My claim got rejected because my car had a branded title, and I hadn't paid the excess fee to Carshield for that. When I bought the vehicle, I specifically inquired about its title, assuming that a clear title meant the car was clean. It was a shock to learn from an American Auto Shield representative that a clear title doesn't guarantee a clean history, and that my car had been in an accident. I questioned why Carshield hadn't checked this before making the contract with me. Their representative admitted they only recently started checking CARFAX reports before agreeing to contracts, implying they wouldn't have checked if not for my situation. The representative tried to deny that my situation prompted this change, but I could sense otherwise. I'm glad my case prompted them to start checking CARFAX reports, but it's unfair that my claim was denied due to something they could have prevented by obtaining the right information before signing the contract.