If you're trying to make a decision this is the review DO NOT USE THEY DENY BASED ON WEAR AND TEAR WITHOUT INSPECTION If you're looking for a review to lean either way this is the one I would have hoped to have found before going with their "service." I took my car in for repair as there was a clunking noise. Turns out that the engine mounts failed and some bushings. I have the exclusionary policy such that these items are covered. They first attempted to dishonor their contract stating that the items on the work order weren't covered even though they never asked for any parts numbers. So then when I spoke to them and went through the contract with them on the phone and showed them that it was covered.... they changed their reasoning not to cover it because they said it was a wear and tear issue. I spoke with the mechanic and took it to a second mechanic as well and they both assured me wear and tear was not an issue and that wear and tear happens the second automobile leaves the dealership and that they had "collapsed and failed" and wear and tear is not a legitimate form of denial with regards to used vehicles of course. When I expressed this to them and offered that they send out their own third party inspection, something they should do not myself, they said that not all used cars have wear and tear🙄 and denied sending a third party inspection. So the only people denying it's condition are the only people who haven't seen it physically and are unwilling to look.... All of which takes place without any documentation and only limited emails without any professional context. Every time I spoke with them and ask them to send me over information or documents of the denial or even the claim itself. They said the rudimentary emails I sent out in contact for the claim and the denials were those documents and would never send any documentation (not keeping records of legitimate claims and denials is fraudulent.) Then wouldn't answer my phone calls because they would never send me any of the information I asked for. I've had to contact their state and file appropriate complaints as part of the first steps of litigation including fraud as they have absolutely no documentation nor follow the proper checks and balances to come to their "conclusion." As for the cherry on top: they're holding my repair hostage as I cannot repair the car until they've denied third party inspection which they will not go on record doing. Another one of the many emails they failed to send. Very unprofessional and unorganized.

Super Fast and Easy Claims Process My first claim arose about 2 months after purchasing my policy. The claims team was more on top of it and responsive than the repair shop. The claim was approved in minutes and the dealer told me it was the easiest claim he had ever processed through a third party company.

JEFFRY IS AWSOME Jeffrey from Empire is a man of great integrity. He will deliver what he promised.Hard to find someone like him in any industry.

Micheal was super helpful Micheal was super helpful, and Jeff in billing was great, great company doing good things

SCAM SCAM SCAM!! SCAM SCAM SCAM!!! If you have a non basic car/truck parts will not be covered. Both claims I am were denied because they did want to pay for the parts my Chevy Tahoe needed. If you buy this auto protection you will be upset. They say I didn’t reach 1000 miles. When in fact I did. Also tried getting my suspension cover and they don’t cover that