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FAQ

About

American Dream Auto Protect

American Dream Auto Protect provides extended vehicle service contracts aimed at protecting drivers from unforeseen repair expenses. With a range of customizable plans, they cater to various vehicle types and budgets. Their offerings include 24/7 roadside assistance, rental car reimbursement, and the flexibility to choose your own certified mechanic, all designed to deliver comprehensive protection and peace of mind.

Coverage Plans

Highlights

24/7 Roadside Assistance Included
Trip Interruption Coverage Up to $150/day for 3 days on certain plans
Access to 250,000+ Repair Facilities Nationwide

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Compare Plans from American Dream*

Plan	Coverage	Features
Platinum	Best	Best Coverage plans offer optimal coverage and maximum peace of mind
Gold	Best	Best Coverage plans offer optimal coverage and maximum peace of mind
Silver	Basic Plus	Basic Plus plans cover critical parts and selected adjacent systems

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*Coverage availability is indicative and may vary based on additional factors including but not limited to your car’s make, model, and year.

Optional Add-ons

Tire Repair & Replacement

Provides reimbursement for tire repairs or replacements due to road hazards

Key Fob Replacement

Offers coverage for lost or damaged key fobs

Total Loss Replacement

In the event of an unfortunate incident, they ensure that you're not left without a ride.

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Trip Interruption Coverage

If you experience a breakdown covered by your warranty within the defined coverage area, they'll reimburse you for up to $150 per day for a maximum of three days.

Add-on availability is indicative and may vary based on factors including but not limited to your selected plan as well as you car’s make, model, and year.

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Claims

How to file a Claim

Initial Call – Start your claim by calling customer service at (800)-349-3027 or show your ADAP card to your chosen ASE-Certified repair facility. It’s important to do this before any repairs begin.
Claims Description – Your chosen ASE-certified repair facility must contact the claims department to get pre-authorization before performing any work. This ensures the work is covered under your service contract.
Cost Allocation – Repairs only begin after authorization. American Dream pays the repair shop directly, you are only responsible for your deductible and non-covered costs.
Pick up your repaired car – Once the work is done, collect your car and get back on the road.

Coverage Limits

Mileage & Vehicle Age

American Dream provides coverage for vehicles of up to 12 years of age and 130,000 miles.

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Limit of Liability

Coverage is generally limited to the lesser of (i) the vehicle's actual cash value immediately before the covered loss, or (ii) the maximum aggregate limit that goes alongside the coverage you selected.*

*Limit of Liability is indicative and may vary based on additional factors including but not limited to your car’s make, model, and year. Check your contract for your specific limit of liability terms.

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Pre-Exisiting Conditions

Similar to insurance, vehicle service contracts only cover future mechanical issues — not pre-existing conditions. Securing coverage before problems arise ensures you're protected when it matters most.

Cancelations & Transfer a Plan

Cancelations

You can cancel your plan at any time. If canceled within 30 days, you'll receive a full refund. After 30 days, refunds depend on your payment plan terms.

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Transfer a Plan

Yes, with a small fee depending on the state.

Roadside Assistance

Call (800)-349-3027 for Roadside Assistance.

Included in every plan.

Frequently Asked Questions

Are there waiting periods before coverage starts?

Yes there is a 30-day and 1,000-mile waiting period.

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Can I take my car to any repair shop?

Yes, you can use any ASE-certified repair shop.

Do I have to pay any costs upfront?

No, American Dream Auto Protect pays the dealer or shop directly. Only thing you are responsible for is your deductible.

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Are there mileage or age limits?

Yes, dependant on the policy you select.

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Glossary

Deductible 

The amount customer is responsible for per claim.

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Extended Warranty 

Often used interchangeably with Vehicle Service Contracts (VSCs), extended warranties offer additional coverage for vehicle repairs—usually beyond the duration of the manufacturer's warranty that comes with new vehicle purchases.

Vehicle Service Contract (VSC) 

The contract that covers the cost of repairs and breakdowns.

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Exclusion

Repairs or parts not covered.

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