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Coverage for your vehicle

Car Protection Products

Guaranteed Asset Protection (GAP) Plus with Deductible Assistance*

Guaranteed Asset Protection (GAP)* is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it. This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft.  TruStone Financial Credit Union's GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.

Our GAP Plus program includes Deductible Assistance which is designed to provide financial relief when your vehicle is damaged but not deemed a total loss. If repairs cost more than your deductible, the deductible amount is applied to your vehicle loan at the credit union, reducing what you owe.

Mechanical Repair Coverage (MRC)**

Mechanical Repair Coverage (MRC)** can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget.

Benefits for covered repairs:

• Limit repair costs to your deductible.
• Choose your deductible: $100 or $250
• Rental reimbursement up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one.
• 24-hour emergency roadside assistance up to $100 per occurrence. Includes towing, battery jumpstart, fluid delivery, flat tire assistance & lock-out service.
• Travel expense reimbursement up to $200 per day for 1-5 days for food, lodging & transportation expense, when a covered breakdown occurs 100 miles or more from home and your vehicle is held overnight at a repair facility. (Not available to NY residents.)
• Good at any authorized repair facility in the continental United States of America, Alaska, Hawaii and Canada.
• No out of pocket expense except any deductible. Plan pays the repair facility.
• Transferable to increase resale value. Only if sold privately. Subject to transfer fee.
• Cancel for full refund within 60 days. Receive a full refund for an unused agreement within the first 60 days, or a prorated refund thereafter less an administrative fee. Cancellation provision and administrative fees vary by state. Certain conditions and components are excluded, such as inadequate maintenance and loss of coolant or lubrication of the vehicle. See the exclusions section of the service contract for complete details. 

Mechanical Repair Coverage is not available on recreation loans.

Stop into your local branch, call 800.862.1998, or fill out the form below to learn more about the MRC or GAP protection we offer members.

Want to learn more before applying?

Get More Details

*Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP), which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

**Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265.  Coverage varies by state.  Replacement parts may be used or remanufactured.  Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. Insurance products are offered through CUNA Mutual Insurance Agency, Inc. These products are not a deposit, not NCUA or federally insured or guaranteed by TruStone Financial Credit Union, and may involve investment risk, including possible loss of principal. GAP, MRC, AUT-3716149.1-0821-0923