Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC)

Optional protection against costly vehicle repairs

As your vehicle gets older, the chance of unexpected breakdowns increases—and so do the repair costs. Mechanical Repair Coverage (MRC) helps cover the cost of parts and labor for many common (and expensive) vehicle repairs, giving you peace of mind long after your manufacturer’s warranty ends.

Details and Benefits

  • Protection from Expensive Repairs - Covers the cost of unexpected breakdowns for hundreds of vehicle components—potentially saving you thousands.
  • Nationwide Coverage - Use any authorized repair facility in the continental U.S., Alaska, Hawaii, and Canada.
  • Direct Payment to Repair Shops - No upfront cost for covered repairs (just your deductible, if applicable).
  • Rental Reimbursement - Up to $50/day (10-day max) while your vehicle is in the shop.
    (Limited to $35/day in CA, 5-day max unless parts are delayed)
  • 24/7 Emergency Roadside Assistance - Includes towing, battery jumpstarts, fluid delivery, flat tire help, lock-out service, and more—up to $125 per event.
  • Travel Expense Reimbursement - If your breakdown occurs 100+ miles from home and your vehicle is held overnight, you’ll be reimbursed up to $200/day (5-day max) for lodging, meals, and transportation.
    (Not available in NY)
  • Extra Perks Included
    • Key fob replacement (up to $800 per occurrence)
    • Paintless dent repair
    • Coverage for ride-sharing and select commercial use
    • Lift, leveling, and lowering kit support (up to size limits)
    • Mobility equipment coverage
    • Coverage is transferable if you sell your vehicle privately

What’s Typically Covered?

Depending on the plan you choose—Silver, Gold, or Platinum—MRC may include repairs for:

  • Engine and transmission systems
  • Electrical and hybrid components
  • Brakes, steering, suspension, and A/C
  • High-tech features like GPS, blind spot sensors, lane departure alerts, and more
  • Power windows, locks, heated seats, backup cameras, and infotainment systems

For a full list of covered components by plan, talk to USSFCU or view the plan brochure.

Choose the Plan That Fits Your Needs

  • Silver Plan – Covers key powertrain and electrical components
  • Gold Plan – Includes Silver + hybrid/electric systems and more
  • Platinum Plan – Our most comprehensive coverage

Deductible options available: $0, $100, $250
Availability of deductible options may vary by plan and state.

Submit a Claim

MRC Claims Administration:

www.vehiclecareplan.com | 800.752.6265

Hours of Operation: 7:00 AM – 7:00 PM CST (M-F)

Peace of Mind Starts Here

Protect your car. Protect your wallet.

Call Member Services at 800.374.2758 to find out which plan you might be best for you.

Details and Benefits

  • Protection from Expensive Repairs
    Covers the cost of unexpected breakdowns for hundreds of vehicle components—potentially saving you thousands.
  • Nationwide Coverage - Use any authorized repair facility in the continental U.S., Alaska, Hawaii, and Canada.
  • Direct Payment to Repair Shops - No upfront cost for covered repairs (just your deductible, if applicable).
  • Rental Reimbursement - Up to $50/day (10-day max) while your vehicle is in the shop.
    (Limited to $35/day in CA, 5-day max unless parts are delayed)
  • 24/7 Emergency Roadside Assistance - Includes towing, battery jumpstarts, fluid delivery, flat tire help, lock-out service, and more—up to $125 per event.
  • Travel Expense Reimbursement - If your breakdown occurs 100+ miles from home and your vehicle is held overnight, you’ll be reimbursed up to $200/day (5-day max) for lodging, meals, and transportation.
    (Not available in NY)
  • Extra Perks Included
    • Key fob replacement (up to $800 per occurrence)
    • Paintless dent repair
    • Coverage for ride-sharing and select commercial use
    • Lift, leveling, and lowering kit support (up to size limits)
    • Mobility equipment coverage
    • Coverage is transferable if you sell your vehicle privately

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For financing options and additional auto services, visit ussfcu.org/auto.

All coverage is subject to specific limitations and conditions as outlined in the Service Agreement. Some auto makes and models are exceled. Plan eligibility determined by vehicle Vin Number and mileage.

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. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, nonOEM or remanufactured.

No private party sales, Carvana purchases, third-party broker or auction services are eligible.

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The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

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