Benefits

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

Total Loss Deductible Reimbursement.

Total Loss Benefit

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

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.

Total Loss Benefit - used