Protect My Car is the current name of a company providing extended service contracts to consumers. The plans are administered by United Contract Service Group, which shares the company’s address. Past names of Protect My Car include Solace and Precision Auto Protection. This company should be approached with extreme caution, as there are many examples uncovered in the research and reporting of this review of misleading information by the company.
Basic Warranty Features
Protect My Car offers three choices of extended service plans from which customers can choose. These offer coverage that is cumulative, with added features being offered for higher-tiered plans.
The Driveline plan is designed for higher-mileage vehicles and covers the engine, transmission, drive axles, fuel systems, and electrical systems.
The Select plan offers the above protection in addition to heating and cooling systems, lubricated parts of the brake system, temperature control, and the ABS master cylinder.
The Supreme plan offers coverage which is more similar to traditional bumper-to-bumper coverage. The plan includes coverage for the steering components and front and rear suspension in addition to the above coverages.
In addition to the extended service plans, Protect My Car offers a car maintenance repair plan which can reduce the cost of repair bills. The maintenance plan offers roadside assistance, three free oil changes, and two tire rotations per year.
Protect My Car offers its customers 24/7 roadside assistance for its customers as a part of all plans. All deductibles are waived for services provided as roadside assistance. The company does not disclose limitations to its towing coverage, which is unusual. Included in the service is emergency jump starts to the covered vehicle, vehicle lockout services (key cutting is owner’s responsibility), flat tire change to the covered vehicle (spare not included in coverage), and fluid delivery (cost for fluids are the owner’s responsibility).
For repairs which are covered by Protect My Car’s service plans, the company offers rental car reimbursement of to $30.00 per day, for seven days, or a maximum of $210 per covered claim. Those with an Ambassador plan can receive rental car reimbursement for up to $90, or three days at $30.
Protect My Car offers its customers a 30-day money-back guarantee, monthly interest-free payments, and low deductibles for its service. The company does not disclose its specific costs beyond these statements.
Basic Warranty Length
Protect My Car does not disclose the average length of the terms for its service contracts.
Each of the service contracts offered by Protect My Car includes some aspects found in a manufacturer’s powertrain warranty, with the engine, drive axles, and transmission covered. As repairs to these components are often very expensive, for them to be covered, the customer must have immaculate record keeping of all maintenance (tune-ups, oil changes, etc.) to avoid the claim being denied. Anecdotally, there are many reports of claims on these parts being denied by the company and its former identities.
Plans Are Not Available Nationwide
Protect My Car does not service customers residing in Missouri, Louisiana, Washington, and Oklahoma. Attempts to learn if covered repairs would be done in these states if a customer is traveling were not answered by the company.
Time in Business
Protect My Car states that it was founded in 2005. Protect My Car began operation in August 2015. Prior to this, the company was known as Solace (January 2015 to August 2015). Before January 2015, the company operated as Precision Auto Protection. There is no verifiable information validating that any of these corporate entities for vehicle service plans started in 2005; but one of the many corporations registered to the founders, Craig M. Rubino and Joseph C. Rubino, Advanced Marketing and Processing, was founded in 2005. This corporation is listed as one of the many alternate names by which Protect My Car does business as by the Better Business Bureau.
There are several reports of customers being denied service on covered repairs with both Solace and Precision Auto Protection. These companies have websites which either automatically redirect to Protect My Car or have multiple dead links. Precision Auto Protection has its own site, but all social media links are those for Protect My Car. Additionally, the company (Precision Auto Protection) states that it is accredited by the BBB, which is false and purposefully misleading.
There are numerous reports on reputable review and evaluation sites which state that the customer support for Protect My Car is lacking. These reports fall primarily into one of two categories: refusals of claims, refunds, etc. or engages in high-pressure sales tactics. Many people are dismayed to learn that because they either did not perform regular maintenance on their vehicle or did not keep records of performed maintenance, that their contracts are essentially worthless and companies will not provide service on their service contracts without these records, even if the customer has paid for protection. This is a common clause in extended service contracts. As such, customers must be fully aware of what their responsibilities are in order to avoid paying for protection that is essentially worthless.
The other category of common complaints about Protect My Car includes harassing interactions with customer service or sales representatives and high-pressure sales techniques. Among reputable companies in the industry, there are very few allegations of these behaviors. Protect My Car has had a significant number of complaints about its interactions with prospective and current customers. The company is the defendant in a current and ongoing legal action for its violations of telemarketing practices. Some people report that they were verbally harassed to the point of the customer service representative engaging in insulting language and name calling. These reports are too frequent to ignore and unacceptable in any professional environment.
Frequently Asked Questions
Does the warranty include towing? What are the limitations on towing expenses?
The service plans and maintenance plan both include roadside assistance and towing. There are no limitations (miles, a place to which the vehicle can be towed, or dollar amount) that are disclosed by the company.
Can a warranty be transferred if the car is sold?
Service plans can be transferred to another individual upon the sale of the vehicle.
Are there any fees involved in the transfer of the warranty to a new owner?
There is a $50 administrative fee to transfer the service contract to another individual.
Where can the repairs be done under warranty?
Protect My Car does not disclose which shops can be used with the plans.
What hours/days can a repair be reported?
The company states that customers can report repairs 24 hours per day, seven days per week.
Does the warranty cover a car rental while the repair is being made?
Both the extended service plans and the maintenance plan cover a rental car.
How many days/hours does a car rental cover?
For the owners of an extended service plan, the company offers rental car reimbursement of $30 per day for a maximum of seven days for a covered repair. The Ambassador Maintenance plan covers three days for a total of $90.
How long does it typically take to file and process a claim?
This information is not disclosed by the company.
Does the warranty cover defects which are discovered or which occur in a different state than the state of purchase?
The company states that it covers repairs for the covered vehicle and that it cannot sell contracts in several states. There is no disclosure from the company if it pays claims inside of the states which it does not sell plans.