Just curious, has anyone ever had a "CarShield" warranty that actually paid for car repairs?

[ProfessorGAC]

12. It's Effectively Insurance

We've lived in our house since 1987. Never had a claim. So, all the homeowners insurance money was a loss. But, it's stupid to be uninsured. It's just a cost of owning a home. And, if something bad does happen, you're not wiped out.
These car plans are similar. Pay now in case something big goes wrong. But, if nothing big goes wrong, those premiums would probably pay for lesser things. It's a risk tolerance thing.
I don't know how hard or easy it is to work with them. If it's really burdensome, and there are too many "ifs" as to what gers covered & how quickly, that creates some doubt.
There are probably some more on the up & up than others. I never looked into the details.