I've made 9 monthly payments. I noticed an oil leak in the garage, so took it to a repair shop. Was told it was leaking from the lower crankcase and would cost $4,000+/-. They called CarShield and was told it wasn't covered!!! Also a couple of weeks ago, the car was overheating. The belt between the water pump and radiator broke. Yep...CarShield denied coverage!!! WHY AM I PAYING $129.99/MO FOR SUCH A *** EXTENDED WARRANTY??? I cancelled the contract and asked for the 9 months of "SORRY WE DON'T COVER THAT" warranty. I also am reporting them to BBB. User's recommendation: DO NOT BUY ANYTHING FROM CARSHIELD!!!