Unlimited Emergency Roadside Assistance

When you're driving a personal vehicle, you’re covered if something goes wrong.

Unlimited 24/7 roadside assistance when you're driving, including towing within 45 minutes of your call.

• Unlimited 24Hour Emergency Towing
• Jump Start
• Flat Tire Change
• Fuel Delivery
• Emergency Towing
• Sign-and-Drive: MCA will get you back on the road or to a servicing facility with no out of pocket expense.
• Towing to the nearest facility, for covered cars or pick up trucks.

Our Total Security plan includes towing to any facility of your choice, within 100 miles, for covered cars or pick up trucks.

*Long Distance Towing coverage is only available for the Total Security product.

Our Total Security plan includes up to $100 toward towing for recreational vehicles:

• Boat trailers being pulled by your covered vehicle
• Utility trailers being pulled by your covered vehicle
• While you are driving your RV
• While you are driving your pickup with a load capacity of 1 ton or greater
• While you are driving your pickup of a dual wheel class

*Recreational Vehicle towing coverage is only available for the Total Security product.

When a Member’s car is undriveable due to an auto accident, MCA will cover up to $500 for you to rent a car while your car is being repaired, or up to $500 for food, lodging or transportation if the accident occurs more than 50 miles from home.

Receive up to $500 for emergency room services after a covered accident, with up to $100 payout for each of the following:

• Cast or Splint
• Ambulance Service
• Anesthetic
• X-Rays
• Emergency Room Facility Cost

If you're hospitalized as a result of a covered accident, receive $150/day up to $54,750 for a prolonged hospital stay.

Up to $500 for auto rental, lodging and meals or commercial transportation for you and your family after a collision away from home.

We've got you covered. Your estate will receive $10,000 if you die as a direct result of injuries received in a covered accident.

24/7 Worldwide Travel Emergency Medical Assistance Services, whenever you are traveling 100 miles or more away from your principal residence.

Emergency Medical Evacuation: If necessary, a medically supervised evacuation to the nearest medical facility or, when in a foreign country, transport back to your home.

Assisted Repatriation:

• Medical Repatriation
• Non-Medical Repatriation
• Return of Remains
• Visit to Hospital
• Return of Child
• Return of Companion

Our Total Security plan includes the option to enroll, free of charge, in one of three additional all-accident AD&D coverages to suit your needs**:

• You, as named member, up to $50,000; or
• You and your spouse, up to $25,000 each, plus job retraining is available for surviving spouse in many cases; or
• You for up to $30,000, your spouse for up to $15,000, and your children up to $3,500 each.
• Optional benefits include job retraining for surviving spouse, continuing childcare and continuing education support.

*Optional AD&D coverage is only available for the Total Security product.

**The election form must be received in our office before coverage goes into effect. See form for limitations and exclusions.

MCA will pay up to $2,000 for your attorney to defend you against police charges resulting from driving your covered auto. You pick your own attorney and MCA will reimburse up to the amount covered. (With the exception of NY. MCA will pay directly.)

• Up to $200 maximum legal representation covered for Moving Violations. Includes speeding, following too closely, improper lane changes and more.
• Up to $500 maximum legal representation covered for auto related personal injury matters. Includes injuries sustained while in a vehicle or being struck by a vehicle while walking.
• Up to $500 maximum legal representation covered for collecting on your personal vehicle damages.
• Up to $2,000 maximum legal representation covered for auto related Negligent, Assault, Homicide or Vehicular Manslaughter

When involved in a traffic violation, your MCA card is good for $500 in cash appearance bond to give to the officer in lieu of taking your driver’s license or credit card. (Keep your driver’s license at the time of the violation.) Not in the State of California.

Motor Club of America will pay for the cost of a bail bond - up to 10% of the amount of the bond - on a bond amount up to $25,000.00 when you are arrested as the result of being involved in an auto accident while driving your covered auto. We will not be a surety on any bail bond, and only contract to pay a professional bail bondsman's fee. Restrictions and exclusions apply for DUI and hit and runs.

Loss Protecton Package

When you‘re on the road, you’re at a greater risk of theft and other misfortunes. MCA can help.

Stolen Vehicle... Find it Faster, Get Justice! If your car or vehicle is stolen, we'll help get it back faster by offering a $5,000 reward. The reward will be paid to the law enforcement agency or individual responsible for information leading to the arrest and conviction of the thief. The reward is not payable to you, your family, or other Members on your MCA membership.

Farm & Ranch Theft... Find it Faster, Get Justice! We will pay a $500.00 reward for information leading to the arrest and conviction of anyone stealing a Member's livestock, saddle and tack, trailers, or farm equipment. Reward will not be paid to you or any of your relatives.

Travel Assistance and Discounts Package

Trip Planning and Travel Concierge Service Members can call our member service department and will arrange your airline, hotel, or car rental needs using your credit cards. Customized maps and itinerary service consists of the member providing us with their auto travel plans with stops indicated, then our service will provide the member with a customized map of their route with points of interest along the way and at their destinations.

MCA Member Exclusive Travel Discounts MCA Members enjoy exclusive discounts on lodging, airfare, hotels, car rentals and more. Our MCA Member Only discounts range from 15% to 50%!