Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
American Dream Auto Protect: the published terms, field by field
Every scored field for American Dream Auto Protect as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-16
Company site: https://americandreamautoprotect.com/
The printed terms
Role, as the company describes itselfdirectsource: https://americandreamautoprotect.com/faq
Legal entityAmerican Dream Auto Protect Inc.source: https://americandreamautoprotect.com/
Headquartersnot published
Money-back period30 dayssource: https://americandreamautoprotect.com/faq
Waiting period30 days and 1,000 milessource: https://americandreamautoprotect.com/faq
Lowest deductible printednot published
Deductible options printednot published
$0 deductible optionNo (not found on the pages read)source: not recorded in the provider file
Sample contract online, no contact details askedNo (not found on the pages read)source: not recorded in the provider file
Price online without a phone callNo (not found on the pages read)source: https://americandreamautoprotect.com/free-quote
Deductible and waiting period both printedNo (not found on the pages read)source: not recorded in the provider file
Vehicle age limit at purchase20 model yearssource: https://americandreamautoprotect.com/protection-plans
Mileage limit at purchase200,000 milessource: https://americandreamautoprotect.com/protection-plans
Accepts vehicles past 100,000 milesYessource: https://americandreamautoprotect.com/faq
Transferable to a new ownerYessource: https://americandreamautoprotect.com/faq
Refund of unused share after coverage startsnot published
Sold in CA, NY, WA, MA, FLnot published
States excludednot published
Texas rosterSelling name not found on the rostersource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterSelling name not found on the rostersource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterSelling name not found on the rostersource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterSelling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://americandreamautoprotect.com/
Obligor namedNot named on the pages readsource: not recorded in the provider file
Backing insurer namednot published
Founding year on its own sitenot published
Government actions, last five years1 on .gov pages
- 2026-02-04 Florida Office of Insurance Regulation Consent order (case 401058-25-CO) after a market conduct investigation found the company sold motor vehicle service agreements in Florida without a license, ordering it to cease Florida business while still servicing in-force contracts, allowing refunds and paying claims.source: https://floir.gov/home/2026/02/17/commissioner-mike-yaworsky-cracks-down-on-company-operating-without-a-required-license-and-warns-consumers-of-unlicensed-activity
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 0 of 15 |
| A | Price online without a call | 0 of 10 |
| A | Deductible and waiting period printed | 0 of 5 |
| B | Money-back period | 12 of 12 |
| B | Waiting period | 8 of 8 |
| B | Transferable | 5 of 5 |
| B | $0 deductible option | 0 of 5 |
| B | Refund of unused share | 0 of 5 |
| C | State rosters (0 of 4) | 0 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 0 of 8 |
| D | Government actions, five years | 5 of 10 |
A transparency 0 + B terms 25 + C standing 5 + D record 5 = 35 of 100 35 / 20 = 1.8 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.