This company is run by crooks!! Less than two years ago I bought a top-tier aftermarket warranty for my car from Empire Auto Protect. At 59,800 miles my car had multiple engine failures, which are all covered under said service warranty. These guys have given me the serious runaround while my car sits in the shop for six weeks. The Voicemail hell, the promise to call back, the lack of reply in email, claiming I don't have a warranty, then saying oh they found it, this has been going on for six weeks. Now they refuse to honor their agreement and abide by the contract. I'm filing a lawsuit, I've contacted BBB, and will continue to post exposing who they really are. Don't be fooled like I was! read more

Don't use this company! It's a fucking joke especially costumer support! nothing but lies and fraud.. avoid using this company at all cost. They won't even let me end my membership. Also have a recording of the agent who lies and lies read more

The worst ever compared. Rude not knowledgeable very very poor customer service most agents don't know their job got my plan mixed up several times. Everyone tells a different story and passes you from one side none knowledgeable person to another. Definitely would not recommend . I would give them zero stars and that would be a compliment!!! . read more

Terrible. Contract had incorrect name, incorrect address and incorrect terms. Asked to cancel within initial 30 days told I did not have a legitimate reason. I don't need reason to cancel. Horrible service read more

0/10 fraudulent, slimly, shady, scam!!! Signing up is rainbows and butterflies saying your covered and getting you signed up as easy as pie. Canceling is another story and apparently even when you cancel on a recorded line they still charge you and don't cancel it just comes form a company called EFS companies. Bank called me and reversed the charge thankfully. Stay far away. read more

Empire Auto Protect - Auto Insurance Near Me - Dover, Delaware

Trying to cancel after only 3 days (I have 30 days to review & cancel) after reading the bad reviews and having difficulty reaching someone to do so. I have emailed, called & Left voice mail. I would be leary of doing business with Empire Auto Protect for such reasons. If they weren't unreachable & unresponsive to cancellations, them I wouldn't be concerned but now I am. read more

STAY AWAY. This outfit is super shady. As soon as payment was made over the phone when signing up for a policy, I received an email that was blocked by Gmail because it came through from an email spoofer. Not from a trusted alias. This made me suspicious. This initial email was supposed to contain an onboarding packet/explanation of coverage, but did not. I attempted to email the (likely fake) email address in the email and never got a response. After reading terrible reviews on the BBB and several other sources, everything in the reviews was lining right up. I had originally spoken with an alleged "Eric" who's caller ID actually showed as a different name. After taking payment, "Eric" was MIA and unable to be reached. Once the red flags were raised, I called to cancel. I was transferred to an extension that did not exist, so I called back. Again I was transferred to an invalid extension. I called a 3rd time and was told that "the department that takes cancellation is likely out to lunch and that is why they didn't pick up"....but, the extension was INVALID, so this was obviously a lie. I was told to call back in an hour. I did, then was told by Customer Service that management was going to reach out to me. Of course, nobody reached out. What I ended up doing was going to my bank and stopping payment and disputing based on being unable to make contact with Empire and cancel for refund, which they had stated was a no questions part of the deal for the first 30 days. The next day, for peace of mind, I called Empire to make sure they would cancel my policy. Immediately upon answering, I was greeted by a very rude and overly patronizing person on the other end of the line. The tone was extremely unprofessional and they did confirm that I had been cancelled already, but it was because I disputed. DO NOT DEAL WITH THESE PEOPLE. If you do, and you are not proactive about taking care of yourself, you will end up getting screwed, just like the hundreds and hundreds of bad reviews everywhere say you will. read more

Liars, Liars, Liars!!!! requested a cancellation and refund hours after my transaction with them. I was ignored. To this day they have not honored their 30 day unconditional cancellation and refund policy and its been more than 3 months since my request. I filed a complaint against Empire Auto Protect for fraudulent and deceptive sales practices and for failing to meet their stated obligations, with my Banks credit card fraud Division and more importantly with the Consumer Financial Protection Bureau (A Government Agency). I won my case against Empire Auto Protect (with my bank)and my funds were returned to me by my bank.Overall it took me 3 months of frustration and aggravation to complete the process. I can't state strongly enough how unsavory representatives of this company are. If you are seriously thinking about doing business with them don't. They will lie to you and then lie about their lies. They will deceive and manipulate you to sign up with them. Their word and their guarantees are worth less then nothing. Forewarned is forearmed! I wish I would had investigated them properly before acting against my own best interests Do not make the same mistake I did. I promise you, you will regret it. read more

All I can say is my experience with this company has been nothing but a nightmare. When you get ready to file a claim they pull out every trick in the book to not have to pay. Stay away from this company. It is not in your best interest. You will end up spending money monthly thinking you are protected and if something happens to your car you will end up paying out of pocket because they will find a reason why the repair is not covered even though it states in the policy it is. Fraudulent and deceptive people. They need to be closed down. Very shady. The companies they work with are just as fraudulent and shady as well. My dealer's choice... Magellan service corporation... They are all in cahoots to take consumers money and NOT PAY CLAIMS. BEWARE!! read more

Went to collect on a claim on my a/c they turn the claim down because my mileage was wrong when got the policy I wrote 105000 miles the mileage was 102000. Since there was a difference in mileage even though it was in there favor they would not pay fore the repair read more

Called 4 times during 30 day period to cancel policy. They said very rudely "we will not cancel policy" they had me in tears I was so angry. Do not do business with this company, they are rude, their policy states they only covered 50% which i was not told, they do bait and switch, they are just a bad company. I sent a complaint to the CA State Insurance Commissioner today. read more

Oh my God, I have been trying to cancel this for days. I signed up not knowing the full details of this company. They say they are a full warranty company but they are not. I can't get anyone on the phone to cancel my contract, they keep saying they will send out a email. Nothing. Now I have to cancel my debit card just to stop them from charging me for something I have been trying to cancel for days. It was also supposed to be $99 per month. just received something from Mepco wanting to charge me $133 per month.... What gives...??? DO NOT SIGN UP!!!!! For real.... This is not a money back guarantee, if you sign up for the $99 bucks... Just consider gone. You will not get your money back. Just cancel your card and move on. read more

I wanted to talk to claims department to figure out why only partial payment of claim with being paid and a gentleman answer the phone and told me the department was at lunch and I should call back in s hour with my old ass. read more

HORRIBLE people, HORRIBLE service! I purchased a 5 year warranty upfront. I never had to file a claim until 3 years into the warranty, but when I called they gave me the run around. First, they could not find my ID, my last name or VIN. The hung up on me! I called back and Richard was the same guy that answered, suddenly found my file. He said they changed software systems, but he found it and told me to have the service shop process the claim. I had a bumper to bumper warranty, which covered everything, 100%, no deductible. I paid for the best warranty because I had a Mercedes Benz and I knew if anything went wrong I was going to need coverage. Salesmen sold me the top coverage. Now, they not only had problems finding my file and giving me the run around, they also denied the simple claim with the repair shop! Note, this was not a major transmission or engine repair, this was only to replace the air pump for the massager front seats. Simple, not a big claim, yet they denied the repair. unbelievable to think there are people that work for crooked companies like this. There are so many good people paying for this insurance and Richard and the people that work at Empire Auto Protect are heartless crooks. RUN AWAY! DON'T WASTE YOUR TIME WITH THESE CROOKS read more

Read this carefully, along with their other reviews. THIS COMPANY IS A SCAM!! After a long conversation with Christian Lucas and taking copious notes, I gave him a down payment and a credit card for monthly payments, with the promise that I had 30 days from that date to review the contract and cancel if I wanted to. Ten days later I received the contract and it was totally different than he told me. He told me $99 for the down payment and monthly payments (24 total), but the contract said $195 for the down payment and $108.54 monthly (25 total). He said my car repairs would be covered 100% "bumper to bumper" with a $100 deductible, except cosmetics, paint, seals, gaskets and tires. When I inquired later, I was told my EV battery would be covered. When I received the contract 10 days later, it said I would get a 50% reimbursement for repairs and there were 26 items listed as not covered, including my EV battery. The "manager" Richard I spoke to that day told me that, if I wasn't happy, I should cancel...so I did and told him to refund my down payment and cancel my credit card. I also sent a letter and email to the company headquarters (no phone number). Less than 30 days after signing up, they charged my credit card for a monthly payment, and I have never received a refund for my down payment. When I spoke with a "manager," he wouldn't give me his name and called me a "F___KING BITCH." (I was not rude!) He said they had received no notification that I had cancelled. I sent another letter to the company and no one has responded. Thirty days later they tried to charge my credit card again, but I had cancelled it. read more

One of the worst companies i have ever seen i had them for a year and 2 months and when i sold my car and i tried to cancel my policy because I don't use the car any more i called them the first agent he was super rude and said can't help you and the second one asked me to pay the monthly payment so he can process the cancellation process read more

SCAM!!! DO NOT PURCHASE ANYTHING FROM EAP! They act friendly and make false claims to get you to purchase their platinum or titanium plan that "covers everything!" once they have your money they are rude, hang up on you, place you on hold indefinitely, change their names and act as though they are someone else! Im in the process of suing them after they blatantly lied on their response to the Better Business Bureau complaint I filed! Do your research and stay away from this company!!! SCAMMERS! Read these reviews!!! read more

Empire Auto Protect is a complete scam! Happy to take my money but denied my legitimate claim when my vehicle suffered catastrophic mechanical damage. I'm now out $15K plus the money I've wasted with Empire. On top of it all they are incredibly nasty. Avoid this company at all costs! read more

This company appears to be like a scammer. They tell you one thing at the initiation processes and then later on you find out it wasn't that at all what they were claiming. At the beginning they kept calling me to sign me up and finally since I was looking for a good warranty company for my BMW 530I, I accept their offer. Then they made me pay $99.00 and I then called to several times to talk to the same salesperson who sold me the so-called warranty, he was nowhere to be found, despite the fact he had told I can call anytime to ask him any questions. Ultimately, after several tries, I was able to talk hold their switch board and talk to them and asked to cancel the policy but the flatly refused and hung on me. I tried several times, but no response at all. Make sure you do not choose this company for you auto warranty, they seem to be scammers read more

I would never recommend this company to anyone. They are a bunch of scammers. I paid $165 a month for my plan and my vehicle needed to go into the shop. Had it towed to the shop had them diagnose it. And waited for empire to confirm there findings. As soon as they confirmed they all of a sudden denied my claim. Mind u my vehicle has been sitting there for 6 months no rental no nothing. And now because they won't honor there part of the contract my vehicle is going to be impounded. They lack customer service, they are rude in the phone. Never call u back when they say they will. And the only good reviews that they have I'm pretty sure are from the ppl that work there. They steal your money so please do not use this company. You will lose more then just money. I lost money and am about to lose my car. read more

Bought a plan, called after a week to cancel it, as i was under 30 day money bck guarantee. Cs askes why i wana cancel it, i stated i dont need it any more, Cs sed not good enough reason, than i stated iam not satisfied with the product. Customer service sed not good enough reason to cancel it. I asked for supervisor he sed iam supervisor. He refused to transfer call to his supervisor. I calles again i guess same person answered it, sed ur plan is canceled, i complaint about previous call ,he sed i dont wana hear it. N block me from calling. Pathetic customer service. read more

If there was an option for 0 stars, that is what I would select. This company is fraudulent and should not even be in business. I was lied to over the phone when I purchased my extended warranty plan and told it would cover 100% of the repairs included in the plan. It was a pretty exhaustive list so it sounded good. Then I read through the little book they send you and that is not the case. So now I want to cancel and I have called 5 different times, been given the run around on how to cancel and denied a refund because it is month to month. They do not care that I was lied to and did not make any attempt to rectify this. DO NOT USE THIS COMPANY! read more

they lied from the first day. the contract was nothing luke they said. cancelled immediately. they continue to contact me and my daughter...even called her and lied and said she signed up again. she did not. i continue to get texts telling me i can still sign up. i block them and they use a different number. yesterday i called to have my information removed...got hung on twice...got rude people 2 more times...then got a supervisor who told me to "get on my knees and put my tongue on my phone". i hung up. be careful if you sign with them. check your credit card. they lie. they make fun of senior citizens. they are terrible. (and they refuse to remove my information. 20 minutes later i got another text. read more

I purchase coverage for my older car. I thought that I was getting the full coverage . Come to find out I was paying 99.95 per month just for a battery replacement. They told me also that I wasn't approved for it because how old my car was. Didn't tell me nothing at all, but kept on taking my money. read more

DO NOT WORK WITH THIS COMPANY!!! Empire Auto Protects covered a previous vehicle I owned. The I was happy with the coverage and decided to get a quote on my new vehicle. The quote came back high, so I decided not to get coverage from them again. They took the banking information they had from my previous vehicle and started charging me for coverage without my permission. I contacted them and told them that this was inappropriate, and that I wanted my money back. They said no. I had to cancel my card and get a new one to keep them from pulling more money out of my account. I Filed a complaint with the Better Business Bureau asking to have this resolved. Empire Auto Protects said they would close my account and refund my money. They never refunded my money. I filed another complaint with the BBB about them never refunding my money and Empire Auto Protects claimed once again they money was sent back to me when it wasn't. The BBB advised me to file a complaint with the Department of Justice to get my money back. I have been fighting with this company for 4 months trying to get my $500 back. They are refusing to talk with me over the phone. read more

i signed up for an extended warranty but when i received the booklet outlining the benefits i found that the salesman outright lied about the coverage. when i confronted them on the phone their representative was very rude. i am trying to get my money back but, to date, no success and no response to a detailed complaint sent to the company. read more

​I strongly advise everyone to STAY AWAY from Empire Auto Protect. This company is an absolute fraud and does not honor their policies. I purchased a plan for peace of mind, but when my vehicle experienced a legitimate mechanical failure, they did everything they could to avoid paying the claim. ​Endless Excuses and Denial ​My car needed a costly repair. I followed their claims process, but the nightmare began as soon as the repair facility submitted the required documentation, including the itemized repair bill. ​On the phone, their representatives were not only unprofessional and had an extremely poor attitude, but they also constantly gave me excuse after excuse. They claimed they couldn't "hear" the details of the repair receipt or that the documentation wasn't formatted exactly how they wanted it--a clear tactic to stall and deny the claim. It's obvious they are intentionally making the process impossible to pressure customers into giving up. A Dishonest and Fraudulent Company ​I believe this company is engaging in fraudulent business practices. They take your money, but when it's time to honor the contract, they use every dirty trick to deny payment. I am out hundreds of dollars for the policy and now have to pay for the full mechanical repair myself. ​Do not waste your money or your time with Empire Auto Protect. They are not a protection company; they are a complete scam designed to collect premiums and never pay claims. You will be better off putting your money in a savings account for repairs than trusting these people. read more

I was called several times from Empire Auto Protect. Eventually I signed on with them late January early February. When courting and begging me to sign on daily. They were quite courteous. I stoned up for I was told was the Platinum plan. This is what I was told and quoted for my 2020 Cadillac Escalade. However, upon encountering an issue with my vehicle in March. I found out that I wasn't covered because they put me on a comprehensive plan. Which I never once discussed with know one. So, when O called I explained the issue with a SUPERVISOR named Shawn. Who sympathized with me and apologetic for them misleading. Assuring me that I'd receive a full refund since that's not what I signed up for. Nor was I ever spoken to about a limited plan without coverages for a vehicle with 80,000 miles. I never received the refund so I started calling daily for Shawn whom I spoken with on March -6, 2026! Well that's when the shenanigans began. From the rudeness threats and being told you're not a customer I'm not transferring you to Shawn. He's out then call back in 20 minutes. Those folks are frauds thugs and wanna be gangsters. One of there customer service reps told me he'd come to Miami and do something to me. I've never encountered such a horrible unprofessional company. They should be shut down!!!!!! read more

Highly fraudulent. I signed up in February. Stated we have 30 days to get a full refund. I called multiple times and even texted a guy named Erik or Jay. He will lie about his name. Never received a refund until the 30th day which they charged me again under a different company billing name called WALCO. Only after I called AGAIN I finally got the initial refund. But guess what I never got refunded the second charge made a month later under WALCO. I then get charged AGAIN in April. When calling to speak with Erik he lied and said his name was Jay like a coward. Then tried making up a whole story as to why it wasn't cancelled. Then threatened me to not refund me because I left them a 1 star review. I have this call recorded on my phone. "You'll have to fight for your money I'm not helping you out." Childish business tactics. The best part is when I initially called back in February to cancel his exact words were "it's only $137 if you want to cancel go ahead and cancel we aren't concern about it." Apparently they are. Stay far away from this company. read more

Telling the truth and not deceiving potential clients into buying policies... I asked for full 100% coverage and was told everything is covered except suspension, by the agent. I got the policy and my coverage was 50% and maximum coverage was $2500 per year...that was the "supreme enhanced" policy... When I confronted them about this, they lied and said I wanted the cheaper policy...then they claim there is a "titanium" policy. It turns out I didn't get the car, that I put on the policy, too many mechanical issues( wiring harness, brake lines, waterpump) And being deceived by the policy, I decided to cancel within 30 days.. I called and asked for a Full refund...the Manager (who said they didn't want my business) said 5-7 days, for refund, and it's now been 8 days Bad sales approach and customer Service.. read more

This company is HORRIBLE. I have tried to cancel for over a month!! I decided after 1 week that I was not going to keep the policy. I have been given the run around and I've been told its cancelled to only find out its not. SCAM!!!! I've had to call the 3rd party MEPCO to have the billing stopped. I have already filed with the BBB trying to get my refund. STAY AWAY!!! read more

DO NOT CALL OR EMAIL THIS COMPANY! I reached out to them over 6-months ago when I was looking into an extended auto warranty. I ultimately didn't use them for various reasons and moved on. This company has made it their mission to call me multiple times a week, as well as, send texts every Friday. I've requested to be removed from their call list multiple times, as well as, contacted the CEO directly. Unfortunately nothing has changed and they continue to call and text regularly. It's truly unfortunate that a company would operate like this. read more

Customer Service Manager Dan went above and beyond to resolve a situation that took some research to completely understand. His communication with me throughout the entire process was very important to me and the quick favorable outcome was due to his understanding and commitment to the customers of Empire. Thank you again Dan for your exceptional assistance. read more

Biggest mistake I ever made buying a $3000 plan from Empire. They are scam artists, they have written their contracts to be able to deny every claim. Do Not Use this company!! read more

I purchased a Car warrenty from a sales guy with the company named Lance I purchased the highest plan for my car he assured my car was cover I been paying them for 8 months then I need service they say I'm not covered the the management was Very rude refused to give me a refund in which they advertised if your are not taken care of you will get a refund. I am without my car right now I feel betrayed hurt and on top of that i trusted them and they let me down at my time of need. I don't recommend anyone to buy a warranty polo from them they are frauds and liars. read more

COMPLETELY UNPROFESSIONAL and UNETHICAL! OK, there are companies that are Sh!tty and then there are companies that are complete Sh!t. Empire Auto Warranty is the latter. I purchased a policy on July 3rd 2025 and was charged $298.00. I was told I would receive a copy of the actual contract within 7 to 10 business days. I was also told if I did not like the policy I could request a full refund within the first 30 days. Side Note - Having the right to a full refund within the first 30 days isn't an Empire thing. It is the law no matter what warranty company you are dealing with. You are entitled to a FULL 100% Refund within the first 30 days. 20 Days later I received a copy of the contract and the coverage went from the Elite Plan to their Essentials Plan. The Elite being their highest level of coverage and their Essentials Plan being their lowest level of coverage. To add insult to injury the rate for the coverage when up as well. I was told that the Elite Plan would cover pretty much everything the original manufacturers warranty covered with the exception of standard maintenance items like brake pads, tires, ect. I was told that the Elite Plan was going to cost me $149.00 per month for 2 years and I would receive an additional 2 years of coverage for free. Pretty good deal right? However, when I received the plan 10 days later then promised I was given the Essentials Plan that pretty much only covers the Engine and the Transmission. That plan was going to cost me $177.09 per month for 2 years. Classic bait and switch. Upon receiving the contract I called into Empire auto protect and was told that the change to that plan was due to the company that actually under writes the warranty. I asked to speak with a manger and after a brief hold I was connected to Zack who was a complete jerk. Zack started to get loud with me and said things like I will cancel the policy right now etc. I didn't want to cancel before having another policy so I told him not to cancel the policy and I would call back. Throughout the next week received a handful of calls from Empire Auto Protect. 2 were to see if I wanted to purchase the policy and another call returning a call I never made to them. After an exhaustive search I found out the AAA actually sells Auto Warranties. Because my wife and I already have their road side assistance with them and have used used them in the past I felt totally comfortable signing up for their auto warranty. I received their highest level of coverage "Platinum" with no obligation for $167.63 per month. As mentioned I can cancel at anytime by giving 48 hours notice. I was also able to download and review a copy of their contract and was able to sign my self up for the coverage via their website. OK - So now that I had coverage I called Empire auto protect to cancel my policy with them. I call and requested too speak with a manager and was transferred to Eric. I explained to Eric what had happened and told him I was canceling the policy and I would expect a full refund to avoid any back and forth. I mentioned to Eric that by law they needed to refund 100% of my money or I would call American Express and claw the money back from them anyway. I then asked Eric to confirm the amount I would refunded and I was told that I would be refunded the full $298.00. Before I could thank Eric and wrap up the call Eric decided he wanted to become a telephone tough guy with me. Eric said "You don't have to threaten me and if you want to threaten me why don't you come to his office in Freehold off of Wyckoff Rd. He didn't give me the full address but OK. At this point I told Eric that he had my home address in Point Pleasant Beach NJ and anytime he wanted he was more then welcome to stop by and see how that would work out for him. I also mentioned he could simply call me from the Point Pleasant Beach Boardwalk, The Boat Yard or any other place he would like in the beach and that I would be more then happy to meet up with him. The actual address is - 145 Wyckoff Rd Ste 105, Eatontown, NJ 07724. if anyone is interested. I don't write reviews I find them suggestive at best but I just need to let folks know what type of company Empire Auto Protect is. They are a joke. To allow their employees to speak to people like that is inconceivable. By simply mentioning I would expect a full refund and that they were obligated by law to do so and if they didn't I would contact American Express and they would make it right anyway Eric went to "If you want to threaten me." All I can say is. Eric you have a lot to learn when it comes to how you carry yourself and how you conduct when it comes to business. Empire Auto Protect - If that was my employee Eric would be looking for another job. Thank you for the bait a switch by the way. That is also against the law. read more

Calif has the harshest rules governing auto protection polices. Empire max is 50% on approved services. better off getting a no interest credit card. read more

THE ABSOLUTE WORST CUSTOMER SERVICE I HAVE EVER RECEIVED IN MY ENTIRE EXPERIENCE WITH AUTO. I was initially given a quote then the price increased prior to my policy taking effect. I called to let them know I'd have to hold off on the warranty at this time and cancel. Clifford was extremely rude. He refuses to help. He refuses send me to a manager to help. He provided no reason why I couldn't cancel and I have been hung up on three times without having gotten angry. For obvious reasons, I am angry now. to be stuck in a policy when the site advertises cancelation at any time is false advertising. read more

Terrible customer service. Called to cancel my plan. Was told it was illegal to cancel in the first 90 days. When I challenged that, the guy started to become aggressive. I asked to speak to someone else. He said he was the general manager. I was blown away that a manager would talk to customers that way. The call ended with him telling me I was cheap and hung up on me!!!! My husband called back, that rep canceled the plan immediately with no issues. read more

First they ask you for vin number on car and then payment through the phone and sending the doc package in 30 days that does sound scam and they are not really like a trusted company it's very catchy please be careful who you give your info read more