CarGuard Lawsuit 2026, No Active Settlement Yet – What TCPA Victims Need to Know About Robocall Claims
The CarGuard lawsuit involves multiple legal cases alleging Telephone Consumer Protection Act violations through unauthorized robocalls promoting vehicle warranties, but as of February 2026, no active class action settlement is accepting claims. While earlier cases reached tentative settlements or were dismissed, affected consumers may still pursue individual TCPA claims for potential compensation of $500 to $1,500 per illegal call.
What is the CarGuard Lawsuit About?
The CarGuard litigation centers on allegations that CarGuard Administration, Inc., a Kansas-based vehicle service contract provider, violated federal telemarketing laws. According to court filings, consumers claim they received automated robocalls promoting extended car warranties without their consent.
These calls allegedly used predictive dialing technology that violated the Telephone Consumer Protection Act. The TCPA prohibits companies from using automated systems to call cell phones for marketing purposes without prior written consent from the recipient.
Court documents reveal that many consumers received multiple calls even after registering their numbers on the National Do Not Call Registry. Plaintiffs argue CarGuard’s third-party marketing vendors made these illegal calls to generate vehicle service contract sales.
CarGuard Lawsuit History and Case Status
The first major CarGuard class action was filed in April 2020 in Massachusetts federal court. Plaintiffs Joseph Barrett and Matthew Silverman named CarGuard Administration, Vehicle Protection Specialists LLC, and AutoProtecht LLC as defendants in their TCPA complaint.
This case reached a tentative settlement in June 2020 and was subsequently dismissed. However, no public settlement website was established, and no claims administrator distributed payments to class members based on available court records.
In August 2022, a Pennsylvania federal court dismissed the Baccari v. CarGuard case. The court ruled that CarGuard couldn’t be held liable because the company had contractually prohibited its marketing partners from making robocalls and was unaware of third-party vendors’ violations.
The Fleming v. CarGuard case filed in Virginia federal court in 2024 faced similar dismissal. Courts found CarGuard took reasonable steps to prevent TCPA violations by explicitly forbidding automated calling in vendor contracts.
As of February 2026, the NCWC Inc. v. CarGuard case remains active in Arizona federal court, though it focuses on business competition claims rather than consumer TCPA violations.
Why There’s No CarGuard Settlement Website Yet
Despite multiple lawsuits, no approved CarGuard class action settlement currently exists. This means there is no official settlement website, no claims administrator accepting forms, and no deadline for consumers to file settlement claims.
According to legal news sources, settlement discussions may be ongoing in mediation behind the scenes. However, until a court approves a formal settlement agreement, affected consumers cannot file claims through a class action process.
The absence of an active settlement doesn’t mean victims have no options. Consumers who received illegal CarGuard robocalls can still pursue individual TCPA lawsuits within the statute of limitations period.
Who Could Be Eligible If a Settlement Is Approved?
If CarGuard eventually reaches a class action settlement, eligibility would likely include consumers who meet specific criteria. Understanding these potential requirements helps you determine if you might qualify for future compensation.
You probably received CarGuard robocalls if automated messages promoted extended vehicle warranties, car protection plans, or similar automotive coverage. These calls typically came from unknown numbers and connected to live operators after you answered.
Eligible consumers would need to prove they received calls to their cell phones or residential lines without providing prior written consent. Simply purchasing a CarGuard product doesn’t automatically mean you consented to robocalls using automated dialing technology.
Registration on the National Do Not Call Registry strengthens potential claims. If your phone number was registered for at least 30 days before receiving CarGuard calls, this demonstrates you actively opted out of telemarketing.
Documentation matters for future claims. Cell phone call logs showing incoming calls from unfamiliar numbers help establish patterns of unwanted contact. Even without perfect records, your testimony about persistent warranty robocalls may support eligibility.
How Individual TCPA Claims Work Against CarGuard
Since no settlement exists, your best option for compensation involves filing an individual TCPA lawsuit. The statute of limitations gives you four years from the date of the last illegal robocall to take legal action.
Under federal law, TCPA violations allow recovery of $500 per illegal call. If the court finds violations were willful or knowing, damages increase to $1,500 per call. For consumers who received dozens of unwanted robocalls, potential compensation can reach thousands of dollars.
Contact a consumer protection attorney who specializes in TCPA litigation. Many lawyers handle these cases on contingency, meaning you pay nothing upfront and legal fees come from your settlement or award if you win.
Your attorney will gather evidence including call logs, phone records from your carrier, and your detailed account of the calls received. Recordings of the actual calls strengthen cases significantly if you saved voicemails.
The legal process typically involves filing a complaint in federal court, serving CarGuard with the lawsuit, and proceeding through discovery where both sides exchange evidence. Many TCPA cases settle before trial when defendants face strong evidence of violations.
Common Mistakes That Hurt TCPA Claims
Missing the four-year statute of limitations destroys your case. Track when you last received CarGuard robocalls and file your lawsuit before the deadline expires. Claims from calls received in early 2022 expire in early 2026.
Deleting evidence weakens your position. Don’t erase voicemails from CarGuard telemarketers or delete call history. Request detailed call records from your mobile carrier showing incoming calls during the relevant period.
Accepting vague consent language creates problems. Review any documents you signed when purchasing CarGuard products or related services. If paperwork included broad marketing consent, you may need to prove you revoked permission before receiving additional calls.
Failing to document opt-out requests reduces claim value. If you told a CarGuard representative to stop calling but received subsequent calls anyway, note the dates and details. Continued calls after opt-out requests demonstrate knowing violations.
What to Do While Waiting for Potential Settlement News
Monitor legal news websites that track class action settlements. Sites like ClassAction.org and TopClassActions.com publish announcements when major TCPA settlements receive court approval and open claim periods.
File complaints with regulatory agencies regardless of legal action. Report violations to the Federal Trade Commission through their online complaint assistant at ReportFraud.ftc.gov. Submit complaints to the Federal Communications Commission at consumercomplaints.fcc.gov.
Register your phone numbers on the National Do Not Call Registry at DoNotCall.gov. While registration doesn’t stop all illegal calls, it strengthens future TCPA claims by demonstrating your clear preference against telemarketing.
Consider the CarGuard Robocall Lawsuit Settlement, Victims Could Receive Up To $1500 Per Illegal Call for updates on case developments and potential settlement announcements.
Compare your situation to similar cases like the SiriusXM Class Action Lawsuit Exposed, which shows how TCPA settlements compensate victims of illegal telemarketing.
When to Consult an Attorney
Seek legal advice if you received numerous CarGuard robocalls over several months. High call volume increases potential damages and makes individual lawsuits more worthwhile despite legal costs.
Attorney consultation helps when you’re unsure about consent issues. If CarGuard claims you agreed to robocalls but you dispute this, experienced TCPA lawyers evaluate contract language and consent forms to determine claim viability.
Free case evaluations from consumer protection firms provide honest assessments. During consultations, attorneys review your evidence and explain whether your situation meets legal standards for TCPA recovery.
FAQs
What is the CarGuard lawsuit about?
The CarGuard lawsuit involves allegations that CarGuard Administration violated the Telephone Consumer Protection Act by making unauthorized automated calls to consumers promoting extended vehicle warranties. Multiple cases have been filed since 2020 alleging illegal robocalls to cell phones and numbers on the Do Not Call Registry.
Is there an active CarGuard settlement accepting claims?
No, there is no active CarGuard class action settlement as of February 2026. While earlier cases reached tentative settlements or were dismissed, no approved settlement currently exists with a claims administrator, settlement website, or filing deadline for affected consumers.
How can I get compensation for CarGuard robocalls?
Since no settlement exists, you must file an individual TCPA lawsuit through a consumer protection attorney. The statute of limitations is four years from the last illegal call, with potential recovery of $500 to $1,500 per violation depending on whether the court finds willful conduct.
What documentation do I need for a CarGuard TCPA claim?
Gather cell phone call logs showing incoming calls from unknown numbers, voicemails from CarGuard telemarketers if you saved them, detailed records of dates and times you received calls, and proof your number was on the National Do Not Call Registry if applicable.
When was the CarGuard lawsuit filed?
The first major CarGuard class action was filed in April 2020 in Massachusetts federal court by plaintiffs Joseph Barrett and Matthew Silverman. Additional cases followed in Pennsylvania (2022) and Virginia (2024), though many were dismissed or settled without public claim processes.
What is the deadline to file a CarGuard TCPA claim?
For individual lawsuits, you have four years from the date of the last illegal robocall. If you received CarGuard calls in February 2022, your deadline expires in February 2026. Earlier calls from 2020-2021 may already be time-barred.
Will CarGuard reach a settlement in the future?
While settlement discussions may be ongoing in mediation, no public information confirms an imminent settlement agreement. Monitor legal news websites and class action tracking sites for announcements if CarGuard reaches a settlement requiring court approval and establishing a claims process.
Last Updated: February 10, 2026
Disclaimer: This article provides general information about the CarGuard lawsuit and is not legal advice. Consult a qualified attorney for guidance specific to your situation.
Take action today. If you received illegal CarGuard robocalls, don’t let the statute of limitations expire. Contact a TCPA attorney to evaluate your claim and protect your rights.
Stay informed, stay protected. — AllAboutLawyer.com
About the Author
Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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