CarShield Extended Warranty Review
CarShield is a vehicle service contract marketing company headquartered in St. Peters, Missouri. The company markets plans administered by American Auto Shield under the parent entity NRRM LLC. In July 2024, NRRM LLC reached a $10 million settlement with the Federal Trade Commission over allegations that CarShield's advertising overstated the scope of coverage and used misleading celebrity testimonials. The FTC distributed approximately $9.6 million in consumer refunds in December 2025. CarShield's plans are accepted at licensed repair facilities nationwide. The BBB logs several thousand complaints over a three-year period, with recurring themes around claim authorization delays and difficulty canceling contracts. Consumers who purchased before the settlement cutoff may be eligible for FTC refunds through the official FTC refund page.
Regulatory Record
- FTC settlement July 2024: NRRM LLC (CarShield / American Auto Shield) settled Federal Trade Commission charges for $10 million related to deceptive advertising practices. The FTC alleged the company's ads overstated coverage and used misleading celebrity endorsements.
- FTC consumer refunds December 2025: The FTC distributed approximately $9.6 million in refunds to consumers harmed by CarShield's advertising practices.
Common Complaint Themes
- claim denials citing pre-existing conditions
- delays in repair authorization
- difficulty canceling contracts
- refund processing delays
Sources
- FTC settlement July 2024 - $10 million, NRRM LLC (Retrieved: 2026-09-03)
- FTC consumer refunds December 2025 - approximately $9.6 million distributed (Retrieved: 2026-09-03)
Related
Frequently Asked Questions
Is CarShield a legitimate company?
CarShield is a licensed vehicle service contract marketing company operating under parent entity NRRM LLC. It is a real business. In July 2024, NRRM LLC settled FTC charges for $10 million related to deceptive advertising practices. Being a legitimate business and having regulatory findings are not mutually exclusive.
Does CarShield cover repairs at any shop?
CarShield plans state they are accepted at licensed repair facilities nationwide, including both dealerships and independent shops. Always confirm acceptance with the specific shop and your contract terms before scheduling a repair.
How do I cancel a CarShield contract?
Request cancellation in writing to CarShield's customer service address and keep a copy. BBB complaints frequently cite difficulty canceling by phone alone. Written requests create a paper trail for any required refund.
What does the FTC settlement mean for CarShield customers?
The July 2024 FTC settlement required NRRM LLC to pay $10 million. The FTC began distributing approximately $9.6 million in refunds to eligible consumers in December 2025. Check the FTC's official refund portal to see if you qualify.