New Vehicle Core Coverage
New Vehicle Total Loss Benefit.
Optiom Prime 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 of price protection
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 Vehicle Core Coverage
Used Vehicle Total Loss Benefit.
Optiom Plus will pay the difference between the market value of your vehicle at the time of loss and your vehicle’s value when the policy started.
- Up to $60,000 over your primary insurer’s policy
- Up to 60 months of price protection
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.
