The short answer
The registry records CarShield Vehicle Service Contract (Extended Auto Warranty) as a possible interpretation of CARSHIELD* AUTO PROT. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of CARSHIELD* AUTO PROT mean?
- CARSHIELD * AUTO PROT
- Before the asterisk, "CARSHIELD" usually names the platform or parent company. After it, "AUTO PROT" usually names the product, store or order. How descriptors work →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: A line item showing CARSHIELD* AUTO PROT on your bank or credit card statement indicates a recurring monthly payment for a CarShield Vehicle Service Contract (Extended Auto Warranty). CarShield markets these vehicle protection plans directly to consumers to cover mechanical breakdown expenses, while American Auto Shield / CarShield handles the formal contract administration and claims processing. The charge is not an auto insurance policy. Instead, it pays for an aftermarket service plan designed to pay repair shops for covered engine, transmission, air conditioning, and electrical repairs after a manufacturer warranty expires.
Unreviewed registry note: This charge most commonly appears after someone enrolls by phone or online in response to promotional mailers warning about vehicle coverage expiration. Plans are structured as month-to-month commitments that renew automatically until you explicitly call to stop them. Recurring fees generally range from $99 to $179 or more each month, making charges like $129.99 typical. If you recently purchased a used car or spoke with a representative about mechanical coverage, your card details were likely placed on an automatic recurring debit schedule.
Common reasons for this charge
- Unreviewed registry note: A monthly installment payment for an active vehicle service contract.
- Unreviewed registry note: An ongoing auto-debit renewing month-to-month breakdown coverage.
- Unreviewed registry note: A phone solicitation enrollment after a vehicle manufacturer warranty expiration notice.
Dispute Rights & Fraud Prevention
How do I report an unrecognized CarShield charge?
Unreviewed registry note: Call CarShield at 1-800-587-4162 or dispute the charge directly through your card issuer.
Independent reference — not affiliated with American Auto Shield / CarShield. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- CarShield Sample Contracts & Disclosures https://carshield.com
- FTC: Auto Service Contracts and Warranties Guidance https://consumer.ftc.gov
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