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New Vehicles

NEW VEHICLE TOTAL LOSS BENEFIT

Optiom Plus will pay the difference between the market value of your vehicle at the time of the loss and the MSRP of a brand new, equivalent model replacement vehicle.

  • Up to $80,000 over your primary insurer’s policy
  • Up to 84 months coverage

TOTAL LOSS DEDUCTIBLE REIMBURSEMENT

If you have to pay a deductible on your primary auto insurance policy, Optiom Plus will reimburse you up to $500 if your car is written off.

Used Vehicles

USED VEHICLE TOTAL LOSS BENEFIT

Optiom Plus will pay the difference between the market value of your vehicle at the time of the loss and your vehicle’s value at policy inception

  • Up to $60,000 over your primary insurer’s policy
  • Up to 60 months coverage

TOTAL LOSS DEDUCTIBLE REIMBURSEMENT

If you have to pay a deductible on your primary auto insurance policy, Optiom Plus will reimburse you up to $500 if your car is written off.