American Dream Auto Protect

I've always bought warranties on used cars since they don't come with one. American Dream Auto Protect responded before anyone else that I called. The specialist was able to explain everything to me and they worked with me on the payments.

refer to BBB complaint 24804566. I had a issue called from the dealer, no answer at 2 PM on a Friday. I needed to know how to proceed and they never answered the phone. They said since I drove it home it was not covered. Seems it's ok to give your premium back and call it good. Your DREAMING IF YOU THINK THEY'LL PAY ANY CLAIM.

Roger was amazing.. highly recommend his services every time, his patience and understanding was great.. he explained what I needed to now thoroughly about the plan

I have had this worthless policy since June 18th of this year. After more than a month later, my car broke down. I've had my car for over 2 years with absolutely NO issues. I took it to a local shop to have it fixed. They filed a claim to only be told that it wasn't approved due to pre existing conditions!! There HAS NOT been any issues with the car before this break down. I have repeatedly called and sent emails to the so called Claims Department. Only to be hung up on and emails gone unanswered!! Spoken to very rudely and told that I have no clue as to what I am talking about. I have asked for your company to send someone out who actually knows what they are doing to look at the car and to have the claim approved. So I can have my car fixed. I am disabled and need the car to go to Doctors appointments and other appointments I need, so I don't have to rely on friends to get me there. I feel that I am being RIPPED OFF!! Please help me and STOP IGNORING MY MESSAGES!!

I have a Mercedes 450 GL, I bought the most expensive warranty and was told all major issues would be covered. After driving the car for 5 months putting about 10k miles on it . I started having a mis fire . Took it to a mechanic and he confirmed it had engine failure. When I turned it into the warranty company they denied the claim without even coming to see the car. When I threatened to turn them into the attorney generals office for deception trade practices they finally sent someone out. My mechanic clearly sent videos and pictures that there was serious problems with the engine . However the inspector said it has not failed yet. It’s been proven there is a serious issue. But they don’t return my calls. I have gotten a lawyer involved as well as the attorney general. No answer back as of yet.

These ppl a scam don't use em keep yo card locked they steal money out yo account & they very rude, they tell lies the manger never come to yhe phone they keep hanging up , I pray God Or Someone catch em & Get what they deserve, my daughter was killed they don't care i hired a lawyer im use them & im start a petition to close them down , please never use them bad business check all there reviews, & the ones good the works at the company put it up there frauds scammers , need to be in jail, my daughter died & they didn't get me a rental nothing my car bn in shop a week they say they reach out with in 48 a lie if you don't believe me call the shop from the tow, they didn't reimburse me for the tow nothing they a scam check BBB you'll see

Let me start by saying the customer service team is friendly and responsive. However, be cautious with this warranty company. I had a $3,900 repair claim, and they only approved $2,400 — even though I purchased their top-tier Platinum coverage. I paid $5,200 upfront for the policy, but when I requested a refund, it was prorated and I was charged $275 for canceling after 30 days. Word to the wise: ask plenty of questions and make sure you get everything in writing. Their Platinum plan has a long list of exclusions — nearly half a page of parts not covered. Be aware, stay informed, and I truly wish you the best in your decision.

Courteous and Professional, the agent was extremely helpful ensuring that I receive a hard copy in the mail of my membership packages. She explained and made sure I understood next step in the process.

great service, repair at any facility with no questions asked. nice customer service, holiday coming up just trying to save some Christmas gift money.. thanks I'll will recommend this company.

Calvin J. was absolutely amazing as well as professional. He solved a problem for me which enabled me to stay with American Dream. I am so appreciative and very happy with the service provided!!

Sam was very helpful in helping me resolve my need for the cancellation of my policy. He was extremely professional and helpful. Your company is fortunate to have people like Sam.

Alex and Sam C were great! I cancelled my policy for wanting to do more research, no offense with American Dream they’ve been great. Most definitely Alex and Sam. Thank you

Shopped around and found their rates to be reasonable. Excellent communication from William M. So far two claims that were handled quickly without a hitch. Highly recommend.

the best company in the industry american dream auto protect, mark was able to help me get my claim covered and my account set up they are the best in the game. thank you so much american dream auto protect,

Mark F was very quick to get my approval processed day of! The shop had zero issues processing everything with my agent and I. I was impressed with being updated moments after processing.

This company is a SCAM!! They stole my money, months worth of payments only to say oh we don’t cover uber, lyft etc… complete garbage. When i purchased my policy, the agent didn’t mention anything. Anyway, pure garbage. Go to a reputable company. If these waste of life pos give me my money back i will change my review

DO NOT GET COVERAGE FROM THIS COMPANY THEY WILL BASICALLY ROB YOU OUT OF YOUR MONEY THEYRE GOING TO TAKE YOUR PAYMENTS AND ALWAYS DENY A CLAIM TO REPAIR YOUR CAR THEY COME UP WITH EVERY EXCUSE AS TO WHY SEVERAL DIFFERENT CLAIMS ARE DENIED… As Much Money you pay Them Each Month you Could Just Pay To Have your Own Car Repaired trust me A WASTE OF MONEY IF YOU WANT TO JUST GIVE YOUR MONEY AWAY DONATE IT TO SOMEONE WHO ACTUALLY NEEDS IT NOT THIS COMPANY!!! GOD BLESS

American Dream Auto Warranty is one of the best choice The customer service is very nice and cooperative All my previous claims were approved This is my third year.

Rated 1 out of 5 stars BUYER BEWARE! If I could give zero stars, I would, and I DO NOT BELIEVE that the positive reviews on this site are real. My elderly father enrolled with American Dream Auto Protect, and in my opinion, the entire experience was exploitative and misleading. Their so-called “Vehicle Service Program” is FULL OF TRAPS IN THE FINE PRINT. What Happened: Overcharges: He was promised payments of $129/month, but was actually charged $142/month due to undisclosed “fees.” Junk Fees: They demanded a $149.99 “deposit” fee upfront. Cancellation Penalty: When he tried to cancel, a representative added a $250 cancellation charge, bringing one month’s payment to an outrageous $325. Total Loss: Between January and August 2025, they collected $1,569.99. The Contract Itself: Caps liability at the car’s “trade-in value” or what was originally paid for the vehicle, which means major repairs will likely never be fully covered. EXCLUDES nearly everything that commonly fails in vehicles (airbags, CVTs, diagnostics, seals, gaskets, fluids, emissions systems, etc.). Denies consequential damages like towing, rental costs, or loss of use, leaving consumers to foot the bill. In plain language, the contract makes big promises up front but carves out so many exceptions that it provides almost NO REAL PROTECTION. Bottom Line In my opinion, this company preys on vulnerable consumers with high-pressure sales and a contract designed to benefit them, not the customer. What they market as “coverage” is riddled with exclusions, limits, and fees that make it virtually worthless in practice. ⚠️ I strongly advise avoiding this company. I have filed complaints with the BBB, FTC, my Attorney General, and New Jersey Attorney General (where they are located), and I encourage others who feel misled or overcharged to do the same.

If I could put a zero I would I am a disabled Afghanistan war veteran and I purchase this warranty paying over $2,500 for anything that could go wrong with my Nissan Pathfinder I specifically asked about transmissions they said everything was covered. Just last week my transmission went out I sent an claim to these guys and they denied it. They said they do not cover my type of transmission. On the contract it says it doesn't cover CVT being that I am not a mechanic I did not know CVT stood for transmission. Now I'm stuck with an $8300 transmission bill because this company lied to me. They sold me a policy that didn't apply for my car. I plan to sue the company! If they're doing this to me they're doing it to other veterans and other civilians and at the end of the day it's wrong it's unethical and is false advertisement.

Beware: Endless Delays, Denials, and Poor Service – Total Waste of $3,500 I purchased a Platinum extended warranty from American Dream Auto Protect in December 2024 for $3,500, thinking it would cover major repairs on my 2015 Jeep Cherokee. Big mistake! When I filed a claim in May 2025 for covered issues like fuel injector failure, spark plugs, and throttle body service (totaling ~$2,426 based on dealership diagnostics), they stalled for months with excuses. First, they denied it citing "improper prior repair" without proof, offering only a pathetic $400 "goodwill" gesture. A similar prior claim (fuel injector #5) was approved easily at the same dealership, so why the inconsistency? I had to involve lawyers to appeal, leading to inspections that confirmed the diagnostic codes but still left the claim "pending" indefinitely. Despite countless emails, calls, and texts over three months, they've gone radio silent, forcing me to drive with reduced performance (4-5 mpg loss, costing extra in gas). Their contract promises coverage, but in reality, it's all tactics to avoid paying out. Customer service is rude and unhelpful post-sale. Avoid this company – it's a scam dressed as a warranty. Save your money and go elsewhere! Complaint filed with New Jersey Consumer Affairs Division as last step before arbitration scam is started.

Misleading Ratings – Please Check the BBB First! I purchased a $4,240 extended warranty from this company and followed every step properly when my engine failed. They delayed for weeks, contradicted their own instructions, and then denied my claim with a generic “overheating” excuse. A certified mechanic confirmed only one bearing failed — no signs of overheating or misuse. They charged $600 in inspection fees (even admitting one inspector was sent in error) and are only offering a partial refund with unexplained deductions. They're not BBB accredited, have over 130 complaints, and a long history of denying valid claims and misleading consumers. Don’t trust the stars here—do your research. Here you go the TRUTH of who these people are.

This is where money goes to die, I would not waste my money on this company. I purchased the Platinum Level coverage because to the total coverage that is listed, including seals and gaskets. I had trouble with my transmission the third week of April 2025. I took my truck to a ASE Certified mechanic (as the policy states). The mechanics diagnosed the transmission problem and American Dream determined that a complete disassembly of the transmission was needed to properly diagnosed the problem. Since this company would not pay for the disassembly, I did. This company ordered an inspector to come and look at the transmission, which he did after two weeks. The inspectors report was not sufficient for American Dream so another inspector was ordered, and then a third inspector was ordered and the third inspector immediately determined that the 1/2 Seal was the cause of the problems. American Dream informed me that due to the fact that that 1/2 Seal was not covered so they would not be covering anything to do with the transmission. Remember, I purchased the Platinum level coverage which includes seals and gaskets . I again reminded this company what level I had and again their reply was “ we don’t cover that seal.” So after 7 1/2 weeks without a vehicle, a complete disassembly of the transmission, three inspectors ordered , The AmericanDream Auto Protect still refused to cover the transmission. I would think very hard about using this company, this is where your money goes to die.

The scam of all scams. AMERICAN DREAM AUTO PROTECT is definitely a third party warranty organization that should actually be called AMERICAN NIGHTMARE AUTO PROTECT. They are a reprehensible company that seems to conveniently change the goal posts when it comes to covering costly repairs. I own a 2018 BMW 540i sedan (G-30 series engine). I brought my car to BMW of Silver Spring, Maryland. My car was diagnosed as having a hole in the radiator that needed to be replaced. A claim was submitted for the repair/replacement that was reviewed and denied because there was an open TSB (Technical Service Bulletin) SIB 17-02-22. The TSB references a leaking coolant expansion tank (S63). Now this is where the problem starts. • My expansion tank is not leaking. It is intact and less than 6 months old. It is a genuine OEM BMW part. • The TSB refers specifically to the following series engines that are related to the defective part. F90 (M5 sedan), F95 (X5 M sports, F91 (M8 convertible), F92 (M8 Coupe), F93 (M8 Gran Coupe), F96 (X6 Sports). My car is a G-30 series that is not mentioned in the TSB and my expansion tank is not defective. There simply is no leak with the expansion tank. The BMW dealer sent a written estimate for the repair that included replacing the radiator and the coolant. A video of the technician’s analysis was provided to American Dream Auto Protect and that information still did not convince the American Dream Auto Protect to approve my claim. I am devastated at the outcome because I now must pay out of pocket $2,700.00 to get my car repaired. I spoke with Ariel and AJ, and neither were helpful in resolving this unjust and corrupt decision. This business is fraud and should be investigated for unfair business practices. Please do not get hoodwinked or bamboozled like me. If you see American Dream Auto protect,………RUN THE OTHER WAY Colin Billett, Laurel, MD

I am going to start out letting everyone know that I wrote a review earlier today about a customer service rep I had what was Sophia, which did a great job. But 4 hours after that I got an email from claims on my vehicle which is a 2014 GMC Terrain. Starting from the beginning, My Terrain was running fine in March and April with 149k miles, I put a new starter on and new throttle body and sensors and a normal maintenance and changed the oil as GMC recommends. I got a phone call from American Dream Sales Rep Edward B. which talked me into buying the best Plan which covers everything. This was purchased early April, ask me if wanted to start now or end of month, I advised to start at the end of April which was April 29th. Paid the startup fee and then next months payment. I was very excited and happy to find a good company to cover my car for my Fiancé' as to keep her safe if having car trouble. Now trouble with our Terrain started on May 2 as she was coming home with food and the car just shut off. Won't start sounds funny when trying to start it. Checked a few things then later on had it towed to the dealer to have checked out, and they advised me the timing chain had came off and that was the reason engine had quit. Now advised me i need a new motor or a used motor. Dollar value of $7k to $10K to get back to running again. American Dream Adjuster came to dealership and turned in information. American Dream advised me that repairs are not covered due to me knowing the engine was bad prior to getting insurance. All I can say is I am not a certified mechanic or a fortune teller to know my internal engine parts were going bad. We both were driving the car on interstate 70 and 70 mph speeds and no problems, very nice SUV. Now we have no car, paid out money for nothing. So here is my review: STAY AWAY FROM THIS COMPANY!!!!! I have never wrote a review like this and hate to write this but everyone needs to know. I hope no one else is going to get taken like my wife and I which are both on SSA and like all Americans, just trying to make ends meet and that's why we purchased this extended warranty. Please read some of the other reviews also which I wish I had. We are also going to take this issue to the attorney general of Ohio for bad business practice. Again my main concern is no one else is going to get hurt, find another company not American Dream. Marvin J

Good so far! Better premium dollar value. No cap like MOST companies I've had. If you sell your vehicle they say that they can transfer the coverage to another! I'm sold.

I took out an extended warranty on my 2016 Ford Explorer at the end of February with this company. I had to wait 30 days before making any claims. Last Friday my husband took our car to Ford because the air conditioning stopped working and our warranty was now in effect. While at the dealership they found our water pump also needed to be replaced. The cost of these two repairs is almost $6000. The dealership submitted a claim and we were promptly denied. The reason we were given is because there is a technical service bulletin on our car. The dealership told me you would have a hard time finding any car that didn't have a service bulletin however, this is not a recall and the bulletin has nothing to do with the repairs on our car. I have talked to American Dream Auto Protect twice as has the dealership, they claim that if there are any service bulletins on a vehicle they are not obligated to pay for any repairs EVER. Their reps were nasty and defensive and not helpfull at all. I asked for a manager and of coarse they were not available, he finally said someone would call me back but that will probably not happen. They had scheduled a visit to inspect our car then cancelled it because of this service bulletin. They were happy to take us on as a customer and collect our premiums knowing they didn't plan to pay out any claims because the service bulletin already existed. This is fraud. If the service bulletin has nothing to do with the issue they should pay for the repairs. If they were not going to cover anything on our car they should have not written a policy with us. This warranty is useless. I reached out to my local NBC station that investigates consumer complaints and we will see what happens. They are not amazing, this is a terrible company Follow up, I just got off the phone with Michele, a Resolution Manager at ADAP who contacted me because of my review and explained what happened. I had to go ahead with the work of fixing my water pump because it needed to be done and my car has been at the dealership for a week because ADAP wouldn't send an adjuster out to look at it.   She told me since the work was already being done there was nothing they could do. She also told me the claim was denied and they can't change the decision.  I don't believe that. Very convenient..   They offered to refund my premiums if I take my review down but no way.  I hope this review keeps people from signing up with this company.  My local TV station has already contacted me, so we will see where this goes.  Total Fraud!