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Auto Protection Plan - over $3,000 in Benefits!

  • Auto Deductible Reimbursement – up to $500 - 2 claims/year
  • Auto Repair Reimbursement – 20% up to $500/repair & $1000/year
  • 24 Hour Roadside Assistance
  • Auto Expert Opinion
  • Emergency Travel - lodging and meals up to $1000/year ($100/day-5 days each)

Auto Protection Plan (ADR+ARR+24RA+MAE+ET) - One Year





Auto Protection Plan

Auto Deductible Reimbursement Benefit

Definitions:

Auto Insurance Policy refers to a policy of insurance issued to the Member for which the Member is an Auto Policy Named Insured covering an automobile owned or leased by the Member against all risks of direct physical damage. The Auto Insurance Policy must be valid and active.

Auto Policy Named Insured refers to any person, specifically designated by name as an insured(s), or as a covered or additional driver on the declaration page of the Auto Insurance Policy for the Covered Auto.

Covered Auto refers to a non-commercial, four (4) wheel auto of the Member which is recognized and covered by the Auto Insurance Policy issued to the Member for which the Member is the Auto Policy Named Insured, and the auto is owned or leased by the Member evidenced by the title of the auto, registration of the auto, or the Member is designated a borrower of the auto.

Loss refers to an accidental physical loss or damage to the Member's Covered Auto 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.

Member refers to the individual who is added as a participant under the program provider’s auto deductible reimbursement blanket policy.

Member Effective Date refers to the date the Member is added as a participant under the program provider’s auto deductible reimbursement blanket policy.

Theft refers to the taking or removing of property with intent to deprive the rightful owner. It includes robbery, burglary and larceny.

We, Us and Our refer to the insurer underwriting the Auto Deductible Reimbursement benefit.

Administrator refers to cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

We will reimburse the Member for a Loss to the Member’s Covered Auto equal to the deductible limit shown on the Member’s Auto Insurance Policy up to a maximum of $500. Coverage is effective upon date of the Member’s enrollment and will continue for one (1) Year.
 
   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;
  4. 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 Water Craft (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
  7. the Loss is other than a Total Loss and the Member does not repair the Covered Auto
 
Only one (1) Auto Deductible Reimbursement benefit will be paid per Covered Auto per Loss and only two (2) benefits will be paid per Member per twelve (12) month period.
 
Benefit Limits:
  1. The highest Auto Deductible Reimbursement benefit paid for any Loss is five hundred dollars $500.

Exclusions:

The Auto Deductible Reimbursement benefit will not apply to a Loss caused by or resulting from any of the following:
  1. Delay, loss of market, loss of use, or any other causes of consequential loss, including (but not limited to) Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special, or consequential damages arising out of the use of or inability to use the Member’s Covered Auto.
  2. Intentional or dishonest acts by: the Member or anyone else with an interest in Member’s Covered Auto; the Member’s employees or authorized representatives; whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment.
  3. Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents; or
  4. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.

The Auto Deductible Reimbursement benefit will not apply to a Loss caused directly or indirectly by any of the following:
  1. Seizures or destruction of Member’s Covered Auto by order of governmental authority;
  2. Any weapon employing atomic fission or fusion; or
  3. Nuclear reaction or radiation, or radioactive contamination from any other cause.
  4. War, including undeclared or civil war.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

The Auto Deductible Reimbursement benefit does not cover:
  1. Any Loss involving liability or medical payments coverage provided for under the Member’s Auto Insurance Policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others.
  2. Any Loss which occurred while the Member was not enrolled to receive the Auto Deductible Reimbursement benefit.
  3. Any Loss or damage to a vehicle not defined as a Covered Auto including, but not limited to a watercraft, aircraft, manufactured home or other motorized items intended for storage, display, competition or habitation that may be recognized and covered by an Auto Insurance Policy showing the Member as a Named Insured.

How to File A Claim:

Call the Claims Administrator at 1-877-296-4892 or go to www.assuranceplus.com/claims to request a claim form. Notice of the Loss must have been provided to the Claims Administrator within 90 days of the date of Loss, but in no event later than 1 year from date of Loss. To process a claim the Claims Administrator must be sent a completed and signed claim form, along with the following required documents, within 180 days of the date of Loss, but in no event later than 1 year from date of Loss.
  1. A copy of the Automobile Insurance Policy Declarations page in effect on the date of Loss.
  2. A copy of the Covered Auto title, registration or loan/lease documents (if applicable) in effect on the date of Loss.
  3. A copy of the estimate of repairs or the total Loss statement.
  4. A copy of the claim payment check and/or settlement letter from the Auto Insurance Company showing the amount that was paid and that the deductible was satisfied.
  5. A copy of the check, credit card charge, debit card charge or cash receipt showing the deductible was paid.
  6. Any other information that may reasonably be requested in order to process the claim.

Transfer of Rights of Recovery Against Others to Us:

If any person or organization to or for whom We make payment under this insurance has rights to recover damages from another those rights are transferred to Us. That person or organization must do everything necessary to secure Our rights and must do nothing after a Loss to impair them.

This Auto Deductible Reimbursement benefit described herein is underwritten by an A.M. Best A rated carrier.
 

20% Auto Mechanical Repair Reimbursement Terms and Conditions

Definitions:
Automobile means a four-wheeled, private passenger vehicle, new or used, personal auto owned or leased and used for personal use by the Member or a Family Member residing in the Member’s primary residence. (Proof of ownership and permanent address will be required at time of claim).

Collision means a collision of any kind, including but not limited to, collision with another object, vehicle or animal.

Exclusionary Period means the first thirty (30) days following the Membership Effective Date.

Family Member means spouse, son, daughter or parent of the Member who resides with the Member.

Member means an individual who has purchased and is an active member of this membership program.

Membership Effective Date means the date the membership period starts.

Membership Expiration Date means the date the membership period ends.

Benefit Description:

Subject to these terms and conditions, the Member or Family Member is eligible to receive a twenty percent (20%) reimbursement of the payment made to a licensed repair facility to perform a mechanical repair on an Automobile, if the mechanical repair occurs after both the Membership Effective Date AND Exclusionary Period, but before the Membership Expiration Date.

Reimbursements are limited to twenty percent (20%) of the mechanical repair payment made to a licensed repair facility up to five hundred dollars ($500) per mechanical repair. The reimbursable part of any mechanical repair is limited to the cost of eligible replacement parts, labor, shop fees and disposal fees only. The maximum amount of benefits available under this plan during a twelve (12) month membership period is one thousand dollars ($1,000).

The reimbursement amount is excess of any other coverage available which would include, but not be limited to: a manufacturer’s warranty, extended warranty, automobile insurance, credit card benefit, etc.

Mechanical Repair reimbursements under this plan do not include any of the following:

  1. Repair or replacement of a windshield, side windows, rear window or the glass part of a sunroof.
  2. Repair or replacement of tires, wheels and/or rims, including a spare tire and rim.
  3. Repair or replacement of a battery of any kind for any reason.
  4. Repair or replacement of any key or key fob.
  5. Non-mechanical repairs to upgrade or improve the Automobile, including, but not limited to, performance, appearance or cosmetic upgrades to the Automobile which include painting, carpet or fabric repairs/replacements, rust proofing, rust repair/removal, dent repair/removal, scratch repair/removal, body work, cleaning, restoration work, engine modifications, lift kits, suspension modifications, after-market products, accessories or enhancements, etc.
  6. Work performed on the Automobile as a result of an automobile manufacturer’s or part’s recall.
  7. Repairs on an automobile owned by someone other than the Member or Family Member.
  8. Repairs on an Automobile at a non-licensed repair facility. Self repair expenses are not eligible.
  9. Repairs on an Automobile that occur before the Membership Effective Date or after the Membership Expiration Date.
  10. Repairs to an Automobile that occur during the Exclusionary Period.
  11. The cost of parts purchased by the Member for repairs not made by a licensed repair facility.
  12. Any routine maintenance work. Examples include, but are not limited to; the replacement of brakes, brake pads, brake rotors, belts, batteries, filters, struts, shocks, bulbs, spark plugs, tire balancing and tire alignment.
  13. Any regularly scheduled maintenance work as defined in the Automobile’s Owner’s Manual. Examples include, but are not limited to; oil changes, oil filters, fluids and tire rotations.
  14. Repairs to a motorhome, travel trailer, motorcycle, boat, ATV, or any other vehicle not defined as an Automobile.
  15. A repair to an automobile used for commercial purposes and/or that is owned by a business.
  16. Repairs to an Automobile that are the result of Acts of God, including fire, lightning, hail, flooding and wind.
  17. Repairs to an Automobile that are the result of theft, Collision of any kind, road hazard/debris damage, physical damage of any kind, abuse, misuse, racing, careless or reckless driving, and vandalism.
  18. Any pre-existing failures or repairs that were initiated or occurred before the Membership Effective Date or after the Membership Expiration Date.
  19. Shipping charges, taxes, fuel/gas, smog testing, emissions testing, document fees, environmental fees, and hazardous waste removal fees.

How to File a 20% Reimbursement Request:
To file a request for reimbursement, the Member may call the administrator at 1-877-296-4892 to request a reimbursement form or send an email to reimbursements@cynosurefinancial.com.  The Member may also initiate a reimbursement request online at https://AssurancePlus.com/Claims.

Once the Member receives the reimbursement form, it must be completed and returned to the administrator with the following information within 120 days of the date the mechanical repair was made:

1) A repair bill on the Automobile from a licensed repair facility that shows the:

  1. name, address, city, state, zip code and telephone number of the repair facility;
  2. date the mechanical repair occurred;
  3. problem causing the mechanical repair;
  4. a breakdown of the dollar amount charged for the mechanical repair (parts, labor, etc.); and
  5. mileage on the Automobile at time of repair.

2) Evidence that Member or Family Member paid the licensed repair facility for the mechanical repair (i.e., a receipt from the licensed repair facility showing method of payment, copy of cancelled check, or credit card statement, etc.).

3) Copy of the Member’s current driver’s license, and Family Member’s current driver’s license if the Automobile is owned by a Family Member.

4) A copy of the Automobile’s current Vehicle Registration, loan or lease document, or title showing the:

  1. Member or Family Member, if Automobile is owned by a Family Member, as the named owner or lessee of the Automobile, and
  2. Family Member primary address matching the Member’s primary address, if the Automobile is owned by a Family Member.

You can make a request for reimbursement online anytime at https://AssurancePlus.com/Claims using your Benefit ID and last name, or You may send the completed reimbursement form and above listed documentation to:

20% Auto Mechanical Repair Reimbursement Administrator
PO Box 7690
St. Clair Shores, MI 48080
reimbursements@cynosurefinancial.com
Toll Free:  877-296-4892

In order to effectively process the request for a reimbursement, the request must be received by the administrator shown above within one hundred and twenty (120) days of the date that the mechanical repair was made, or the reimbursement will be ineligible. If all of the documentation is submitted and the reimbursement is verified as being eligible by the administrator, the Member will receive a payment for 20% of the allowable mechanical repair costs up to $500 per mechanical repair, up to a maximum of $1,000 per 12-month membership period.
Aplus20AMRR-2024

Blanket Roadside Assistance
Terms & Conditions

The Roadside Assistance Benefit is provided and administered by Allied Dispatch Solutions, LLC d/b/a TrxNow (“Administrator”). Roadside Assistance is available twenty-four (24) hours a day. To arrange service for your vehicle, call our dispatch center toll-free at 1-855-203-0929 to request assistance, and the Administrator will send help to your vehicle from an authorized roadside service provider.

Covered Expenses: All expenses covered under the program are limited to One Hundred Fifty Dollars ($150.00) for any single claim, and include the following (collectively, the “Benefits”):

  1. Towing: When your vehicle is disabled due to mechanical breakdown, the Administrator will arrange for a roadside service provider to tow it to the nearest service facility.
    1. Nearest facility will be recommended by the CSS based on system information and the determination of the disablement location.
    2. Towing coverage for vehicles under 10,000lb GVWR “Light Duty
  2. Flat Tire Assistance: A flat tire will be changed with your spare If, for any reason, the spare is not usable, the lug nuts cannot be removed or the vehicle has two flat tires with one usable spare, towing will be provided in accordance with the towing provisions.
  3. Fuel Delivery Service: If the vehicle runs out of fuel, we will provide for the delivery of fuel needed at the disablement site. Specific brands or octane ratings cannot be promised. Does not cover the cost of fuel.
    1. Includes up to 3 gallons of fuel (cost of fuel or fluid paid by Customer)
  4. Lock Out Service: If your keys are locked in the vehicle, assistance will be provided to gain entry.
  5. Jump Start: Jump start service will be provided to start your vehicle.
  6. Winching/Extraction: If your vehicle is stuck in a ditch, mud or snow, but it is accessible from a normally traveled roadway, service will be given to winch the vehicle.
    1. Limited to 100 ft off a state-maintained roadway

Any expense incurred beyond $150 per event will be your responsibility to pay the Roadside Contractor.

Roadside Assistance Reimbursement: If for any reason the Administrator dispatch center cannot provide the Benefits, you must obtain authorization from the Administrator dispatch center to use the service provider of your choice. The Administrator will reimburse you up to $150 upon presentation of a paid service provider receipt. Authorization is required to be eligible for reimbursement.

Coverage Eligibility: Access to the Administrators dispatch services is unlimited, however reimbursement for Benefits provided is limited to $150 per claim.

Important: All roadside service providers are independent contractors and not agents or employees of the Administrator. Accordingly, the Administrator assumes no liability for any personal injury or damage to your vehicle resulting from the provision of Benefits and any such claims should be directed as the roadside service provider. By using the Benefits, you agree to indemnify and hold harmless the Administrator from any damages or claims (including claims made by third-parties) arising out of the provision of Benefits.

BENEFIT LIMITATIONS: The program provides service for most emergency situations but does not include:
  • Service if the operator is not with the disabled vehicle (however if you cannot remain with the vehicle for safety reasons, we will attempt to provide service.)
  • Service for vehicles with a manufacturer’s load rating capacity greater than one ton or with dual rear wheels
  • Towing or service on roads not regularly maintained including private property.
  • Installation or removal of snow tires and chains or dismounting, repairing, or rotating tires.
  • Vehicle storage charges, cost of parts and installation, products, materials, impounding, and additional labor related to towing.
  • Service to vehicles with expired safety inspection, license plate, and/or emission sticker if service is prohibited by law.
  • Service to vehicles that are not in a safe condition to be towed.
  • Service in areas not regularly traveled, beaches, open fields or other places that would be hazardous for service.
  • Charging a weak or dead battery.
  • Towing vehicles to a junkyard for disposal.
  • SPECIAL EQUIPMENT: This program provides one normally equipped service vehicle, one driver and one service call per disablement. Any additional personnel or special equipment is at the vehicle operator’s expense and is not reimbursable.

This Is Not Insurance

My Auto Expert™ Program Benefit Statement
 
The Protection Plan provides you access to the My Auto Expert™ benefit (“Benefit”), which is provided by Sonsio Administrative Services, Inc. (“Sonsio”).  The benefit is included as part of the Auto Protection Plan.  Your Benefit begins on the date of the Auto Protection Plan and continues for 12 months thereafter (“Benefit Period”).
 
What is My Auto Expert™?
My Auto Expert is a phone service that provides access to ASE Certified Automotive Technicians.  The expert, unbiased, and independent technicians of My Auto Expert offer general and emergency advice. My Auto Expert ASE Certified Automotive Technicians utilize automotive expertise as well as industry leading tools to assist you with questions related to the Covered Vehicle. 
 
Who is Eligible?
My Auto Expert™ may be utilized by you, your spouse, and your teenage drivers (18 years or older) in connection with the non-commercial private passenger vehicle(s) registered to you, or an eligible member of your household ("Covered Vehicle" or "Covered Vehicles").
 
What Are the Benefits?
Your benefits include access to the following services:
  • Validation & Second Opinions
    My Auto Expert technicians validate the mechanical diagnosis and recommended repairs provided by a repair facility. They will:
    • Speak with you directly and listen to your concerns related to your Covered Vehicle and the repair work proposed;
    • Speak with the technician at a repair facility, review their diagnosis and estimate for repairs to your Covered Vehicle;
    • Provide their expertise and opinion about the repair work proposed for your Covered Vehicle, and whether you are receiving the appropriate service for your Covered Vehicle. 
  • Repair Cost Estimator
    If you question an estimate quoted by a mechanic, My Auto Expert™ will analyze your estimate using the most current parts costs and labor rates for any region of the country.  My Auto Expert technicians will:
    • Provide you with an estimate for repair services based on your description of the problems you are experiencing.
    • Review the estimates you have received for the repairs to your Covered Vehicle to help you determine if you are getting a fair price.
  • Mechanical Diagnosis
    My Auto Expert technicians will help determine the potential issues negatively affecting your Covered Vehicle. If unable to provide a specific diagnosis over the phone, they will help narrow down possible issues and provide information which may be helpful to a repair shop.
     
  • Technical Assistance – Vehicle Features and Mechanical Problems  
    My Auto Expert technicians answer questions and provide guidance on features and basic ‘owner’s manual’ maintenance for your Covered Vehicle, including, for example, how to open the gas tank cover or how to get that new headlight bulb installed.
 
What Are the Limitations?
  • This service only provides advice based upon the information you provide.
  • My Auto Expert in no way guarantees the integrity of the actual repair work performed.
  • This service is not transferable.
  • This service is limited to the Covered Vehicle.  All commercial-use vehicles are excluded.

How Do I Use This Service?
  • Make sure you have your Benefit ID number ready when contacting My Auto Expert.
  • Call My Auto Expert toll-free 1-855-766-7462 by phone between the hours of 8:00 AM and 8:00 PM ET, Monday through Friday, and Saturdays from 8:00 AM to 5:30 PM ET; or
  • Send an email with your questions, invoices and/or estimates, and other applicable information to MyAutoExpert@Sonsio.com.  Make sure to include your full name and a phone number where My Auto Expert can reach you; or
  • Fax the information above to 1-866-597-9327.  Please make sure the pages are clear and legible before faxing.  Make sure to include your full name and a phone number where My Auto Expert can reach you.
 
 
Emergency Travel Expense Reimbursement

Definitions:
 
Administrator means cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

Member means the member of the Auto Protection Plan.  The Member must be of legal age, be a   licensed driver and have the same principal residence as is listed on the membership plan.
 
Vehicle means a motor vehicle of the four-wheel private passenger type, including station wagons, jeeps, trucks and SUV’s with a manufacturer’s rated load capacity of 1 ton or less, designed for use on public roads and not being used commercially. 
 
Disablement means the disablement of the Member’s Vehicle more than one hundred (100) miles from the Member’s primary residence and due to a mechanical breakdown or collision where the Member’s Vehicle cannot be driven under its own power and must be towed to a collision shop, auto dealer or auto service center where it is kept overnight for at least one night.
 
 
Benefit:
 
If a Vehicle owned and insured by the Member with the Member being the primary insured on the Auto Insurance Policy suffers a Disablement and the Vehicle cannot be driven safely under its own power, and subject to the Terms and Conditions of this benefit, the Member is entitled to be reimbursed a maximum benefit of $100 per night, up to a maximum of five (5) nights per twelve (12) month period for lodging expenses. The benefit only applies to overnight lodging where the Member has to pay for the room (e.g. hotel, motel, bed & breakfast, YMCA, etc.) and has the receipt or other documentation showing the name of the lodging facility, date(s) stayed and amount paid.
 
The Member is also entitled to be reimbursed a maximum benefit of $100 per day, up to a maximum of five (5) days per twelve (12) month period for meals. The benefit only applies to meals where the Member has to pay for the meal(s) and has the receipt or other documentation showing the name of the restaurant, date(s) of the meal(s) and amount(s) paid.
 
Exclusions:
 
No benefits will be paid in the event the Member’s:
  1. Disablement is due to a collision(s) involving speeding violations, criminal activity, and/or driving under the influence of non-prescription drugs or alcohol.
  2. Disablement repairs are not completed by a licensed facility.
  3. Disablement occurred within one hundred (100) miles of  his/her primary residence.
  4. Receipts don’t show the required information.
  5. Call to the Administrator does not occur within thirty (30) days of his/her Disablement.
 
To File a Claim: 
 
 The Member should call the Administrator at1-877-296-4892 within thirty (30) days of the date the Disablement occurred. The Administrator will mail a claim form to the Member to be completed and returned with the following required documentation:
 
  1. A copy of the towing bill showing company and date the Vehicle tow occurred.
  2. A copy of receipt showing what repairs were made to the Vehicle.  No claim will be paid without written documentation.
  3. Receipt(s) for all expenses to be reimbursed (hotel/motel, food) showing name of entity, dates lodging or meals occurred and dollar amount spent.
Any other documentation that the Administrator may reasonably request.
 
The completed claim form and required documentation should be mailed within ninety (90) days of the Disablement to the Administrator at:  Emergency Travel Expense, P.O. Box 7690, and St. Clair Shores, MI 48080

APG AUTO-09-15
rev 09.01.2017

Auto Protection Plan (ADR+ARR+24RA+MAE+ET) - One Year





Auto Protection Plan

Auto Deductible Reimbursement Benefit

Definitions:

Auto Insurance Policy refers to a policy of insurance issued to the Member for which the Member is an Auto Policy Named Insured covering an automobile owned or leased by the Member against all risks of direct physical damage. The Auto Insurance Policy must be valid and active.

Auto Policy Named Insured refers to any person, specifically designated by name as an insured(s), or as a covered or additional driver on the declaration page of the Auto Insurance Policy for the Covered Auto.

Covered Auto refers to a non-commercial, four (4) wheel auto of the Member which is recognized and covered by the Auto Insurance Policy issued to the Member for which the Member is the Auto Policy Named Insured, and the auto is owned or leased by the Member evidenced by the title of the auto, registration of the auto, or the Member is designated a borrower of the auto.

Loss refers to an accidental physical loss or damage to the Member's Covered Auto 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.

Member refers to the individual who is added as a participant under the program provider’s auto deductible reimbursement blanket policy.

Member Effective Date refers to the date the Member is added as a participant under the program provider’s auto deductible reimbursement blanket policy.

Theft refers to the taking or removing of property with intent to deprive the rightful owner. It includes robbery, burglary and larceny.

We, Us and Our refer to the insurer underwriting the Auto Deductible Reimbursement benefit.

Administrator refers to cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

We will reimburse the Member for a Loss to the Member’s Covered Auto equal to the deductible limit shown on the Member’s Auto Insurance Policy up to a maximum of $500. Coverage is effective upon date of the Member’s enrollment and will continue for one (1) Year.
 
   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;
  4. 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 Water Craft (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
  7. the Loss is other than a Total Loss and the Member does not repair the Covered Auto
 
Only one (1) Auto Deductible Reimbursement benefit will be paid per Covered Auto per Loss and only two (2) benefits will be paid per Member per twelve (12) month period.
 
Benefit Limits:
  1. The highest Auto Deductible Reimbursement benefit paid for any Loss is five hundred dollars $500.

Exclusions:

The Auto Deductible Reimbursement benefit will not apply to a Loss caused by or resulting from any of the following:
  1. Delay, loss of market, loss of use, or any other causes of consequential loss, including (but not limited to) Losses arising from loss of time, inconvenience, lost profits or savings or other incidental, special, or consequential damages arising out of the use of or inability to use the Member’s Covered Auto.
  2. Intentional or dishonest acts by: the Member or anyone else with an interest in Member’s Covered Auto; the Member’s employees or authorized representatives; whether or not acting alone or in collusion with other persons and whether or not occurring during the hours of employment.
  3. Warlike action by military force including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other authority using military personnel or other agents; or
  4. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these.

The Auto Deductible Reimbursement benefit will not apply to a Loss caused directly or indirectly by any of the following:
  1. Seizures or destruction of Member’s Covered Auto by order of governmental authority;
  2. Any weapon employing atomic fission or fusion; or
  3. Nuclear reaction or radiation, or radioactive contamination from any other cause.
  4. War, including undeclared or civil war.

Such Loss is excluded regardless of any other cause or event that contributes to the Loss, whether concurrently or in any other sequence.

The Auto Deductible Reimbursement benefit does not cover:
  1. Any Loss involving liability or medical payments coverage provided for under the Member’s Auto Insurance Policy including, but not limited to, personal injury to others, personal injury to others injured on the Member’s property or damage to property of others.
  2. Any Loss which occurred while the Member was not enrolled to receive the Auto Deductible Reimbursement benefit.
  3. Any Loss or damage to a vehicle not defined as a Covered Auto including, but not limited to a watercraft, aircraft, manufactured home or other motorized items intended for storage, display, competition or habitation that may be recognized and covered by an Auto Insurance Policy showing the Member as a Named Insured.

How to File A Claim:

Call the Claims Administrator at 1-877-296-4892 or go to www.assuranceplus.com/claims to request a claim form. Notice of the Loss must have been provided to the Claims Administrator within 90 days of the date of Loss, but in no event later than 1 year from date of Loss. To process a claim the Claims Administrator must be sent a completed and signed claim form, along with the following required documents, within 180 days of the date of Loss, but in no event later than 1 year from date of Loss.
  1. A copy of the Automobile Insurance Policy Declarations page in effect on the date of Loss.
  2. A copy of the Covered Auto title, registration or loan/lease documents (if applicable) in effect on the date of Loss.
  3. A copy of the estimate of repairs or the total Loss statement.
  4. A copy of the claim payment check and/or settlement letter from the Auto Insurance Company showing the amount that was paid and that the deductible was satisfied.
  5. A copy of the check, credit card charge, debit card charge or cash receipt showing the deductible was paid.
  6. Any other information that may reasonably be requested in order to process the claim.

Transfer of Rights of Recovery Against Others to Us:

If any person or organization to or for whom We make payment under this insurance has rights to recover damages from another those rights are transferred to Us. That person or organization must do everything necessary to secure Our rights and must do nothing after a Loss to impair them.

This Auto Deductible Reimbursement benefit described herein is underwritten by an A.M. Best A rated carrier.
 

20% Auto Mechanical Repair Reimbursement Terms and Conditions

Definitions:
Automobile means a four-wheeled, private passenger vehicle, new or used, personal auto owned or leased and used for personal use by the Member or a Family Member residing in the Member’s primary residence. (Proof of ownership and permanent address will be required at time of claim).

Collision means a collision of any kind, including but not limited to, collision with another object, vehicle or animal.

Exclusionary Period means the first thirty (30) days following the Membership Effective Date.

Family Member means spouse, son, daughter or parent of the Member who resides with the Member.

Member means an individual who has purchased and is an active member of this membership program.

Membership Effective Date means the date the membership period starts.

Membership Expiration Date means the date the membership period ends.

Benefit Description:

Subject to these terms and conditions, the Member or Family Member is eligible to receive a twenty percent (20%) reimbursement of the payment made to a licensed repair facility to perform a mechanical repair on an Automobile, if the mechanical repair occurs after both the Membership Effective Date AND Exclusionary Period, but before the Membership Expiration Date.

Reimbursements are limited to twenty percent (20%) of the mechanical repair payment made to a licensed repair facility up to five hundred dollars ($500) per mechanical repair. The reimbursable part of any mechanical repair is limited to the cost of eligible replacement parts, labor, shop fees and disposal fees only. The maximum amount of benefits available under this plan during a twelve (12) month membership period is one thousand dollars ($1,000).

The reimbursement amount is excess of any other coverage available which would include, but not be limited to: a manufacturer’s warranty, extended warranty, automobile insurance, credit card benefit, etc.

Mechanical Repair reimbursements under this plan do not include any of the following:

  1. Repair or replacement of a windshield, side windows, rear window or the glass part of a sunroof.
  2. Repair or replacement of tires, wheels and/or rims, including a spare tire and rim.
  3. Repair or replacement of a battery of any kind for any reason.
  4. Repair or replacement of any key or key fob.
  5. Non-mechanical repairs to upgrade or improve the Automobile, including, but not limited to, performance, appearance or cosmetic upgrades to the Automobile which include painting, carpet or fabric repairs/replacements, rust proofing, rust repair/removal, dent repair/removal, scratch repair/removal, body work, cleaning, restoration work, engine modifications, lift kits, suspension modifications, after-market products, accessories or enhancements, etc.
  6. Work performed on the Automobile as a result of an automobile manufacturer’s or part’s recall.
  7. Repairs on an automobile owned by someone other than the Member or Family Member.
  8. Repairs on an Automobile at a non-licensed repair facility. Self repair expenses are not eligible.
  9. Repairs on an Automobile that occur before the Membership Effective Date or after the Membership Expiration Date.
  10. Repairs to an Automobile that occur during the Exclusionary Period.
  11. The cost of parts purchased by the Member for repairs not made by a licensed repair facility.
  12. Any routine maintenance work. Examples include, but are not limited to; the replacement of brakes, brake pads, brake rotors, belts, batteries, filters, struts, shocks, bulbs, spark plugs, tire balancing and tire alignment.
  13. Any regularly scheduled maintenance work as defined in the Automobile’s Owner’s Manual. Examples include, but are not limited to; oil changes, oil filters, fluids and tire rotations.
  14. Repairs to a motorhome, travel trailer, motorcycle, boat, ATV, or any other vehicle not defined as an Automobile.
  15. A repair to an automobile used for commercial purposes and/or that is owned by a business.
  16. Repairs to an Automobile that are the result of Acts of God, including fire, lightning, hail, flooding and wind.
  17. Repairs to an Automobile that are the result of theft, Collision of any kind, road hazard/debris damage, physical damage of any kind, abuse, misuse, racing, careless or reckless driving, and vandalism.
  18. Any pre-existing failures or repairs that were initiated or occurred before the Membership Effective Date or after the Membership Expiration Date.
  19. Shipping charges, taxes, fuel/gas, smog testing, emissions testing, document fees, environmental fees, and hazardous waste removal fees.

How to File a 20% Reimbursement Request:
To file a request for reimbursement, the Member may call the administrator at 1-877-296-4892 to request a reimbursement form or send an email to reimbursements@cynosurefinancial.com.  The Member may also initiate a reimbursement request online at https://AssurancePlus.com/Claims.

Once the Member receives the reimbursement form, it must be completed and returned to the administrator with the following information within 120 days of the date the mechanical repair was made:

1) A repair bill on the Automobile from a licensed repair facility that shows the:

  1. name, address, city, state, zip code and telephone number of the repair facility;
  2. date the mechanical repair occurred;
  3. problem causing the mechanical repair;
  4. a breakdown of the dollar amount charged for the mechanical repair (parts, labor, etc.); and
  5. mileage on the Automobile at time of repair.

2) Evidence that Member or Family Member paid the licensed repair facility for the mechanical repair (i.e., a receipt from the licensed repair facility showing method of payment, copy of cancelled check, or credit card statement, etc.).

3) Copy of the Member’s current driver’s license, and Family Member’s current driver’s license if the Automobile is owned by a Family Member.

4) A copy of the Automobile’s current Vehicle Registration, loan or lease document, or title showing the:

  1. Member or Family Member, if Automobile is owned by a Family Member, as the named owner or lessee of the Automobile, and
  2. Family Member primary address matching the Member’s primary address, if the Automobile is owned by a Family Member.

You can make a request for reimbursement online anytime at https://AssurancePlus.com/Claims using your Benefit ID and last name, or You may send the completed reimbursement form and above listed documentation to:

20% Auto Mechanical Repair Reimbursement Administrator
PO Box 7690
St. Clair Shores, MI 48080
reimbursements@cynosurefinancial.com
Toll Free:  877-296-4892

In order to effectively process the request for a reimbursement, the request must be received by the administrator shown above within one hundred and twenty (120) days of the date that the mechanical repair was made, or the reimbursement will be ineligible. If all of the documentation is submitted and the reimbursement is verified as being eligible by the administrator, the Member will receive a payment for 20% of the allowable mechanical repair costs up to $500 per mechanical repair, up to a maximum of $1,000 per 12-month membership period.
Aplus20AMRR-2024

Blanket Roadside Assistance
Terms & Conditions

The Roadside Assistance Benefit is provided and administered by Allied Dispatch Solutions, LLC d/b/a TrxNow (“Administrator”). Roadside Assistance is available twenty-four (24) hours a day. To arrange service for your vehicle, call our dispatch center toll-free at 1-855-203-0929 to request assistance, and the Administrator will send help to your vehicle from an authorized roadside service provider.

Covered Expenses: All expenses covered under the program are limited to One Hundred Fifty Dollars ($150.00) for any single claim, and include the following (collectively, the “Benefits”):

  1. Towing: When your vehicle is disabled due to mechanical breakdown, the Administrator will arrange for a roadside service provider to tow it to the nearest service facility.
    1. Nearest facility will be recommended by the CSS based on system information and the determination of the disablement location.
    2. Towing coverage for vehicles under 10,000lb GVWR “Light Duty
  2. Flat Tire Assistance: A flat tire will be changed with your spare If, for any reason, the spare is not usable, the lug nuts cannot be removed or the vehicle has two flat tires with one usable spare, towing will be provided in accordance with the towing provisions.
  3. Fuel Delivery Service: If the vehicle runs out of fuel, we will provide for the delivery of fuel needed at the disablement site. Specific brands or octane ratings cannot be promised. Does not cover the cost of fuel.
    1. Includes up to 3 gallons of fuel (cost of fuel or fluid paid by Customer)
  4. Lock Out Service: If your keys are locked in the vehicle, assistance will be provided to gain entry.
  5. Jump Start: Jump start service will be provided to start your vehicle.
  6. Winching/Extraction: If your vehicle is stuck in a ditch, mud or snow, but it is accessible from a normally traveled roadway, service will be given to winch the vehicle.
    1. Limited to 100 ft off a state-maintained roadway

Any expense incurred beyond $150 per event will be your responsibility to pay the Roadside Contractor.

Roadside Assistance Reimbursement: If for any reason the Administrator dispatch center cannot provide the Benefits, you must obtain authorization from the Administrator dispatch center to use the service provider of your choice. The Administrator will reimburse you up to $150 upon presentation of a paid service provider receipt. Authorization is required to be eligible for reimbursement.

Coverage Eligibility: Access to the Administrators dispatch services is unlimited, however reimbursement for Benefits provided is limited to $150 per claim.

Important: All roadside service providers are independent contractors and not agents or employees of the Administrator. Accordingly, the Administrator assumes no liability for any personal injury or damage to your vehicle resulting from the provision of Benefits and any such claims should be directed as the roadside service provider. By using the Benefits, you agree to indemnify and hold harmless the Administrator from any damages or claims (including claims made by third-parties) arising out of the provision of Benefits.

BENEFIT LIMITATIONS: The program provides service for most emergency situations but does not include:
  • Service if the operator is not with the disabled vehicle (however if you cannot remain with the vehicle for safety reasons, we will attempt to provide service.)
  • Service for vehicles with a manufacturer’s load rating capacity greater than one ton or with dual rear wheels
  • Towing or service on roads not regularly maintained including private property.
  • Installation or removal of snow tires and chains or dismounting, repairing, or rotating tires.
  • Vehicle storage charges, cost of parts and installation, products, materials, impounding, and additional labor related to towing.
  • Service to vehicles with expired safety inspection, license plate, and/or emission sticker if service is prohibited by law.
  • Service to vehicles that are not in a safe condition to be towed.
  • Service in areas not regularly traveled, beaches, open fields or other places that would be hazardous for service.
  • Charging a weak or dead battery.
  • Towing vehicles to a junkyard for disposal.
  • SPECIAL EQUIPMENT: This program provides one normally equipped service vehicle, one driver and one service call per disablement. Any additional personnel or special equipment is at the vehicle operator’s expense and is not reimbursable.

This Is Not Insurance

My Auto Expert™ Program Benefit Statement
 
The Protection Plan provides you access to the My Auto Expert™ benefit (“Benefit”), which is provided by Sonsio Administrative Services, Inc. (“Sonsio”).  The benefit is included as part of the Auto Protection Plan.  Your Benefit begins on the date of the Auto Protection Plan and continues for 12 months thereafter (“Benefit Period”).
 
What is My Auto Expert™?
My Auto Expert is a phone service that provides access to ASE Certified Automotive Technicians.  The expert, unbiased, and independent technicians of My Auto Expert offer general and emergency advice. My Auto Expert ASE Certified Automotive Technicians utilize automotive expertise as well as industry leading tools to assist you with questions related to the Covered Vehicle. 
 
Who is Eligible?
My Auto Expert™ may be utilized by you, your spouse, and your teenage drivers (18 years or older) in connection with the non-commercial private passenger vehicle(s) registered to you, or an eligible member of your household ("Covered Vehicle" or "Covered Vehicles").
 
What Are the Benefits?
Your benefits include access to the following services:
  • Validation & Second Opinions
    My Auto Expert technicians validate the mechanical diagnosis and recommended repairs provided by a repair facility. They will:
    • Speak with you directly and listen to your concerns related to your Covered Vehicle and the repair work proposed;
    • Speak with the technician at a repair facility, review their diagnosis and estimate for repairs to your Covered Vehicle;
    • Provide their expertise and opinion about the repair work proposed for your Covered Vehicle, and whether you are receiving the appropriate service for your Covered Vehicle. 
  • Repair Cost Estimator
    If you question an estimate quoted by a mechanic, My Auto Expert™ will analyze your estimate using the most current parts costs and labor rates for any region of the country.  My Auto Expert technicians will:
    • Provide you with an estimate for repair services based on your description of the problems you are experiencing.
    • Review the estimates you have received for the repairs to your Covered Vehicle to help you determine if you are getting a fair price.
  • Mechanical Diagnosis
    My Auto Expert technicians will help determine the potential issues negatively affecting your Covered Vehicle. If unable to provide a specific diagnosis over the phone, they will help narrow down possible issues and provide information which may be helpful to a repair shop.
     
  • Technical Assistance – Vehicle Features and Mechanical Problems  
    My Auto Expert technicians answer questions and provide guidance on features and basic ‘owner’s manual’ maintenance for your Covered Vehicle, including, for example, how to open the gas tank cover or how to get that new headlight bulb installed.
 
What Are the Limitations?
  • This service only provides advice based upon the information you provide.
  • My Auto Expert in no way guarantees the integrity of the actual repair work performed.
  • This service is not transferable.
  • This service is limited to the Covered Vehicle.  All commercial-use vehicles are excluded.

How Do I Use This Service?
  • Make sure you have your Benefit ID number ready when contacting My Auto Expert.
  • Call My Auto Expert toll-free 1-855-766-7462 by phone between the hours of 8:00 AM and 8:00 PM ET, Monday through Friday, and Saturdays from 8:00 AM to 5:30 PM ET; or
  • Send an email with your questions, invoices and/or estimates, and other applicable information to MyAutoExpert@Sonsio.com.  Make sure to include your full name and a phone number where My Auto Expert can reach you; or
  • Fax the information above to 1-866-597-9327.  Please make sure the pages are clear and legible before faxing.  Make sure to include your full name and a phone number where My Auto Expert can reach you.
 
 
Emergency Travel Expense Reimbursement

Definitions:
 
Administrator means cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080.

Member means the member of the Auto Protection Plan.  The Member must be of legal age, be a   licensed driver and have the same principal residence as is listed on the membership plan.
 
Vehicle means a motor vehicle of the four-wheel private passenger type, including station wagons, jeeps, trucks and SUV’s with a manufacturer’s rated load capacity of 1 ton or less, designed for use on public roads and not being used commercially. 
 
Disablement means the disablement of the Member’s Vehicle more than one hundred (100) miles from the Member’s primary residence and due to a mechanical breakdown or collision where the Member’s Vehicle cannot be driven under its own power and must be towed to a collision shop, auto dealer or auto service center where it is kept overnight for at least one night.
 
 
Benefit:
 
If a Vehicle owned and insured by the Member with the Member being the primary insured on the Auto Insurance Policy suffers a Disablement and the Vehicle cannot be driven safely under its own power, and subject to the Terms and Conditions of this benefit, the Member is entitled to be reimbursed a maximum benefit of $100 per night, up to a maximum of five (5) nights per twelve (12) month period for lodging expenses. The benefit only applies to overnight lodging where the Member has to pay for the room (e.g. hotel, motel, bed & breakfast, YMCA, etc.) and has the receipt or other documentation showing the name of the lodging facility, date(s) stayed and amount paid.
 
The Member is also entitled to be reimbursed a maximum benefit of $100 per day, up to a maximum of five (5) days per twelve (12) month period for meals. The benefit only applies to meals where the Member has to pay for the meal(s) and has the receipt or other documentation showing the name of the restaurant, date(s) of the meal(s) and amount(s) paid.
 
Exclusions:
 
No benefits will be paid in the event the Member’s:
  1. Disablement is due to a collision(s) involving speeding violations, criminal activity, and/or driving under the influence of non-prescription drugs or alcohol.
  2. Disablement repairs are not completed by a licensed facility.
  3. Disablement occurred within one hundred (100) miles of  his/her primary residence.
  4. Receipts don’t show the required information.
  5. Call to the Administrator does not occur within thirty (30) days of his/her Disablement.
 
To File a Claim: 
 
 The Member should call the Administrator at1-877-296-4892 within thirty (30) days of the date the Disablement occurred. The Administrator will mail a claim form to the Member to be completed and returned with the following required documentation:
 
  1. A copy of the towing bill showing company and date the Vehicle tow occurred.
  2. A copy of receipt showing what repairs were made to the Vehicle.  No claim will be paid without written documentation.
  3. Receipt(s) for all expenses to be reimbursed (hotel/motel, food) showing name of entity, dates lodging or meals occurred and dollar amount spent.
Any other documentation that the Administrator may reasonably request.
 
The completed claim form and required documentation should be mailed within ninety (90) days of the Disablement to the Administrator at:  Emergency Travel Expense, P.O. Box 7690, and St. Clair Shores, MI 48080

APG AUTO-09-15
rev 09.01.2017

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