American Auto Shield

American Auto Shield

Vehicle service contracts administrator & insurer

Overview

American Auto Shield provides vehicle service contracts that help car owners cover repair costs after the original warranty expires. It uses a subscription model where customers pay regular fees for coverage, and the company handles claims, verifies issues, and pays the repair shop directly. It competes in the third-party auto warranty market with nationwide coverage and centralized claim management, though it faces mixed customer feedback and complaints about denials and service. Its goal is to reduce the financial risk of unexpected car repairs by offering contract-based protection beyond the manufacturer’s warranty.

About American Auto Shield

Simplify's Rating
Why American Auto Shield is rated
C-
Rated C on Competitive Edge
Rated C on Growth Potential
Rated D+ on Differentiation

Industries

Automotive & Transportation

Financial Services

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Lakewood, Colorado

Founded

2002

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Simplify's Take

What believers are saying

  • CarShield announced the integration on August 4, 2026, promising faster claims decisions.
  • Existing contracts remain unchanged, preserving revenue while operations consolidate under one roof.
  • CarShield says the combined organization improves technology, accountability, and customer service.

What critics are saying

  • FTC charges produced a $10 million settlement and $9.6 million refunds by 2025.
  • BBB logged 2,515 CarShield complaints in three years, signaling persistent claim friction.
  • Regulators and plaintiffs force coverage changes or contract unwinding, threatening the model.

What makes American Auto Shield unique

  • CarShield’s 2026 acquisition vertically integrates American Auto Shield’s sales and claims operations.
  • AAS processes claims nationwide with a single administrator, repair network, and payment workflow.
  • The platform has served over 3 million customers and paid over $1 billion.

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Company News

PR Newswire
Aug 4th, 2026
CarShield acquires American Auto Shield to create fully integrated vehicle protection company

CarShield has acquired its primary contract administrator, American Auto Shield, creating a fully integrated vehicle protection company. The acquisition centralises the entire customer lifecycle — from initial sale to claims processing and payment — under one organisation. American Auto Shield will continue operating under its name within the CarShield family. By internalising claims administration, CarShield eliminates the operational gap between sales and service delivery that traditionally exists when using third-party administrators. CarShield CEO Nick Hamilton said the move allows the company to "innovate faster, make better use of data and technology, and continue raising the standard for customer service across the industry." The combined organisations bring 45 years of industry experience, have served over 3 million customers, and paid more than $1 billion in claims. The integration employs 1,500 people across both entities. Existing customer contracts remain unchanged, requiring no action from current policyholders.

Media Matters Inc.
Dec 29th, 2025
People on the Move

People on the move. Kristine Moshonas, associate vice-president of marketing and communications. Kristine Moshonas has joined Fix Network as associate vice-president of marketing and communications for the Canadian market. In her new role, Moshonas will be responsible for leading national marketing and communications efforts, with a focus on strengthening brand presence, building customer loyalty and aligning marketing strategy with the organization's long-term vision for innovation and sustained excellence. Moshonas brings more than 15 years of experience developing and executing integrated marketing and communications strategies across a range of sectors, including automotive, retail, consumer goods and entertainment. Her background includes overseeing cross-functional initiatives designed to support brand growth, audience engagement and cohesive messaging across multiple platforms. At Fix Network, her mandate includes guiding strategic planning, supporting brand consistency and helping position the organization for continued relevance in an evolving Canadian collision repair landscape. The role also encompasses collaboration across departments to ensure marketing and communications efforts support broader organizational priorities. Scott Ashby, senior vice-president of operations. Auto Shield has promoted industry veteran Scott Ashby to senior vice-president of operations as the Oakville-based claims administration services provider expands its footprint across Canada and into emerging U.S. markets. Ashby brings more than 30 years of experience across OEM, warranty and dealer-services environments, with a career spanning both technical and executive leadership roles. He began his career as a Class A licensed technician before moving into senior positions with Hyundai Capital Canada, Toyota Financial Services, Sym-Tech Dealer Services, Safe-Guard Products Canada, Nissan and Ford of Canada. He holds an MBA from Wilfrid Laurier University and a BBA in automotive marketing from Northwood University, combining hands-on technical expertise with formal business training. In his new role, Ashby will serve as the strategic leader responsible for overseeing operations, optimizing claims performance and guiding customer-concierge support. The position emphasizes delivering white-glove service experiences while strengthening organizational performance as the company scales its offerings. Ashby will also lead initiatives focused on leveraging automation and artificial intelligence to enhance customer touch points, improve operational efficiency and support innovation across the claims process. The appointment reflects Auto Shield's focus on operational leadership as it continues to expand in North America. Phillipe-André Bisson, channel marketing lead, paint and collision department. Uni-Select has appointed Philippe-André Bisson as channel marketing lead for its paint and collision department. In the role, Bisson will work closely with Sylvain Seguin, former executive vice-president at Fix Network World and now vice-president of Uni-Select's PBE division. "I'm excited about the opportunity. When Sylvain Seguin left Fix Network, I was hoping I would work with him again one day - and in this new role I will be working very closely with him to bring visibility to the Uni-Select brand," Bisson said. Bisson noted the scope of the new position made the decision clear. "The opportunity to build something new from the ground up is amazing." He added that the role offers the professional challenge he had been seeking. "The opportunities that Uni-Select is offering, and helping Sylvain build out his team were amazing." Remaining in Quebec was also a key consideration. "It was important for me to stay in Quebec, while being challenged with a new position. I wanted an opportunity to bring out my creative side and try something new. Uni-Select saw my experience and has given me a blank page to leave my mark on." Bisson also pointed to shared values as a deciding factor. "The thing that attracted me the most was all of the potential. I value human beings and the way we interact with each other, and the team I am joining matches my values and workstyle."

Yahoo Finance
Jul 21st, 2023
AZ Central names American Auto Shield a top workplace in Arizona for the second consecutive Year

American Auto Shield, a leading administrator of vehicle service contracts, is pleased to announce that they have been recognized as a top workplace in Arizona for the second consecutive year.

PR Newswire
Jun 28th, 2023
American Auto Shield Earns Prestigious Missouri Top Workplaces Award F

A dedicated, experienced, and customer-focused team at American Auto Shield. . “This past year, our highest priority has been to deliver an employee experience that fosters a culture that includes a career pathway for our employees to identify their full potential and roadmap for professional growth,” said Matt Brimhall, Assistant Vice President of Claims

PR Newswire
May 12th, 2023
American Auto Shield Named A Winner Of The 2023 Colorado Top Workplace

The Legal Team at American Auto Shield. . "We are delighted to be named a top place to work in Denver for the second consecutive year,” said Magnolia Madsen, Executive Vice President and General Counsel

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