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AAP

Auto Advantage Program

To better serve our members — and their major purchases — Ripco has partnered with Assurance Plus, a provider of innovative insurance solutions. Our Auto Advantage Program (AAP) helps protect your car loans.

Auto Deductible Reimbursement

AAP pays up to $500.00 per loss* (unlimited losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the member owns or leases, evidenced by the title, registration or loan document, and insured under an auto insurance policy designating the member as the named insured.

Coverage is effective upon the date of enrollment and will continue for two years depending on the benefit period provided.

If the member suffers a loss during the benefit period that is covered by the member’s auto insurance policy, the member may be entitled to reimbursement of the auto insurance policy deductible amount up to $500.00 per loss. To be eligible for reimbursement, the member must own or lease and insure the covered auto under an auto insurance policy designating the member as the named insured.

*Loss is defined as an event for which the auto insurance company has approved and paid a collision or comprehensive claim that exceeds the auto insurance policy deductible for the covered auto.

Exceptions

The auto deductible reimbursement benefit does not apply if:

How to File a Claim

Call the Claims Administrator at 1-877-296-4892 or go to www.assuranceplus.com/claims to request a claim form. Notice of the loss must have been provided to the Claims Administrator within 90 days of the date of loss but in no event later than one year from date of loss.

To process a claim, the Claims Administrator must be sent a completed and signed claim form, along with the following required documents within 180 days of the date of loss but in no event later than one year from date of loss:

Personal ID Restoration Consulting

With Personal ID Restoration Consulting, you now have the peace of mind of knowing that a professional is standing ready to help restore your good name if identity theft strikes.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.

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