AUL Corp vs Everything Breaks

Founded in 1990, AUL built their reputation as a dealership-based vehicle service contract provider before being acquired by Protective Life Insurance Company in 2022. Today, AUL-branded contracts are administered through Protective Asset Protection and remain available exclusively through franchised and independent dealerships. This means consumers cannot buy plans directly online, and pricing depends on the selling dealer, vehicle, coverage tier, deductible, and any dealership markup. AUL’s biggest strength is the breadth of their coverage lineup. Their catalog includes powertrain, stated-component, wrap, exclusionary, lifetime, hybrid, and EV, and technology-focused plans. Some products also offer Any Year Any Mileage eligibility, while most plans begin on the day of purchase with no standard waiting period. Benefits may include roadside assistance, rental reimbursement, trip interruption coverage, transferable contracts, online claims submission, and same-day claims payment on approved repairs. However, customer feedback is mixed, with concerns around claim denials, inspection delays, rental reimbursement limits, cancellation complexity, and pricing transparency. AUL may appeal to dealership buyers who want broad coverage options, but reviewing the contract carefully before signing is essential.

Everything Breaks is a Dallas, Texas-based vehicle service contract provider founded in 2014. They offer a range of protection plans designed to help drivers manage the cost of unexpected vehicle repairs after factory warranty coverage expires. Unlike many competitors that focus on long-term agreements, they are known for their renewable month-to-month coverage model, giving customers an alternative approach to vehicle protection. Their lineup includes five coverage levels, ranging from basic powertrain protection to exclusionary coverage that protects most mechanical and electrical components unless specifically excluded in the contract. Additional benefits may include roadside assistance, rental car reimbursement, trip interruption coverage, and access to licensed repair facilities. The provider also makes sample contracts publicly available, allowing prospective customers to review coverage terms, exclusions, and contract requirements before purchasing a plan. Everything Breaks is accredited by the Better Business Bureau and holds an A+ BBB rating. Customer feedback across platforms such as BBB, Trustpilot, and Yelp presents a mixed picture, with reviewers praising helpful customer service representatives while others report concerns related to claims handling, communication, billing, and cancellations. This combination of flexible coverage options, contract transparency, and varied customer experiences makes the provider worth a closer look before making a coverage decision.