Is Motoassure BBB Accredited? A Full Review of Plans and Customer Complaints

That sinking feeling when your check engine light flashes is bad enough. The staggering estimate from your mechanic can make it worse. This is the precise moment an extended auto warranty is supposed to shine, transforming a financial crisis into a manageable repair. But the promise only holds if the company behind it is reliable. As you vet providers, you’ve likely come across Motoassure and, wisely, are digging into its reputation. The most critical first step in that process is researching the Motoassure BBB profile.

This article provides an unbiased review of Motoassure, synthesizing its coverage options with a deep analysis of its Better Business Bureau rating and customer feedback. By the end, you’ll have a clear, confident understanding of what Motoassure offers and whether its vehicle service contract is the right shield for your vehicle.

Before analyzing a company’s reputation, you must first understand its product. Motoassure is not an insurer; it’s an administrator of vehicle service contracts, a key distinction that shapes its role in your ownership experience.

Many people use “extended warranty” and “factory warranty” interchangeably, but they are fundamentally different.

• Factory Warranty: Provided by your vehicle’s manufacturer (e.g., Toyota, Ford), this is a guarantee on parts and workmanship for a specific period or mileage. It’s included in the price of a new car.
• Vehicle Service Contract (VSC): This is a separate, optional agreement you purchase to cover repair costs after the factory warranty expires. Motoassure administers these contracts, meaning they manage the claims process, pay repair facilities, and handle customer service.

A VSC is designed to protect you from the high cost of unexpected major mechanical and electrical failures. It’s crucial to remember that these are not maintenance plans; they typically do not cover routine wear-and-tear items like brake pads, oil changes, or tires unless specified.

Motoassure, like most administrators, offers a tiered system of plans to cater to different budgets and coverage needs. While specific names may vary, the structure generally looks like this:

• Exclusionary (Bumper-to-Bumper): This is the most comprehensive option. It covers virtually every component on your vehicle except for a specific “exclusions” list, which usually includes items like glass, interior trim, and wear-and-tear parts.
• Stated-Component: These plans are more common and affordable. They only cover the parts and systems explicitly listed in the contract. This could range from a powertrain-only plan (engine, transmission, drive axles) to a more robust plan that adds coverage for the air conditioning, electrical systems, and fuel system.

Across these plans, Motoassure typically offers features like:

• Choice of repair facility (though often with prior authorization).
• Various deductible options (e.g., $0, $100, $200 per visit).
• 24/7 roadside assistance and rental car reimbursement.
• Transferability, which can increase your car’s resale value.

Understanding these tiers is the first step. The real test, however, lies in how the company performs when you need it most.

A company’s marketing can paint a rosy picture, but its Better Business Bureau profile offers a more grounded, real-world perspective. So, what does the Motoassure BBB investigation reveal?

As of the latest data, Motoassure holds an A+ rating from the Better Business Bureau and is BBB Accredited. This is the highest possible rating and indicates that the BBB believes Motoassure operates in a trustworthy manner and is making a good-faith effort to resolve any consumer complaints.

It’s important to understand what this rating means. The A+ grade is influenced by several factors:

• The number and severity of complaints filed against the business.
• The company’s responsiveness in resolving those complaints.
• The time period in which the business has been operating.
• Transparent business practices.

An A+ rating is a strong positive signal. It suggests a company that engages with the BBB’s dispute resolution process rather than ignoring it.

A high rating doesn’t mean a perfect record. The true value of the BBB profile is in the details of the customer complaints. Analyzing these reveals common pain points. The complaints against Motoassure generally fall into a few key categories:

1. Problems with Product/Service (Claims/Warranty Issues): This is the most significant category. Customers report challenges with the claims process, including denials based on pre-existing conditions, disputes over whether a failure is due to a mechanical breakdown or excluded wear-and-tear, and lengthy approval times.
2. Billing/Collection Issues: Some complaints relate to automatic payments, billing errors, or difficulties understanding the payment schedule.
3. Advertising/Sales Issues: A smaller number of complaints mention that the sales presentation did not fully match the contract’s terms or that certain coverage expectations were not met.

Crucially, the BBB profile shows that Motoassure responds to nearly all complaints. The pattern in the “closed” complaints often shows the company providing a detailed explanation of the contract terms that led to a claim denial or working with the customer to reach a resolution. This active engagement is a primary reason they maintain their A+ rating, but it also highlights where the customer experience can falter.

The BBB provides a structured view, but synthesizing that with broader consumer reviews gives a fuller picture of what it’s like to be a Motoassure customer.

Understanding the Motoassure claims process before you buy is critical. Based on company guidelines and customer reports, the general flow is:

1. Breakdown: Your vehicle suffers a covered failure.
2. Contact Motoassure: You or your chosen repair facility must call Motoassure’s claims department for authorization before any work begins.
3. Inspection and Approval: A Motoassure-approved inspector may be dispatched, or the shop may provide diagnostics. Motoassure then approves or denies the claim based on your contract.
4. Repair and Payment: Once approved, the shop completes the repair. Motoassure pays the shop directly, and you pay your deductible.

Common Pitfalls (Based on Customer Feedback):

• Communication Delays: A recurring theme in negative reviews involves long hold times or waiting for a call back from the claims department, which can delay repairs.
• Pre-Authorization: The absolute requirement to get work pre-authorized is the most common reason for claim denial. Never authorize repairs without first getting a green light from Motoassure.
• Interpretation of “Failure”: A component wearing out (e.g., a water pump with a slow leak) may not be considered a sudden “mechanical failure” and could be denied, leading to customer frustration.

When you look beyond the BBB, the narrative becomes more nuanced. Positive reviews often praise Motoassure for saving customers thousands of dollars on major repairs like engine or transmission replacements, exactly what the service is designed for.

However, the negative critiques consistently circle back to the friction points in the claims process: communication bottlenecks and the stressful gap between a customer’s expectation of coverage and the contract’s legal reality. This is why scrutinizing your contract is non-negotiable.

This also applies if your circumstances change. The process for how to cancel a Motoassure warranty is outlined in your contract. Generally, you can cancel for a pro-rated refund, but there are often specific procedures to follow, and fees may apply. Persistence and following the written instructions are key.

Armed with this knowledge, you can approach your decision with a critical eye.

Your Motoassure contract is the final authority—not the sales brochure. Before you sign, become an expert on your own agreement. Pay close attention to:

• Exclusions: What specific parts and conditions are not covered?
• Waiting Period: Is there a 30-day and/or 1,000-mile wait before coverage begins?
• Vehicle Eligibility: Does the plan have mileage and age caps for your car?
• Maximum Liability: What is the total maximum dollar amount the contract will pay out?

Matching the coverage to your vehicle’s age and mileage is vital. An older, high-mileage car may not qualify for a bumper-to-bumper plan, making a solid stated-component plan a more realistic and cost-effective choice.

Is a Motoassure plan worth the cost? The answer is unique to your financial situation and risk tolerance.

• Get Multiple Quotes: Don’t stop with Motoassure. Researching alternatives to Motoassure extended warranty is essential. Get at least two other quotes from reputable providers to establish a market-rate price for the coverage you need.
• Run the Numbers: Compare the total cost of the contract (including any finance charges) against the potential out-of-pocket cost of a major repair. If the peace of mind is worth the premium, it may be a good investment.

So, is Motoassure legitimate? The evidence suggests yes. Its A+ BBB rating and accreditation status provide a strong foundation of trust, indicating a company that is established and engages with consumer concerns. However, legitimacy doesn’t always equate to a frictionless experience. The consistent thread in customer feedback points to a claims process that requires patience, persistence, and a meticulous understanding of your contract’s fine print.

Your due diligence—starting with the Motoassure BBB profile—is your most powerful tool. Use the information here not to dissuade you, but to empower you. Get a specific quote from Motoassure, read the sample contract thoroughly, and use this knowledge to ask pointed questions about exclusions and the claims process. By doing so, you can decide if Motoassure is the right partner to protect you from the road ahead, fully aware of both its strengths and the areas where extra vigilance is required.