Extremely Disappointed!
I am extremely disappointed with my experience with American Dream and MotoAssure regarding a recent claim.
When I filed my claim, the first thing they requested was two years of maintenance history. I promptly provided a Carfax report showing my vehicle's maintenance records. I was then informed that Carfax was not acceptable and that they would only accept paid receipts.
I contacted both my dealership and oil change providers and gathered the requested receipts, which documented regular maintenance, including oil changes approximately every three months. I submitted everything they requested.
Throughout the process, I never received any email confirmation that my claim had been filed. The only way to communicate regarding the claim was by phone. After their review, I was given only a verbal denial. I never received a written explanation, email, or formal denial letter.
When I asked why my claim was denied, I was told it was due to "lack of maintenance." However, when I asked specifically what maintenance was allegedly missing, no one could provide a clear answer. I was simply told the decision was based on their findings.
I also asked whether there was an appeal process and was told there was none. To date, I have received no written documentation explaining the denial, despite repeatedly requesting clarification.
Ironically, while I have not received any written communication regarding my claim, I continue to receive frequent emails and automated calls encouraging me to renew my coverage.
Based on my experience, I strongly encourage consumers to carefully review the claims process, maintenance requirements, and appeal rights before purchasing coverage. Better yet, save yourself the frustration and consider taking your business elsewhere.
9. April 2026
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