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National Auto Care Consumer Reviews

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Pinnacle Coverage Warranty
StarStarStarStarStarBy -
Rating: 5/51

WESTERVILLE, OHIO -- I've been meaning to write a review for these guys the last couple of months. I NEVER buy extended warranties. I've always thought they were a rip-off, and had I read the other reviews on this company first I wouldn't have. I'm so glad I didn't!! I bought a 2013 Ford Explorer 2 years ago with less than 30K miles on it. The dealership wasn't an official Ford dealer and I got a great deal, so I splurged and added the top warranty for like $2100. I drive for a living so after 1.5 years I was up to nearly 60K miles and suddenly I was getting a terrible vibration whenever I went over 40MPH. We thought it was a balance issue, but after a couple of days at the Ford dealership they said it was the transmission! I panicked, but then remembered I had the warranty. I called, put in the claim, and let Ford and NAC work out the details.

A day after I put in the claim the service manager at Ford calls me and asks, “Where did you purchase this warranty? Most of them try to make us use old parts and nickel and dime us. Yours just told us to put in a brand new transmission instead of trying to fix it!” So a week later, I got my truck back with a $0 balance on a $5500 bill, plus they mailed me a reimbursement check for the rental car I used that week!

Then just last month we were driving in Florida on our way back from a cruise and the AC went out. It was a miserable 8 hour drive to Atlanta, but when we returned I went to the dealer, learned it was the compressor, and they gave me a quote for nearly $800. Once again called NAC, filed a claim, and 2 days later I received my truck back but this time had a $39 balance for some reason, but I wasn't complaining! Then a couple of weeks later got a check back for the rental car. I know every company has its problems and I don't doubt all the reviews on here. But seriously, my experience has been nothing short of excellent!

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They Say You Can TRANSFER the Policy to a Buyer of Your Vehicle but They Denied My Buyers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

First of all to preface this, National Auto Care policies can only be sold by Dealers. Dealers will try to sell these policies for more commissions (National Auto Care knows this). Dealers will DEFINITELY tell you that the policy can be transferred to a buyer (should you sell your vehicle) and you will make more money on your sale. Their policy says you can transfer it. I was DUMB enough to buy their 6 year 75,000 PINNACLE PLAN ($5000).

I have always gotten all maintenance done on my vehicle per guidelines. I have had no problems with their claims and I WAS going to try to buy their policy again with my next vehicle (shortly)... no kidding. So I advertise my vehicle for sale and boast about how the policy can be transferred to the buyer for $40 (has $0 deductible and good for 59,000 more miles or until 2021. I had a buyer for my vehicle that drove far to get here and I gave him all my paperwork on work done which also included this policy. I don't try to mislead people. The potential buyers call National Auto Care and they said they will not allow a transfer because they are trying to weed out vehicles that are costing them money.

After the buyer told me this, and I called National Auto Care, I apologized profusely and I was also embarrassed besides feeling angry and ripped off. Of course now the buyer wants to pay far less for my car and I'm not doing that (deal is dead)... thanks National Auto Care! After reading the VERY GRAY language buried in the Transfer paragraph, that's their slimy out - which they planned to do from the get go!

On the phone call to National Auto Care, I asked them why didn't I get a letter saying you dropped my vehicle from being able to be transferred... my address is still the same. They had no answer. I do, they do this to most if not all policies and they don't want the word getting out. WELL, THE WORD IS OUT! I've heard USAA has good reviews and has short term policies that you have an option to renew. Thanks for your time, I have to go to post this EVERYWHERE I can (my small print for them)... if I can save 1 person from this deception, I will be happy!

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Pure Hell
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WESTERVILLE, OHIO -- I purchased a car at the end of April 2017 from a local dealership. I have been satisfied with them! It is this warranty company that has made me feel like a fool and blatantly disregarded my gender as not knowing anything! On a recent trip over 90 miles away, my car had flashed the service engine soon light. I proceeded to continue to my destination and not one but two lights joined the service engine soon light. It was the tire light and reduce engine power light. It was like a Christmas Tree!

I immediately got to the shoulder and turned off my car. Looked online to find what it all meant and found out my Stability Trak was going out. I had my car towed to avoid any further damage to find out the warranty would not cover the parts. I called National Auto Care directly and the Customer Service Rep Tim, proceeded to explain that if it is not listed they cannot do anything! I asked to speak to his supervisor and then chuckled under his breath to say, "What will she do?" He then stated he couldn't see her at her desk and would put me thru to her voicemail.

Well, this went downhill even farther when I heard him say to her, "DO NOT ANSWER THIS ** CALL." I thought, well he hasn't seen anything until now!!! I said, "Tim you really made a HUGE mistake for saying this" and maybe Customer Service Training would be the best thing for him since he obviously has no skills! He then says, "We have a protocol for you people and I would need to discuss this with her first." Which to me was, his way of just making her stay on the same page as him. I told him, then he should have stated that in the first place! His answer to me was, "All you women are the same and don't know what you are talking about!"

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Warranty Looks Good, but Covers Nothing
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OHIO -- I bought this warranty under the advice of my Credit Union and thought I'd upgrade to their premier "Platinum Protection Plan" to cover everything but, of course, what you need isn't covered. The contract names several detailed components that are excluded, but unless you're a mechanic??? When I called customer service to see what the special exceptions of my Platinum Plan were (since they're not listed under my plan), the representative started rambling off a list of components, oh my God!

I asked if the website listed them and all she could tell me was that these are part of an exclusionary list and the plan would pay for anything not on that list (isn't that how all of the plans should work? Why am I paying more?). Alas my simple coolant thermostat isn't covered (by the way, my dealership mechanic says he's never heard of this being excluded). DON'T BUY ANY OF THEIR COVERAGE PACKAGES, please research and pay the extra $$ for a decent warranty...you get what you pay for! I'll be calling my Credit Union next and telling them shame-shame-shame for recommending this company to their loyal members.

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Insurance Policy-Pinnacle Plan
StarStarEmpty StarEmpty StarEmpty StarBy -
Rating: 2/51

43082, OHIO -- I bought National Auto Care's Pinnacle plan. Fortunately, my car has been issue free for quite a while but recently I needed some work done on the front end of my car. The left strut and suspension bar (I'm not positive these are the exact technical terms) were broken. This was an issue which the pinnacle plan covered. My mechanic also needed to replace the strut on the right side of the car to allow the car to sit levelly and would not be able to do a one-sided fix. Since the right half was not physically broken it was not covered though it was required for the car to function properly.

In the end, I had to pay for half of the repair because unfortunately the right side was not damaged and if it had been my total expense would have been my deductible. My advice for someone in a similar situation is to make sure your car is damaged bilaterally before trying to file a claim with National Auto Care.

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GAP Claims
StarStarStarStarStarBy -
Rating: 5/51

MEMPHIS, TENNESSEE -- First off, this is my first time ever having a total loss on my vehicle, so I was very unsure of the process. I bought this product through Nissan when I originally purchased my car. After my car was deemed a total loss, I called National Auto Care to file my GAP claim, and they quickly provided me the long (way too long) list of documents I would need to provide in order to process the claim. At this point, I read a bunch of terrible reviews online about how other's claims were never paid, so I was quickly becoming discouraged.

As I was collecting each document, I made sure to scan and email the pdf's, as well as upload them on their portal so there would be no opportunity for documents to be lost. My main hold up on this entire thing, was how long it took for my financing company to provide me the documents I needed. However, they do automatically mail these items out to National for the GAP claim, but I was not patient enough to wait all the business days that it would take.

Long story short, and why I felt the need to leave a review, is that as soon as National Auto Care received all of their required documents they needed to process my claim, they paid my vehicle balance off within 5 days, and quickly sent me a refund check for the amount that I had overpaid. Typically people only leave bad reviews because they're upset about the process, but I needed to share some good as well.

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Head Gasket
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

Purchased my car a year ago. Notice that fluids was running out of my car. I took it to my mechanic. Come to find out that the engine over heated. Called that National and they told me they will only speak to the mechanic and not me. A month has passed. They gave my mechanic the runaround and finally determine that my car overheated due to negligence on my end and will not cover it. I am not a new driver and this is not my 1st car. I had my mechanic for years and as soon as a notice anything I run to him.

My mechanic informed me that they had him jumping through hoops and calling back and forth. He told me to take them to court. He said he provided him with everything they ask of him only to still deny the claim. This place should be out of business but with sleazy company like that they will only continue business with a different name. It should be a law to protect people from insurance company.

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Cancellation
StarStarEmpty StarEmpty StarEmpty StarBy -
Rating: 2/51

BOSTON, MASSACHUSETTS -- I have requested cancellation for Gap insurance/tire & wheel insurance days after purchasing my car. I have been back and forth with between Boch Toyota South, Attleboro MA and NAC. Back in Feb 2014, when I purchased the car; I was offered warranties TOTALING $5,000. I wanted to cancel two of the extended warranties.

After many trips to Attleboro, the finance director signed the cancellations and promised a full refund. Then I contacted Chase Auto Finance, in turn refused to give any confirmation. I contacted National Auto Care to confirm; they told me cancellation request was expired over 90 days. I sent proof of the certified mail dated March 10, ten days after PURCHASED; the dealer's signature. THE CANCELLATION SPECIALIST Stephanie ** would not answer my calls and emails. Frustrated, I called and said wanted to call ATTORNEY GENERAL. Weeks later, she sent an email that her manager wanted proof of the dealer's signature.

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Claim Denial -- Pre-Existing Condition!!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WESTERVILLE, OHIO -- Purchased the policy through the credit union for a car that has over 95,000 miles. Purchased on 10/30/17. I had an oil leak problem on 11/6/17. Company refused the repair stating it was impossible to have gotten such a problem in 7 days. And would not cover the repair as it was a pre-existing condition!!! Asked for a review of the claim (sounded like the same representative handled the call) and was asked to provide service record from the entire time I owned the car. All of that was given to them by the dealer and this is the only place the car has been taken since purchased. I opted to cancel the policy and pay out of pocket. Do not purchase this warranty!!! if you are serious about your car repairs. Keep all service records!!!

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Claim Denial of Warranty Repairs
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NEW BRAUNFELS, TEXAS -- I never buy extended warranties, but the representative at Randolph Brooks Credit Union in New Braunfels, Texas, discussed how he had purchased a Ford F-150 just like mine, but one year newer. He said he purchased the Gold Coverage for his vehicle and the backup camera stopped functioning. He stated the cost for the repair of the new camera at the dealership in New Braunfels was $1500.00 and National Auto Care warranty covered the entire amount.

Based on his representation, I bought the policy. The cost for my National Auto Care warranty was $1778.00. Yesterday, I had my F-150 brought in to a repair shop recommended by National Auto Care. The two items needing repaired were the A/C Control Unit and the Backup camera. National Auto Care verbally denied both claims based on the fact that those two parts are not specifically listed in the warranty as a covered item. The policy discusses covering the A/C system but the control unit is not a listed part and therefore they will not cover it.

I have made repeated request to Ryan ** at ** to please give me a written denial but have not received a reply as to the writing of this statement. Based on my experience with National Auto Care warranty company I would advise you to not do business with the company. I would also advise not to solely trust the opinion of the individual attempting to sell you the policy because they make a profit off of selling these policies. The Randolph Brooks representative I spoke to yesterday said they make very little off these policies and sell them as a service to their customers.

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National Auto Care Rating:
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1.6 out of 5, based on 16 ratings and
18 reviews & complaints.
Contact Information:
National Auto Care
440 Polaris Parkway, Suite 250
Westerville, OH 43082
800-548-1875 (ph)
www.nationalautocare.com
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