Auto Deductible Reimbursement

You are eligible to recover your Auto Deductible up to $500 two claims per year.

• Pays up to five hundred dollars ($500) per Loss (two (2) losses per year) when a Loss is filed and paid by the Auto Insurance Company for a Covered Auto the Member owns or leases evidenced by the title, registration or loan document AND insured under an Auto Insurance Policy designating the Member as the Named Insured.
• Loss means an event for which the Auto Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the Covered Auto.
• Coverage is effective upon date of enrollment and will continue while you are actively enrolled in the plan and in good standing.

If the Member suffers a Loss during the benefit period which is covered by the Member’s Auto Insurance Policy, the Member may be entitled to reimbursement of the Auto Insurance Policy deductible amount up to a maximum of five hundred dollars ($500) per Loss. To be eligible for reimbursement the Member must own or lease and insure the Covered Auto under an Auto Insurance Policy designating the Member as the Named Insured.

The Auto Deductible Reimbursement Benefit Does Not Apply If:

• 1) the Member does not have an in-force Auto Insurance Policy on the Member’s Covered Auto at the time of a Loss;
• 2) the claim under the Member’s Auto Insurance Policy is not covered or has been denied by the Member’s Auto Insurance Company;
• 3) the Loss does not exceed the in-force Auto Insurance Policy deductible;
• 3) the Member’s Auto Insurance Company has waived the Auto Insurance Policy deductible under the Auto Insurance Policy;
• 5) the Loss is for a Recreational Vehicle (RV), Trailer, Motor Home, All Terrain Vehicle (ATV), Motorcycle, Boat, Personal Watercraft (PWC) or any other vehicle that does not fall under the definition of a Covered Auto;
• 6) the auto is used for commercial purposes or hire, or the auto is a commercial vehicle as defined by the manufacturer;
• 7) the Loss is other than a Total Loss and the Member does not repair the auto.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms.Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.