Mechanical Repair Coverage

It's hard to anticipate vehicle repairs and maintenance. Budgeting for this can be difficult and can tie up funds earmarked for other needs. MEMBER'S CHOICE® Mechanical Repair Coverage (MRC) helps pay for repairs on your vehicle1, giving you more control to help you keep your car on the road where it should be.

If your vehicle breaks down, MRC pays for the cost of covered repairs, less any deductible, at any authorized repair facility in the US or Canada. By taking a few simple steps while signing your loan paperwork, you can be prepared for the unexpected.

Typically, as the age of your vehicle increases so does the average cost of repairs. That's why MRC is so valuable. Additionally, MRC provides rental reimbursement, 24-hour emergency roadside assistance, and travel expense reimbursement. And if you sell your vehicle privately, the coverage can be transferred. Download the Mechanical Repair Coverage brochure to learn more.


  1. Up to your policy maximum per terms of your contract agreement.
  2. 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 WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., in FL, LA and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MBIP 08/16), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. 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. MRC-2341946.1-1218-0121 © CUNA Mutual Group 2018