The short answer
A charge from CARSHIELD* AUTO PROT corresponds to a monthly vehicle service contract (extended auto warranty) payment from American Auto Shield / CarShield.
Why it shows up like this
CarShield markets direct-to-consumer vehicle service contracts covering mechanical breakdowns (engine, transmission, electrical) administered by American Auto Shield.
Descriptors include CARSHIELD* AUTO PROT, CARSHIELD 800-587-4162, or NRRM* CARSHIELD, billing monthly recurring contract payments ($99 to $179+/mo).
Common reasons for this charge
- A monthly installment payment for an active vehicle service contract.
- An ongoing auto-debit renewing month-to-month breakdown coverage.
- A phone solicitation enrollment after a vehicle manufacturer warranty expiration notice.
How to locate the invoice and cancel
- Sign in to CarShield Portal Go to carshield.com and log in to your customer account.
- Review Contract Documents Locate your contract number and administrator details (American Auto Shield).
- Cancel Service Call CarShield customer care at 1-800-587-4162 or submit a written cancellation request with an odometer statement.
Frequently Asked Questions
Is CarShield auto insurance?
No. CarShield sells vehicle service contracts covering mechanical breakdown repairs, not auto liability or collision insurance.
Can I get a refund if I cancel CarShield?
CarShield contracts include a 30-day money-back guarantee with a full refund if no claims have been filed. After 30 days, refunds are calculated on a prorated basis minus an administrative fee.
Dispute Rights & Fraud Prevention
If you did not authorize enrollment in a CarShield contract, report the transaction to your card issuer.
Dispute unauthorized charges with your credit card provider within 60 days under the Fair Credit Billing Act.
How do I report an unrecognized CarShield charge?
Call CarShield at 1-800-587-4162 or dispute the charge directly through your card issuer.
How long does a dispute investigation take?
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with American Auto Shield / CarShield. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- CarShield Sample Contracts & Disclosures https://carshield.com
- FTC: Auto Service Contracts and Warranties Guidance https://consumer.ftc.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges