MCA VS AAA

MCA Coverage vs AAA

MCA
Emergency Road Service*Your plan includes:

a.
Battery  Boost
b. Fuel Delivery
c. Tire Change
d. Lock-out
Service
e. Wrecker  Towing Service
f. And Much More!

Call the
toll-free number for MCA  authorized sign and go service. We will pay the
reasonable service charge for  garage or service provider whenever you are
prevented from driving your covered  private passenger vehicle. If we cannot get
this covered vehicle on its way  within 30 minutes, we will have it towed, up to
100 miles, to the destination of  your choice. Also, we will pay up to $100 to
provide Emergency Road Service on  RVs, Motorcycles, Trailers, and vehicle's
with a load capacity of 1 ton or  greater. (Dispatch only on
18-wheelers.)

Travel Assistance  Reimbursement**
When a
Member's car is disabled in an auto accident,  Motor Club will reimburse up to
$500 for rental car for an accident at home, or  up to $500 for lodging, meals,
and transportation when more then 50 miles away  from home.

Trip
Planning and Travel Reservations
MCA offers  free easy to read, step by
step computerized mapping services free of charge to  Members. Simply fill out a
Travel information card or call MCAs toll free  number. This includes places of
interest, resort, motel and hotel information  found along your route. You also
have a one-stop reservation service for airline  travel, car rental, and hotel
discounts.

Arrest Bond***
Your  Motor Club Membership card may
be used in lieu of cash bail up to $500 when  involved in a traffic violation. (
Although this certificate will be accepted in  many states, in some states
arrest bond certificates are not acceptable. In  Maryland the certificate is
acceptable for $1000, in other states they are  accepted for lesser amounts than
$500.) Not required in  California.

Bail Bonds***
MCA will
arrange up to a $25,000 bond  to release you when you are driving a vehicle and
charged with a moving traffic  law violation such as vehicular manslaughter or
auto related negligent homicide.  Simply call the toll-free number on the back
of your membership  card.

Attorneys Fees****
Motor Club of
America will pay up to  $2,000 for your attorney to defend you against police
charges resulting from  driving your covered auto:
1. Up to $200 for covered
Moving Violations
2.  Up to $500 covered auto related Personal Injury
matters
3. Up to $500 covered  Vehicle Damage issues
4. Up to $2,000 for
covered auto related Negligent  Homicide or Vehicular
Manslaughter

Attorney Discounted Hourly  Rates
Referral to a
Provider Attorney at $75 per hour for out-of-court  representation on personal
matters.

Attorney Services
Referral  to a Provider Attorney
for:
1) Telephone consultation on covered separate  legal personal
matter.
2) Letter written on your behalf for covered legal  personal
matters.

Legal Services Deeply Discounted Fixed Fee
  Schedule
Referral to a Provider Attorney for commonly used legal
services  at deep discounts:
1) Name Change ($155)
2) Simple Will and
Trust  ($170)
4) Waiver Divorce ($210)
5) Regular Incorporation
  ($295)

Stolen Vehicle Reward
MCA will pay a $5,000 reward for
  that protects your vehicle and discourages theft. The reward will be paid to
the  Law enforcement agency or individual responsible for information leading to
the  arrest and conviction of the thief. The reward is not payable to you, your
  family, or other members on your MCA membership.

Credit Card
  Protection
We will reimburse you for the financial loss which you
sustain  as the result of the loss or theft of your credit card(s) up to $50.00
for each  card registered with us at the time of the loss or theft, up to a
total maximum  of $1,000.00.

Discounts on Prescriptions, Vision Care,
and  Dental
Our discount card is an easy way to help you and your family
  receive discounts on all of your Prescription, Vision, and Dental needs. You
  received a unique membership card allowing you to receive up to a 65% discount
  on prescriptions, up to a 50% discount on vision, and up to a 50% discount on
  dental procedures.

Discounts on Auto Related Services Discounts
on  all routine maintenance services at participating location, including brake
  work, mufflers, wheel alignment, transmission work and more! Nationwide network
  of over 6,000 auto repair shops and service centers. A sample of Service
  Provider participants include:

Jiffy Lube (10%  off signature service)

MAACO Paint & Body  Shops (10% off paint and body service)

Precision  Auto Care ($10 off Lifetime Brake Service)

AAMCO  Transmissions (10% off services up to $50)

  Meineke Discount Muffler Shops (10% off services)

Indy Lube (10% off services)

Procare (10% off services)

Transmission USA (10% off services)

Oil Changer (10% off services)

Milex (10% off services)

  Mr. Transmission (10% off services)

Multistate  Transmission (10% off services)

Alta Mere  Industries (10% off window tinting and auto alarm
installation)

All Tune & Lube (10% off services)

Safelite Autoglass (10% off services)

Strauss Discount Auto (10% off regular prices on all  products and services
except tires)

Tuffy Auto  (10% off regular price on all products and services)

Monroe/Speedy (10% off regular price on all  services)
And thousands of other
facilities around the country!

When you are injured
in a covered accident that requires emergency  treatment or hospital admission
within 72 hours, MCAs Security membership  provides
:

Emergency Reimbursement Benefits
Receive  up to
$500 emergency cash for Emergency Room or Trama Center treatment received  due
to injury in a covered accident. Includes but not limited to cost for:
1.
  Cast or Splints
2. Lab Work
3. Nursing Service
4. Transfusions
5.
  Anesthetics
6. Doctor Care
7. IV's
8. Facility

Daily
Hospital  Benefit
$54,750 Hospital cash benefits. You will receive $150
per day  beginning the first day you are hospitalized as a result of a covered
accident  for up to 365 consecutive days.

Accidental Death
Benefit
As a  member, you may enroll, free of charge, in one of three all
accident AD&D  coverage's to suit your needs:
1. You, as named member, up
to $50,000;  or
2. You and your spouse, up to $25,000 each, plus job
retraining is  available for surviving spouse in many cases; or
3. You for up
to $30,000,  your spouse for up to $15,000, and your children up to $3,500 each.
Optional  benefits include job retraining for surviving spouse, continuing child
care and  continuing education support.
Coverage election form must be
completed and  returned to home office before coverage goes into
effect.

Coverage  provided by Zurich Insurance Company of North
America. See certificate of  participation for details.

Travel
Assistance Program
The  named member receives the Travel Assist
Program which assists worldwide  with issues such as:
1. Medical
Evacuation
2. Medical Repatriation
3.  Non-Medical Repatriation
4.
Return of Remains
5. Visit to Hospital
6.  Return of Child
7. Return of
Companion

Coverage provided by Zurich  Insurance Company of North
America. See Travel Assist Description of Coverage  for details..

MATRIX REWARD INCOME

This  is a
summary of services, please see service contract for exact  details.

*In
NY coverage is for service provided through our dispatch  center only.
**This
benefit is not available in NY.
***Bond benefits are  not available in CA and
NY.
****In NY benefit pays directly to our Provider  Attorney for services up
to the limit specified.

MCA Coverage vs AAA

AAA
1) Coverage Options and Details:
Basic
Membership-is a_nything but basic. Any time you get on the road, you can
drive assured with our renowned 24/7 Roadside Assistance. You can take advantage
of free perks like printed AAA TripTiks® routings and United States, Canada,
Mexico and Caribbean maps as well as online mapping at AAAMaps.com; AAA
TourBooks®; hotel and motel savings and worldwide vacation planning and
reservations. As a AAA member, you have access to a full range of automotive,
travel, entertainment and financial services as well as, auto, home and life
insurance products— not to mention many deals and discounts.

AAA
Plus® Membership-gives you more of a good thing. This level builds on
the Basic Membership benefits with extras like extended towing service, free gas
if you run out on the road, and additional lock-out service coverage. Plus, you
can enjoy greater reimbursements for road service that is not covered by your
membership, auto travel accident expense and more.

 2) About Emergency Road Service
Vehicles and
services covered under Basic, Plus or Plus RV Membership: Roadside
Assistance means 24-hour assistance for minor mechanical first aid; battery
service, tire change, out of fuel, lockout service, extricating and towing.
Roadside Assistance will be provided to you when the vehicle you are either
driving or riding in becomes disabled. The following types of vehicles are
eligible for service:

• Four-wheel motor-driven passenger vehicles (i.e. cars, vans and pick up
  trucks, including rented passenger vehicles) if those services can be safely
  delivered without using heavy duty equipment.


• Dual rear wheel unloaded pickup trucks are provided all services except tire
  service.


• Dual rear wheel campers and motor homes are covered for lockout, battery
  service and out of fuel services only. Additional services (such as towing and
  tire change services) are provided only if you have a Plus RV Rider Membership.
  

Additional Points:

• Your membership benefit cannot be transferred to or used by any other
  person.


• AAA will charge an additional non-refundable Immediate Service Fee if
  roadside assistance is requested at the time a Member joins or canceled Member
  renews with the Club beyond their Membership Grace Period.

Basic Member

• Entitled to 4 Roadside Assistance calls per member, per membership year for
  covered services, including up to $100 for auto lockout service.


• May have the vehicle towed to the responding AAA facility or any other
  destination, including the hookup & first 100 miles of towing, at no
  charge—additional mileage at member discounted rates.


• Tolls are not covered

• Entitled to 4 Roadside Assistance calls per member, per membership year for
  covered services, including up to $50 for auto lockout service.


• May have the vehicle towed to the responding AAA facility or any other
  destination, including the hookup & first 3 miles of towing, at no charge -
  additional mileage at member discounted rates.


• Tolls are not covered.

Plus Member



AAA Mid-Atlantic may arrange for service to Members who have exceeded their
“per membership year” allowance however Members will be required to pay for each
additional call at AAA Member discounted rates. There is a 7 day waiting period
from the time your payment is processed before you can receive Plus or Plus RV

• We have contracted with independent service facilities to provide Roadside
  Assistance. AAA shall not be liable for any damage, injury or loss occasioned by
  or resulting from rendering, attempted rendering, or failure to provide any
  Roadside Assistance or towing service or failure thereof by an independent
  service facility.


• The independent service facilities are not agents of AAA, nor is AAA an
  agent for them. They are solely responsible for their actions. Any arrangements
  you make for subsequent, non-emergency repairs are between you and the service
  facility.

 AAA Liability:



Additional Benefits:


Alternative reimbursement: If AAA Roadside Assistance is not
available and you obtain service from a non-AAA facility, you may submit your
request for reimbursement consideration up to the amount it would have cost AAA
to provide the covered service under similar circumstances. You must make every
effort to contact AAA to request service through Roadside Assistance first.
Requests must be submitted with the original receipt within 60 days of
service.*


*Some toll
roads and some limited access highways provide their own roadside assistance and
will not permit AAA to come to your assistance. You should request that they tow
your vehicle to their lot off the toll road so that you may contact AAA to
request service. In some instances some of the providers will accept your
membership card in lieu of payment to remove your vehicle from the toll road or
limited access highway. Otherwise, pay for the service and get an itemized
receipt, which you may submit to AAA for reimbursement consideration.


Trip Interruption expense
reimbursement:

Basic & Plus Members:

Your vehicle
must be involved in an accident in the United States or Canada, 100 miles or
more from home, while on a planned leisure trip which included at least 1
overnight stay. Vehicle must be disabled and inoperable for a minimum of 8 hours
(mechanical disablement excluded). You may request reimbursement for reasonable,
unanticipated costs of accommodations, meals and substitute transportation, up
to $200 for Basic Members and up to $700 for Plus Members. These expenses must
be incurred within 72 hours of the accident.
All requests for trip
interruption reimbursements must include a police report and original receipts
for expenses incurred.


Legal Defense Reimbursement: You
may qualify for reimbursement for attorney’s fees up to the amounts listed below
if you are charged with a listed motor vehicle violation to which you plead not
guilty throughout the proceeding. After final disposition, contact AAA to
request the necessary paperwork to apply for this benefit.

Criteria:

• Not guilty plea must be entered and maintained


• Not eligible if you plead guilty to a lesser charge


• Submit original bill from attorney and copy of final disposition


• Not eligible if convicted of illegal conduct, such as driving under the
  influence of alcohol or drugs; evading police; hit and run; or theft of a
  vehicle

Moving Traffic Violation:

Basic
- Representation in Primary Court –
up to $50;
- Representation in any Higher Court – up to $75;
- Maximum
combined benefit $125



 Assault & Battery by Automobile:

Basic
- Representation in
Primary Court – up to $100;
- Representation in any Higher Court – up to
$150;
- Maximum combined benefit $250


- Maximum combined benefit $500


Manslaughter by Automobile:

Basic
- Representation in Primary Court
– up to $400;
- Representation in any Higher Court – up to $600;
-
Maximum combined benefit $1,000

Crime Prevention: A reward will be
offered for information and testimony provided by a person, unrelated to the
Member, which leads to the arrest and conviction of anyone who steals or
vandalizes your vehicle. Basic Membership Reward – total of $1,000 regardless of
number of witnesses. Plus Membership Reward – total of $2,000.