Available Protection Program


Vehicle Maintenance Programs:
  
    A mechanical breakdown policy that covers the costs of parts and labor for covered repairs. Available with various coverage levels and deductible options. May also include rentalcar reimbursement and towing allowance.

Vehicle Maintenance Programs:
 
    Prepaid maintenance programs that may include oil and filter change, 20-point inspection, fluid top-off routine lubrication and tire rotation with every other visit. Available in various terms and mileage intervals.

Vehicle Lease Protection:

   
Tire & Wheel and Roadside Assistance Program:

    Covers the repair or replacement of your tires and/or wheels due to damage from a road hazard. Includes the cost of mounting, balancing, valve stems, labor, and sales tax. Provides 24 hour roadside assistance that includes change of flat tire, delivery of gas, oil, or water, jump start, locksmith service, and towing.

Guaranteed Auto Protection (GAP):

    Will pay or waive the difference between the actual cash value and net loan payoff in the event your vehicle is a total loss due to fire, theft, or collision. May also include payment of your insurance deductible.

Credit Insurance:

     Credit insurance does more than help pay off or reduce your loan-it also gives you a piece of mind. It relieves your family-and your credit history- of the burden of an unpaid debt.

     ~ The Problem:
         
     If you should die or become disabled, the financial commitment you made on your loan still remains. Unfortunately, many families in the situation have no choice but to:
   
     - Deplete their savings
     - Fall behind in their loan payments
     - Damage their credit rating

     Families also face a challenge when a primary income-earner dies. You may already have life insurance, but more than likely,  you intended this money to support your family, not to pay off your outstanding loans.

     ~ The Solution:

      Fortunately, credit insurance from Central States Health & Life Co. of Omaha (CSO) is an important step you can take toward protecting yourself and your family from unnecessary financial burdens.

     ~ Your Benefits:

         - We pay directly to your creditor
         - Benefits are not taxable
         - In the event you notify us that you paid off your loan early, your             unearned insurance premium will be refunded or credited to your loan


     ~ Disablility Coverage:

             -We pay benefits when you are totally disabled due to a covered                 sickness or injury.
             - We pay benefits even if you are at home under a doctor's care.                 Hospitalization is not required.
             - We continue benefits until your doctor releases you from total                 disablility or you return to work.
    
     ~ Life Coverage:

              Credit life insurance pays off or reduces the loan balance in the event of death due to a covered sickness or injury.

Appearance Protection Program:

    Protects the exterior finish of your vehicle from oxidation and the elements, and the interior from staining, fading, and aging. There is up to 5 years limited warrany on covered damage.
    Xzilon-molecular adhesion-the ultimate auto protection, will help protect your appearance of your investment! Xzilon can help...

  ~ Vinyl & Leather Protector:
          - High quality Mink Oil keeps Vinyl & Leather soft adn supple
          - Protects against fading and weather aging
          - Unlike other protectors, Xzilon leaves no oily or greasy residue
          - Leather will retain its natural luster & sheen

  ~ Exterior Protectant
          - Reduces frequency of car washing
          - Filters harmful ultraviolet rays
          - Resists bird dropping and graffiti
          - Resists water spotting
          - Resists industrial fallout
          - Resists rust spots
          - Resists acid rain
          - Resists tree sap
          - Reduces brake dust on wheels
          - Resists oxidation and fading        

  ~ Fabric and Carpet Protector
          - Protects against water & oil-based spills
          - Increases tensile strength of the fabric to add years of life
          - Will not alter fabric appearance or texture
          - Fabric will clean easier, look better & last longer

   ~ The Finest Name in Automotive Chemical Sealants
           - Ultimate warranty coverage
           - Over 70 years in the automotive chemical industry
           - Assists in keeping your vehicle's resale value
           - Keeps your auto looking "showroom" new
           - All warranties completely transferable


Theft Protection Program - Data Dots:

    A vehicle marking program that deters thieves from stealing your vehicle for parts. Pays a cash benefit of $5,000 if your vehicle is stolen and not recovered or deemed a total loss when recovered.
    Data Dots can help you protect your investment! Professional thieves steal vehicles they can sell quickly and easily. They will not steal a vehicle thay cannot sell. By installing the DataDots, you make it harder for a thief to sell you vehicle, and therefore, a far less desirable target.
   Each Vehicle is marked with thousands of DataDot laser etched with a unique identifying number registered with the Insurance Services Organization (ISO), a widely recognized database for law enforcement officers in North America.