Approximately 40% of all car buyers in the United States purchase a VSC when buying an automobile. On a claims frequency basis, your members are more likely to utilize their vehicle service contract than GAP, Life, and Disability combined.

Our programs allow you to provide industry leading coverage on virtually any vehicle having up to 125,000 miles at the time of contract issue regardless of when the vehicle was purchased.

If you are not offering this protection to your members you are forcing them to purchase an over-priced contract at the dealership or on the internet. Give your members the option of the same or better coverage at a fraction of the cost. Your members will greatly appreciate the convenience and professionalism of your organization.

VSC Benefits

• Contracts honored at any licensed repair facility in the U.S. and Canada
• Rental car, Towing and Trip Interruption coverage included
• Claims paid directly to repair facility with corporate credit card
• Coverage includes parts and labor
• Insured by an "A" Excellent Rated Insurance Company
• Transferable to new owner for increased resale value
• Peace of mind with protection from the high cost of automotive repairs

GAP offers protection against financial liability for your members while reducing potential credit losses for the Credit Union.

In the event your member's vehicle is deemed a total loss due to an accident or theft, their auto insurance policy will cover the fair market or actual cash value of the vehicle.

More than likely, the remaining balance on your member's loan will be more than their insurance settlement.

The difference, or "GAP" could cost them thousands of dollars.

GAP covers the Difference and up to $1000 of the primary insurance deductible.

Without GAP, your member may end up simultaneously paying for a totaled vehicle and its replacement.

With flexible term and MSRP% limits, we can custom build a program around your lending guidelines.

R.O.A.D. InTire
This program is a comprehensive tire and wheel repair and replacement guarantee. Coverage is not pro-rated, it is less expensive than traditional road hazard coverage – and there are no limits to the number of claims a member can make on their tires. All replacement tires purchased are covered for the term of the contract. In addition, members can have repairs and replacements completed at the location of their choice. InTire can also be offered as a standalone product.

Door Ding Protection
Paintless Dent Repair "PDR" is the highly-skilled craft of removing door dings, minor dents and hail damage from your car without the use of sand paper, body fillers or paints. Besides the obvious and bothersome cosmetic appearance, minor dents, door dings and scratches caused by road debris, shopping carts or other car doors in a parking lot, can significantly affect the value of your vehicle at either the time of trade-in or lease return. In the past the only alternative was to take your car to a body shop in order to have them repair the damage with the incurring loss of valuable time, car rental, and the high cost for the minor repairs. Paintless dent removal, paintless dent repair and paintless dent removal tools, combined with the skills of a technician who possess the craftsmanship, can save you hundreds of dollars.

Windshield Repair
Windshield repair is a process that combines modern technology and skill to fill a damaged area on a windshield with special clear adhesive resin. When this resin is cured, the damaged area's strength is restored as is most of the clarity. A professional technician will repair your damaged windshield instead of replacing it.

24/7/365 Nationwide Emergency Roadside Assistance
Towing and emergency roadside service including mechanical first aid, tire, battery, and delivery services, extricating service, auto accident towing and lockout service.

ASG's Credit Life and Disability Insurance program provides financial protection for your members' when they need it most.

An unexpected death or disability could leave your member's finances in jeopardy. Our Credit Insurance program provides a monthly benefit if your member becomes disabled or will pay off the remaining balance of their loan in the event of their death.

Our Credit Insurance provider is "A" rated by A.M. Best. Each program is available at affordable rates and can be tailored to meet your specific financial institution's needs. Our Credit Insurance carrier is selected based on their financial strength, stability, credit union experience and claims paying ability.

Our Lender-Placed CPI Program effectively insures consumer property loans which become uninsured or are uninsurable with a combination of the following coverages:

• All-Risk Physical Damage Coverage
• Automatic Coverage
• Waiver of Repossession Coverage
• Uncollected Premium Coverage
• Repossession and Return Expense Coverage
• Insufficient Insurance Coverage
• Confiscation Coverage
• Conversion (Skip) Coverage
• Instrument Non-Filing Errors and Omissions Coverage
• Repossessed Property Coverage

Our CPI provider streamlines insurance tracking by working with clients to establish insurance needs criteria on an individual loan and property level. By capturing and storing an inception-to-date history of all insurance transactions, lapse and deficiency notifications, policy and claim records in one location, InsTrack^SM allows you easy access to as much detail as is necessary to manage individual member service inquiries and serves as a risk management tool for executive level analysis of the overall picture.