C.L.U.E.
stands for comprehensive loss underwriting exchange and is a database that allows
automobile and homeowner insurance providers to exchange information
– without notice to you-
according to consumer reports:
A tow could boost your car insurance premium.
Using an insurance company’s roadside assistance or towing benefits too often could affect your rates (and not in a nice way) or even your eligibility for coverage. Some auto insurers consider your calls for roadside assistance to be negatives, just like accident claims. State Farm, the nation’s largest insurer, says the use of roadside assistance is a very small factor in calculating rates or considering a driver’s insurability. Some insurers report roadside assistance calls made under their policies to ChoicePoint, an Alpharetta, Ga., company that compiles claims information for the insurance industry. Nationwide Insurance and Geico say they report the information but don’t use it in their policy decisions. Allstate says it doesn’t report usage by members of the Allstate Motor Club, but it does report towing claims made under its insurance policies.
In my own words
It is a good idea to have roadside assistance just not with your car insurance provider. Be aware the same is true with glass coverage, using this coverage may be the same as filing a claim. Be smart and check with the underwriting department of your insurance company to see if they will consider rental or towing claims when assessing premiums or if they report these claims to C.L.U.E. If yes, do not use car rental or towing coverage unless you have had an accident, in which case it will be part of the accident claim. If you are concerned about towing costs when your car breaks down, you can buy one of the roadside assistance memberships such as the one available from Motor Club of America which provides additional benefits not provided by anyone else and has a business opportunity built-in at no cost. Your own premiums are tax-deductible as well.
By referring new customers you will receive a 200% advanced commission paid every friday.
You can watch my video at www.double-up-daily.com or read on….
The Total Security Plan includes the following:
a. Battery Boost
b. Fuel Delivery
c. Tire Change
d. Lock-out Service
e. Wrecker Towing Service
f. And Much More!
Call the toll-free number for MCA authorized sign and go service.
We will pay the reasonable service charge for garage or service provider
whenever you are prevented from driving your covered private passenger vehicle.
If we cannot get this covered vehicle on its way within 30 minutes, we will have
it towed, up to 100 miles, to the destination of your choice. Also, we will pay
up to $100 to provide Emergency Road Service on RVs, Motorcycles, Trailers, and
vehicle’s with a load capacity of 1 ton or greater. (Dispatch only on
18-wheelers.)
Travel Assistance Reimbursement**
When a Member’s
car is disabled in an auto accident, Motor Club will reimburse up to $500 for
rental car for an accident at home, or up to $500 for lodging, meals, and
transportation when more than 50 miles away from home.
Trip Planning
and Travel Reservations
MCA offers free easy to read, step by step
computerized mapping services free of charge to Members. Simply fill out a
Travel information card or call MCAs toll-free number. This includes places of
interest, resort, motel and hotel information found along your route. You also
have a one-stop reservation service for airline travel, car rental, and hotel
discounts.
Arrest Bond***
Your Motor Club Membership card may
be used in lieu of cash bail up to $500 when involved in a traffic violation. (
Although this certificate will be accepted in many states, in some states arrest
bond certificates are not acceptable. In Maryland the certificate is acceptable
for $1000, in other states they are accepted for lesser amounts than $500.) Not
required in California.
Bail Bonds***
MCA will arrange up to a
$25,000 bond to release you when you are driving a vehicle and charged with a
moving traffic law violation such as vehicular manslaughter or auto related
negligent homicide. Simply call the toll-free number on the back of your
membership card.
Attorneys Fees****
Motor Club of America will
pay up to $2,000 for your attorney to defend you against police charges
resulting from driving your covered auto:
1. Up to $200 for covered Moving
Violations
2. Up to $500 covered auto related Personal Injury matters
3. Up to $500 covered Vehicle Damage issues
4. Up to $2,000 for covered auto
related Negligent Homicide or Vehicular Manslaughter
Stolen Vehicle
Reward
MCA will pay a $5,000 reward for that protects your vehicle and
discourages theft. 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.
Credit Card Protection
We will reimburse
you for the financial loss which you sustain as the result of the loss or theft
of your credit card(s) up to $50.00 for each card registered with us at the time
of the loss or theft, up to a total maximum of $1,000.00.
Discounts on
Prescriptions, Vision Care, and Dental
Our discount card is an easy way
to help you and your family receive discounts on all of your Prescription,
Vision, and Dental needs. You received a unique membership card allowing you to
receive up to a 65% discount on prescriptions, up to a 50% discount on vision,
and up to a 50% discount on dental procedures.
When
you are injured in a covered accident that requires emergency treatment or
hospital admission within 72 hours, MCAs Security membership provides
:
Emergency Reimbursement Benefits
Receive up to
$500 emergency cash for Emergency Room or Trama Center treatment received due to
injury in a covered accident. Includes but not limited to cost for:
1. Cast
or Splints
2. Lab Work
3. Nursing Service
4. Transfusions
5.Anesthetics
6. Doctor Care
7. IV’s
8. Facility
Daily Hospital
Benefit
$54,750 Hospital cash benefits. You will receive $150 per day
beginning the first day you are hospitalized as a result of a covered accident
for up to 365 consecutive days.
Accidental Death Benefit
As a
member, you may enroll, free of charge, in one of three all accident AD&D
coverage’s to suit your needs:
1. You, as named member, up to $50,000;
or
2. You and your spouse, up to $25,000 each, plus job retraining is
available for surviving spouse in many cases; or
3. 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 child care and
continuing education support.
Coverage election form must be completed and
returned to home office before coverage goes into effect.
Coverage
provided by Zurich Insurance Company of North America. See certificate of
participation for details.
Travel Assistance Program
The
named member receives the Travel Assist Program which assists worldwide
with issues such as:
1. Medical Evacuation
2. Medical Repatriation
3. Non-Medical Repatriation
4. Return of Remains
5. Visit to Hospital
6. Return of Child
7. Return of Companion
Coverage provided by Zurich
Insurance Company of North America. See Travel Assist Description of Coverage
for details..
This is a summary of services, please see service
contract for exact details.
*In NY coverage is for service provided
through our dispatch center only.
**This benefit is not available in
NY.
***Bond benefits are not available in CA and NY.
****In NY benefit
pays directly to our Provider Attorney for services up to the limit specified.
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