Vehicle Protection 101
CarShields FAQ’s on claims, coverage, and contracts.
What's the difference between a "service contract" and an "extended warranty"?
An "extended warranty" is an extension of your manufacturer's warranty. CarShield is not connected to vehicle manufacturers or dealers in any way. Instead, a CarShield service contract is designed to pick up where your existing warranty drops off, or to fill any gaps in coverage.
How is a CarShield service contract different from my auto insurance policy?
Typically, auto insurance covers only collision or accidental damage to your vehicle—such as a car crash, fire, or vandalism. A CarShield service contract covers the mechanical parts of your vehicle. Most auto insurance policies do not cover mechanical breakdowns, unless they are the direct result of an auto accident. With a CarShield service contract, your engine, transmission, and other vital car parts are protected anytime they break down or malfunction.
Do you sell service contracts for vehicle manufacturers or dealers?
No, we are not affiliated in any way with the extended warranties that manufacturers and dealers sell. Instead, we offer service contracts through our partnerships with established suppliers. These contracts offer protection for almost all vehicle makes and models, and repair work can still be done by your local dealership or repair facility.
Why do you need so much information from me when I request a quote online?
We ask for the make, model, mileage and age of your vehicle in order to recommend the best possible protection. And because rules vary from state to state, we need to know where you live, and how to reach you there.
Why do I need a service contract? I’ve worked on my own car for years.
As vehicle technology becomes increasingly complex, it becomes more challenging—and potentially problematic—for even the most experienced do-it-yourselfers to fix their own vehicles. Even seemingly simple repairs now require computerized diagnostics, specially trained technicians, and sophisticated equipment only found in specialized repair facilities.
How is a CarShield service contract different than the vehicle warranty my dealer sold me?
Vehicle warranties sold by dealers and manufacturers cover repairs on your car up to a certain age or mileage criteria. A CarShield service contract is designed to pick up where your existing warranty drops off, or to fill any gaps in coverage. This gives you the peace of mind that you’ve got continuous protection against costly auto repairs.
How do I figure out which vehicle service contract is right for me?
When choosing a plan, no matter its level of coverage, make sure it offers a cancellation option, monthly payment plan, free towing and rental cars, and a money-back guarantee. CarShield backs each of its contracts with these services and offerings; many other warranties and service contracts don’t offer this level of customer satisfaction. When choosing your level of protection, make sure to take a close look at what each contract covers. If you choose only the most basic, least expensive coverage, you could still be left paying for costly repairs. CarShield contracts have been designed to fit a wide range of coverage needs and budgets, and can be further customized to meet your unique needs. Plus, every contract we offer will cover your vehicle’s most vital parts. View our sample contracts.
Is my vehicle guaranteed to be covered by CarShield?
A CarShield representative will review your information and will contact you as soon as possible provided you have already submitted a request online. Or you can also call us toll free at to find out more information. We provide services for both new and used vehicles, so there is a good chance your vehicle will qualify for coverage.
Is my service contract transferable?
Most of our contracts are transferable if you sell your vehicle to another person. Contact one of our representatives toll free at to discuss the specific terms of your contract.
If my vehicle is used/pre-owned, do I qualify for coverage?
Yes, we accept used/pre-owned vehicles as well as new. Please contact one of our representatives toll free at , and we will further review your information.
Can I put more than one vehicle on the same service contract?
No. Because each vehicle is different in terms of its mileage, age, overall condition, and repair history, each contract we create is vehicle-specific. This ensures that each of your vehicles receives the right level of protection.
If I file a claim, will my premium increase?
No! No matter how many claims you file, your rate will never increase!
What happens after I file a claim?
The shop will be in contact with the claims department, determine if the repair is a covered component, and contact you to move forward.
How do I check the status of my claim?
When should I file a claim?
Anytime that the vehicle is giving you an issue you're welcome to file a claim. Your claims representative will determine the cause of failure and as long as it is a covered component, it will be taken care of for you!
How do I know if my claim will be covered?
Refer to your contract's coverage section to find a list of covered components listed under your contract. See contract for more details.
How does the deductible work?
Once the repair is completed, you pay your deductible directly to the repair facility.
What if I need a rental vehicle while mine is being repaired?
If your repair is a covered component, and your vehicle is scheduled for more than 4 of labor, rental costs up to $40.00 per day not to exceed $160.00 will be covered. Talk to the dealership and see if they have rental cars available. If not, then call a local rental agency to arrange a vehicle. If you need assistance please call claims at 1-800-531-1925.
Do I pay for rental up front?
I It depends. Dealerships may have rentals available and you may not have to pay up front. If you need to go through a local rental agency, then you most likely would pay for the rental up front and get reimbursed once the repair is completed.
What if I break down after hours or away from home?
Simply call the roadside assistance number at 1-866-222-7869 to arrange a tow truck to take you to a local repair facility. Contact the shop in the morning to start the claim. Most of our coverages also provide Trip Interruption. If your vehicle breaks down 100 miles or more away from home and needs to be left at a repair facility overnight, your hotel and restaurant expenses may be reimbursed to you $50 per day, up to 3 days. Maximum benefit is $150.00 per occurrence.
How does repair payment work?
Once the work has been completed, claims will pay the repair directly over the phone with a credit card to the repair facility. You will be responsible for your deductible, plus any non-covered charges.
How do we determine if a claim is paid?
First, make sure the part is listed in your coverage plan . The mechanic will find the cause of the repair and contact claims to determine whether it will be a covered repair or not.
What responsibilities do I have to keep the coverage active?
You need to keep up with your manufacturer's maintenance schedule. and keep receipts for all scheduled maintenance. You must be out of your scheduled waiting period to file a claim. (see your contract for details on waiting period). Do not misuse, neglect, or modify your vehicle during the contract term.
*Please see contract for Claims and Benefits eligibility
What and where is my VIN?
Your VIN is your vehicle identification number. The most common VINs contain 17 characters. Ex: 1G1FP22PXS2100001. Some common places to locate your VIN: On the drivers side dash viewable from the windshield, the front of the engine block by raising the hood and looking at the front of the engine, and in the driver’s door jam.
What and where is my current odometer?
Your current odometer is a recording of the current (today) measured distance your vehicle has traveled. In other words, your current vehicle mileage. For example, your odometer can read 30,165 miles. Your odometer can be located inside the vehicle on the driver’s side dash usually below the speedometer. Some vehicles may require that the engine is on in order to show the odometer reading.