral practices. They will point fingers at their accomplices, the unscrupulous dealerships that peddle their deceitful products.

Horrible just horrible. No basis for claim denial even with CarFax maintenance records as proof. After proceeding to begin to finally order the part then pulls the claim with a denial. Meanwhile I am stuff with a bill 6 weeks in a rental in which they will not cover 1 cent. Plus still needing to replace a car engine. Horrible horrible horrible. Shame on their practices.

On Dec 5th I had my car towed to the Infiniti dealer of Orlando. On Dec 6th Infiniti submitted inspection info. On Dec 13th we finally heard back from warranty company (JD). Stated that they will provide engine but Infiniti’s rate ($230) is over the average rate that the warranty company will pay for ($145). And that I’d be responsible for the cost. JD (warranty rep) suggested that I shop around to other shops to find lower rate to avoid me having to pay any balance. I spoke it over with the Infiniti shop and they were willing to reduce the rate to $199. JD stated that I’d be out of $3000 with that rate. I began shopping around and found Service Center of Orlando.

I called and reported a buzzing noise in my steering column. They said it would be covered. I took it to a shop who diagnosed the problem as faulty ground connections. Smart AutoCare would not cover the diagnositic or repair. They say they have to approve the claim before the work is started. They deny coverage on semantics and technicalities. The shop technician cannot find the problem without doing diagnostic work? Pathetic waste of $2300 to buy a warranty from this company!

Very lousy company. I recommend avoiding them at all costs. It's now 11-9-23, they are dragging out a claim from mid-July 2023. They insist some paperwork has not been received, however, the second time they "lost" it, registered mail was used. AVOID THIS PLACE AT ALL COSTS.

My car was totaled 5/5 and here it is almost 3 months later and they have yet to pay off my vehicle. Always get gap through your CAR INSURER, never go with the outside company. I call, they don't answer and the line. Just drops on you. They take WEEKS to respond to my email. Now I am in customer service and my company would NEVER handle a client like this. We must reply and answer questions we're asked. Tiffani ** is my rep and she has NOT answered any of my questions I have but I send her ALL the docs she request.

I purchased a new 2022 Kia and with that was sold a GAP insurance policy through Smart AutoCare. I lost my car while working at the hospital during Hurricane Ian just 4 months after buying my car. The hospital lost over 300 cars during that storm from employees mandated to work. Smart AutoCare has made paying out the claim IMPOSSIBLE.