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Mechanical Repair Coverage

 Are you prepared to pay for costly vehicle repairs?

According to, car repair costs rose an average of 6.7% in 2013.1 How many times have you heard stories about cars that never broke down or had any mechanical difficulty, after the warranty ran out? According to a study by IHS Automotive, the average age of vehicles in American households was more than 11.3 years in 2013.2Most new car warranties now last only four years, so the chances of having to pay for costly repairs increases during the remaining years of ownership.

Many car repairs now cost hundreds, if not thousands of dollars. Major repairs like replacing a car’s transmission costs an average of $1900.3 And even small repairs like a timing belt replacement cost hundreds of dollars. When a vehicle’s manufacturer warranty has expired or doesn’t provide coverage for certain mechanical problems, you could be left with a bill for unexpected and costly expenses beyond your monthly vehicle loan payment.

This is where adding MEMBER’S CHOICE® Mechanical Repair Coverage can help. It can help deflect some of the risk of costly repairs so you can afford to keep your vehicle running effectively for additional years without extraordinary expenses. With three different levels and deductibles of coverage to choose from there’s a plan available to fit your family’s budget.

Whether you depend on your car in commuting to work or accomplishing daily errands for your family, you need transportation that’s safe and reliable. In addition to regular maintenance, it’s likely the older your vehicle becomes the more repairs it will take to keep it running effectively. Making repairs that are good for the overall health of you vehicle could lead to fewer costs down the road.

Mechanical Repair Coverage can help you cover the unexpected costs of parts and labor and help keep your family on the road with effective transportation to accomplish your daily needs. If you’re planning to keep your vehicle beyond the lifetime of the manufacturer’s warranty, purchasing Mechanical Repair Coverage may be the right choice for you.

Check with your loan officer for more details on MEMBER’S CHOICE Mechanical Repair Coverage, including benefits, limitations and exclusions today.

  1. “Car repairs rise for second straight year,”, 4/9/14,
  2. “Vital Signs: Americans Holding on to Their Cars Longer”, Kathleen Madigan, 1/3/14, The Wall Street Journal,
  3. “Average automobile repair costs”, Auto Warranty Group, 6/23/2014,

Be sure to read the Vehicle Service Contract or Insurance Policy which will explain the exact terms, conditions, and exclusions of this voluntary product. Coverage will vary by state. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.

MRC-955057.1-0614-0716 © CUNA Mutual Group 2014, All Rights Reserved.

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