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Protective Asset Protection
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1.4 22 Complaints
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Protective Asset Protection complaints 22

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3:59 pm EST
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Protective Asset Protection Auto powertrain warranty

Bought a used gmc 2016 one yr ago got the extra coverage, the motor blow do to a rear seal leak, they are refusing to fix because they claim there's recall and I should had fixed it, on my car fax and anything else I look up there's no recall, can't show me where there is or how they help I was supposed to know, this is bs, this is the whole reason I bought the coverage, I will be looking in to sueing them if I can't get this fixed

Claimed loss: 14000.00 And car rental 700,so far

Desired outcome: I want my motor replaced

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2:31 pm EDT
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Bought used car at Wayne Akers. After afew weeks, I started looking over my finance only to see I have an extended warranty in the sum of $2178 and another $999. They’re both for 7 years plus $699 for lojack, which I wasn’t asked. Since I’m elderly, 7 years is ridiculous but I soon found out the dealership was bought by the same company that sells the...

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1:48 pm EDT
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Protective Asset Protection Warranty coverage under so-called "ultimate guard + luxury electronics"

I purchased the highest coverage possible: the Ultimate Guard. In addition, added the "Luxury Electronics Coverage" which was supposed to cover as follows: "The following emissions related components are covered: Air fuel ratio sensor; anti-knock sensor; fuel sensor; idle air control valve; intake air temperature sensor; intake manifold; manifold air pressure (MAP) sensor; mass air flow sensor; oxygen sensor; powertrain control module (PCM); exhaust manifold."

The check engine light came on and I took it to the local dealership. They diagnosed it as an emissions-related component failure, specifically the Evaporative System Integrity Module (ESIM). The service manager contacted Protective whereupon the claim was denied. Even though emissions-related components are supposedly covered under the additional Luxury rider, this particular part was not "specifically listed." As it turns out, it is a $20 part that takes 5 minutes to replace. Protective refused to cover it or the diagnostics related to it. This appears to be bad faith. When one is sold the top tier coverage with the additional luxury package coverage, one would expect a simple $20 part be covered, especially given the misleading coverage wording.

Desired outcome: I would like reimbursement of my expenses.

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Is Protective Asset Protection legit?

Protective Asset Protection earns a trustworthiness rating of 91%

Highly recommended, but caution will not hurt.

Our conclusion: After a detailed review, ComplaintsBoard finds Protective Asset Protection to be a trustworthy company. Although there's a 9% resolution rate for customer complaints, which deserves attention, Protective Asset Protection is known for their high standards and safety. If you're thinking about dealing with Protective Asset Protection, it's wise to check how they handle complaints.

Protectiveassetprotection.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Several mixed reviews for Protective Asset Protection have been found on various review sites. While some customers have had positive experiences with the company, others have reported issues with their products or customer service. It's important to read and consider a variety of reviews before making a decision to purchase from this website.

However ComplaintsBoard has detected that:

  • While Protective Asset Protection has a high level of trust, our investigation has revealed that the company's complaint resolution process is inadequate and ineffective. As a result, only 9% of 22 complaints are resolved. The support team may have poor customer service skills, lack of training, or not be well-equipped to handle customer complaints.
  • There was some difficulty in evaluating or examining the information or data present on the protectiveassetprotection.com. This could be due to technical issues, limited access, or website may be temporarily down for maintenance or experiencing technical difficulties.
  • Protective Asset Protection protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
  • The website belonging to Protective Asset Protection has a low number of visitors, which could be a red flag for users. However, it's important to conduct additional research to fully evaluate the website's legitimacy and trustworthiness.
  • We conducted a search on social media and found several negative reviews related to Protective Asset Protection. These reviews may indicate issues with the company's products, services, or customer support. It is important to thoroughly research the company and its offerings before making any purchases to avoid any potential risks.
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4:44 pm EST
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Protective Asset Protection 2019 Yukon Denali Complete coverage

Had a check suspension system warning come up. Contacted my local dealer and by time he could get it in, I was 67 miles over my factory warranty. He called Protective to cover the cost, which ended up being an electronic component built into the shock absorber, and because it was a shock absorber that needed total replacement, they denied it. My service manager, who has 30 years at this dealership,and myself both argued that it’s not the shock absorber, it’s the component built in to it that’s bad, but because of the way it’s manufactured, the whole shock has to be replaced. The replacement is over $800. They denied it and will not budge. What a waste of money to buy the extended warranty for exactly this reason. Total rip off!

Desired outcome: Replacement paid for as I feel it’s warranted along with my service manager who has over 30 years in this dealership.

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12:47 pm EST

Protective Asset Protection Kia Sorento 2016 GG013697

We haven't had our Kia that long and the engine soon light came on. It needs a new engine. This company is denying our warranty and refusing to fix our car. We paid for the warranty. We gave all the receipts for oil changes they ask for. The auto machnic and inspector both agreed that this was a problem before we had this car from previous owners. Still warranty is denying to help us. We have been easy to work with and gave them what they said they needed and they still are denying it. Don't ever buy their warranty.

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7:15 pm EDT
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Protective Asset Protection Platinum extended auto warranty

Steering knuckle joint failed causing further fail of tie rod, control arm, cv joint and strut. Warranty is enforce but they refuse to pay claiming there had to be wheel damage or curb impact. Neither happened. They have refused to speak with our mechanic who said the damage to the wheel as well as other parts was indeed caused by the failure of this part. We are not looking for them to pay for not covered parts, just the covered parts. At this time the costs to replace the covered only parts is over $1400, We paid 1500 for the warranty. This also caused damage to the fender which our comprehensive insurance is covering. Multiple calls even speaking with a manager has yielded only denial of claim. They also refuse to speak to our mechanic.

Desired outcome: either pay for covered parts or refund entire warranty

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Update by willow445
Oct 19, 2021 7:33 pm EDT

tire and wheel damage caused by knuckle joint fail

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5:42 pm EDT
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Protective Asset Protection Complete Wrap Policy - CG51 400357 - File CGP 793927

On Saturday August 22, 2020 we were driving out of State in South Carolina on I26 when our Acura lost power.

It was a terrifying experience with our young Granddaughter in the car with us.

We were able to limp our way to Bradshaw Acura in Greenville, South Carolina just before closing on a Saturday.

We were not able to even think about an authorization for service at the time. Just lucky to make it there before closing and all documentation for this policy was at home in Florida.

On Monday August 24, 2020 we picked up the car and the Service Manager told us to submit a claim when we got home and it would be covered.

Received letter today from Protective Asset Protection stating that they would not pay the claim because it was Unauthorized repair. This is just crazy... Note this policy was purchased from Acura when we bought the car so that we would not be subject to an undo hardship of paying $1, 300 for a major repair.

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11:16 am EST

Protective Asset Protection auto protection plans

I took my car to a shop for repairs not worried about coverage because I have protective asset protection. Recieve call from shop and told asset protection will not cover the repairs that their not covered. So I go on line and get a copy of the plan and whats covered an email it to asset protection and their response was that plan was out dated they had a answer for everything to keep from paying for the repairs. Not good business at all. So sad. Total ripe off, they talk you into getting all this so called coverage, what a bad joke. They were not even willing to bend a little. Pitiful

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12:52 pm EDT
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Protective Asset Protection insurance

Terrible customer service. Terrible follow-up. We purchased two used cars from a dealership on the same day. They gave us "Lifetime Powertrain" warranties on both vehicles. When I called Protective due to an issue, my car was not on the policy. It took 12 days to get my car activated. The car had been purchased over a year prior. My car had been smoking that entire 12 days. Then we took it in, they told the mechanic to replace a part (not under warranty) and we did at a cost of $300 to us. This did not fix the car. We then took it to a Nissan dealership who told them that we need a new motor. Protective is refusing to cover it because it is not a "mechanical breakdown." We are being told it is going to cost us $5000 for a USED motor. This insurance is a joke. Don't waste your time with them. I am contacting the Better Business Bureau!

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4:35 pm EDT

Protective Asset Protection fulfilment of customers warranty

I reluctantly took on a job for a customer who had an overheated durango only to have to jump through many hoops to confirm what 35 years of automotive repair experience told me in 15 minutes. P.A.P. Required me to remove both heads (at the customers expense) and when they were told of the extensive damage to the block and heads, authorized me to proceed with an engine replacement. After over three hours we came to an agreement of the charges (which had been previously approved). Hours later they call me back to make the payment only to reneg on over $2500 of the repair. Nobody at this company can seem to find any of the correspondence (of which we have copies of emails) and seem to be unable to give a rats [censored] about the customers they scam out of the warranty money. These people are the whole reason i will never work with another warranty company and will do my level best to deter people from ever using this company.

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12:50 pm EDT

Protective Asset Protection 2014 cadillac cts “rear differential”

I bought a 2014 cadillac cts in october 2018 from patty peck honda in mississippi that came with the dealership warranty a lifetime powertrain warranty with protective asset protection. On july 20, 2019 I noticed a sound coming from my car, as the days passed it got louder. I took my car to the cadillac shop here in baton rouge where I live and they diagnosed my car saying it was the rear differential had gone bad. I called the warranty company protective asset protection company about my warranty and it clearly shows it covers the part to be fixed. They spoke with the mechanic and told them what the problem was, he clearly stated how it got messed up. The warranty sent out their inspector to check my car, I got a call saying they would not fix my car it's not covered cause of the seal and gasket broke which caused it to leak the oil out and that caused the bearings to mess up in the differential! I never saw a leak nowhere to know that I had a problem, so if the mechanic told how the problem came about and started to happen it should be covered! Why have a warranty if they don't honor the warranty they list to be covered, why do I need it...! I'm looking into an attorney this is not right... Please do not deal with protective asset protection warranty company they are full of [censored]ttt

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3:29 pm EDT

Protective Asset Protection extended warranty

ok so i bought abrand new car wanted everything for it, I never make a mistake of what i hear this way i have no regret. I went to Bill Jacobs Mazda In Joliet . The car is good but the Dealer Shady, the owner died the wife sold the buisness and all the people that worked there gone. Now when i i bought the Extended Warranty and this is how i was charged for it and asked if i wanted it not a service protection plan i paid 1933.00 dollars for it only to find out it doesnt exisist. . So heres what i learned Dont buy the 3rd party warranty because it dosent exsist and i will say it to their face . Its all changed once you leave the dealership .The Dealership they dont care they sold the car. #3 this company goes buy several different names and the BBB well their not going to help . So keep your money .

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10:26 am EST
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Protective Asset Protection claims

We bought a 2010 Chevy Equinox from Toyota Direct in Feb. By March we were having issues with it losing Oil. We took it to our mechanic who informed us that there had been a recall on a part which caused this. However the previous own and/or dealership never followed up on it. Protective made us go through multiple trials which required us to go through a weekly oil test at an approved dealer. After that they stopped communicating with us and considered the matter closed. As they blamed US for what the dealer/previous owner had not had done. They refused to cover ANYTHING on the car. Then it died completely, we couldn't even drive it by May. We had it towed to a GM dealer who has had it ever since! The Warranty WE paid for is USELESS as they continue to make excuses for why they don't think THEY should cover parts that are CLEARLY marked as covered under our plan. As of Jan 06, 19, I am STILL driving the car that we bought this one to replace. It is unreliable, breaks down frequently and we are STILL Making car payments on the car we don't even have possession of.
This company should be closed down.
DONE with them! currently working on filing reports against them with the FTC, BBB and Ohio Atty Generals office.

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4:40 pm EDT

Protective Asset Protection xtraride extended warranty

Purchsed an RV in June 2016 with an XtraRide extended warranty from Protective
Asset Protection. Sold unit in April 2018 and paid off loan. I wrote them a letter in April, 2018 requesting refund of unused premium.

Contract clearly says that it can be cancelled and a pro-rated refund will be made. When called to see if they had gotten my letter saying we had sold the unit, they said and it would take 6-8 weeks to get the refund. Over 2 months later and we've heard nothing. Poor customer service.

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9:47 am EDT
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Protective Asset Protection extended boat engine warranty

i bought the extended warranty for my Regal 2500 for peace of mind. i recently had a fuel pump and pulley go out and PAP said they would replace the pump but not the pulley. the pump will not work without the pulley. so after talking with them several times they decided to pay for the pulley. now my raw water pump and pulley went out. PAP says the warranty is part specific and the raw water pump is not covered and definitely not the pulley. said they made a mistake before by paying for the pulley on the fuel pump. these are all items that routinely go out on a boat engine. it is beyond me how a raw water pump would not be covered on warranty, other than they know what parts go out and will not cover them. my advice is save your money. PAP will not pay for the items you will need to be replaced.

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3:20 pm EST

Protective Asset Protection hassel warranty service hassel bad

Nov 2016 after buying 2003 ford expedition 72, 000mile and protection plan
Had the head heads strip out and blew the spark plug out
Was in a small town and they could repair reasonable and right away submitted claim and was told that was not an internal lubricated part so would not be covered total bill was only $300.00 now if I had it repaired at a dealer they may have replaced the head because of the striped threads much more cost but that may have been a covered part I travel the dakotas and western mn for work so every little town has a great mechanic but like this one that I used will not deal with the hassel of the warranty it is a hassel make sure you understand exactly what the processes and realize most claims are turned down it may save some money but it s not worth the hassel. If you did buy this you can go back to the dealer that sold it and they will prorate the money back to you with no hassel. I would not recommend this service to anyone it is a scam buy the time you pay for it its over $2200.00 added to your loan then you have a $100.00 deductible and you have a big hassel trying too get approved for a warranty do not purchase this put away some money in the bank your better off
Do not use
Asset protection home office
Protective asset protection
14755 north outer forty drive, suite 400
St. Louis, mo 63017
Phone: [protected]

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4:28 pm EDT

Protective Asset Protection gap insurance

We had a total loss GAP claim on Dec 25, 2015 and they shorted the amount by nearly $500 and they refuse to explain or give documentation HOW they came up with the numbers. first they tried to say we were 2 months behind which was not true, then they said its an 'internal document' here we are 4.5 months later and the bank has it on our credit reports and I have all the documents sent to Protective and have contacted the bank and no one can tell me where they numbers come from. This place is a fraud, they had all the documents they needed and took months to get a payment out, I want them to pay the full amount of the claim as was given to them from the back with the payoff amount of $3, 697.87 submitted by our credit union on jan 13 2016.

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6:16 pm EDT

Protective Asset Protection extended vehicle warranty

On 12/18/2013 we purchased a 2008 Buick with 59, 9xx miles. At that time we purchased an extended service contract through the above company for $1998.00. The contract term was 36 mos/ 75, 000 miles. The dealer & we were under the impression that this warranty was for an additional 36 mos/ 75, 000 miles. WRONG! We WOULD NOT have spent $2000 on a warranty that only covered the vehicle for 15, 000 miles. The dealer is trying to work with us as they feel it wasn't properly explained to them by the rep from the company either.

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10:14 am EST
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Protective Asset Protection gap claim

My daughter purchased a car in 2009 of which I co-signed with her. She purchased a 2006 Nissan Sentra. On 4/2014 she had an accident that totaled the car. After insurance came through, she owed a balance of approx. $500.00. So, we turned to the GAP insurance and made a claim. 4 1/2 months later, after repeatedly sending them the same information every time, we now get an answer that "there will be no money from GAP - not a penny". This is exactly what GAP insurance is supposed to take care of. Is there a GAP Claims "BOARD" that I can send in a complaint too?
This is who was in charge of the claim:
Stacie Frye, Adjuster
GAP Claims
Asset Protection
gap.[protected]@protective.com

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So dissatisfied
, US
Aug 08, 2016 8:20 pm EDT

I am in the process of trying to get protective to pay gap claim on car totalled May 22, 2016. Very poor communication from them. Request for documents previously sent--same as other complaints. Bank has reported me to credit bureaus also and that has no effect on protective. They are shameful. Never again.

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Heather Boller
, US
Apr 17, 2016 4:04 pm EDT

We just had a total loss GAP claim and they shorted the amount by nearly $500 and they refuse to explain or give documentation HOW they came up with the numbers. first they tried to say we were 2 months behind which was not true, then they said its an 'internal document' here we are 4.5 months later and the bank has it on our credit reports and I have all the documents sent to Protective and have contacted the bank and no one can tell me where they numbers come from. This place is a fraud, they had all the documents they needed and took months to get a payment out, in which time the bank wanted to turn the balance into a persona loan for literally 10X the interest. Do NOT purchase anything from this company.

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Ht Robinson
, US
Mar 09, 2016 9:52 am EST

They continually request the same forms. They'll tell you they have everything and it will be twenty days. You'll follow up with them so they can tell you that something is wrong and they need another document or they can't read something... You ask if anyone planned on contacting you and they just get silent. The biggest scam out there. Didn't realize they were not regulated by the Department of Insurance. Do not buy Gap Insurance unless you just have money to give away. They even play the I'll transfer you to someone then they'll leave you on hold until you decide to hang up. Once I was left on hold for 30 minutes...

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12:00 pm EDT
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Protective Asset Protection service contract failure

The products that Protective Asset Protection sell is a complete scam. I purchased a service contract for a vehicle that had 50, 000 miles on the clock and the motor went out. I had references from 5 Certified Ford expert mechanics who said the motor had failed internally. I had submitted this to Protective Asset Protection and they refused to put a new engine in my truck. They are only out to collect the money we all willingly give to them. This company is nothing but a scam when it comes down to the people who purchase their products need it. My problem comes to the sum of $8, 000 in a new engine that they refuse to replace.

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a_smithy
Lancaster, US
Aug 19, 2014 10:01 pm EDT

Hi there...I am wondering, did they offer to replace with a used engine and you wanted new? Or they refused replacement altogether...I am wondering because I am closing on a loan for a car in a few days and they are trying to sell me this service, and want to know what I'm getting into...I am considering not buying now.

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Overview of Protective Asset Protection complaint handling

Protective Asset Protection reviews first appeared on Complaints Board on Aug 3, 2009. The latest review Auto powertrain warranty was posted on Feb 2, 2024. The latest complaint Fraud.Scam. Con was resolved on Jul 17, 2010. Protective Asset Protection has an average consumer rating of 1 stars from 22 reviews. Protective Asset Protection has resolved 2 complaints.
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  1. Protective Asset Protection contacts

  2. Protective Asset Protection phone numbers
    +1 (866) 493-0184
    +1 (866) 493-0184
    Click up if you have successfully reached Protective Asset Protection by calling +1 (866) 493-0184 phone number 0 0 users reported that they have successfully reached Protective Asset Protection by calling +1 (866) 493-0184 phone number Click down if you have unsuccessfully reached Protective Asset Protection by calling +1 (866) 493-0184 phone number 0 0 users reported that they have UNsuccessfully reached Protective Asset Protection by calling +1 (866) 493-0184 phone number
    +1 (800) 950-6060
    +1 (800) 950-6060
    Click up if you have successfully reached Protective Asset Protection by calling +1 (800) 950-6060 phone number 0 0 users reported that they have successfully reached Protective Asset Protection by calling +1 (800) 950-6060 phone number Click down if you have unsuccessfully reached Protective Asset Protection by calling +1 (800) 950-6060 phone number 0 0 users reported that they have UNsuccessfully reached Protective Asset Protection by calling +1 (800) 950-6060 phone number
  3. Protective Asset Protection address
    14755 North Outer Forty Drive, Suite 400, St. Louis, Missouri, 63017, United States
  4. Protective Asset Protection social media
Protective Asset Protection Category
Protective Asset Protection is ranked 363 among 462 companies in the Insurance Services category

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