Draft:CarShield
American vehicle service contract provider
From Wikipedia, the free encyclopedia
CarShield is an American company that markets vehicle service contracts, commonly referred to as extended auto warranties. The company is headquartered in St. Peters, Missouri, and offers plans intended to cover certain vehicle repair costs after manufacturer warranties expire.[1]
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CarShield has been widely advertised in the United States and has been the subject of regulatory scrutiny, including a 2024 settlement with the Federal Trade Commission (FTC) over allegations of deceptive advertising.[2]
History
CarShield was founded in 2005 and expanded through direct-to-consumer marketing, particularly television advertising.
The company became widely known through frequent national commercials and sponsorships, including naming rights to CarShield Field in O'Fallon, Missouri.
Business model
CarShield markets vehicle service contracts that are administered by third-party companies.[1] These contracts are intended to cover certain mechanical failures or repairs, subject to specific terms, conditions, and exclusions.
Customers typically pay a recurring monthly fee. Coverage eligibility and claim approval depend on contract terms, and not all repairs or vehicles qualify.[1]
Advertising and endorsements
CarShield has invested heavily in national television advertising, often during sports programming. Its marketing has featured celebrity endorsers including Ice-T, Chris Berman, and Vivica A. Fox.[2]
Advertising campaigns have also included appearances by media and political figures such as Sean Spicer and Michele Bachmann.[3]
Regulatory action
In July 2024, the Federal Trade Commission (FTC) announced that CarShield had agreed to pay $10 million to resolve allegations of deceptive advertising and telemarketing practices.[1]
According to the FTC, CarShield and related entities made statements suggesting that consumers' vehicles would be broadly protected or that most repairs would be covered, when in practice many claims were denied due to contract limitations.[1]
The FTC also cited concerns about the use of celebrity endorsements that could mislead consumers.[2]
As part of the settlement, CarShield was prohibited from making certain misleading claims about coverage. In 2025, the FTC reported that approximately $9.6 million in refunds had been distributed to about 168,000 consumers.[4]
Reception and criticism
Vehicle service contract providers, including CarShield, have been the subject of consumer complaints and legal scrutiny in the United States. Critics have raised concerns about coverage exclusions, claim denials, and marketing practices.[1]
CarShield has stated that its plans provide value to customers and that coverage decisions are governed by contract terms.