Stay Covered, Drive Confident

As your vehicle gets older and the miles pile up, repair costs can take a big bite out of your budget. Mechanical Repair Coverage (MRC) helps ease that burden by covering costly repairs—so you can keep your car on the road and your finances in check. Protect yourself and your loved ones with affordable coverage when you finance your vehicle through Community Focus FCU.

Why Choose MRC?

• Three plan options: Platinum, Gold, or Silver
• Choose your deductible
• Rental reimbursement included
• 24-hour emergency roadside assistance
• Travel expense reimbursement if you’re stranded away from home
• Valid at any authorized repair facility in the U.S. or Canada
• No out-of-pocket costs (except deductible)
• Transferable coverage to boost your vehicle’s resale value
• Cancel within 60 days for a full refund*

Mechanical Repair Coverage: Quick FAQs

Q: What is Mechanical Repair Coverage (MRC)?
A: MRC helps cover the cost of unexpected vehicle repairs, protecting your budget as your car gets older.

Q: What plans are available?
A: You can choose from three levels—Platinum, Gold, or Silver—depending on the coverage that fits your needs.

Q: Can I pick my own repair shop?
A: Yes, MRC is accepted at any authorized repair facility in the U.S. or Canada.

Q: Does it cover rental cars or roadside emergencies?
A: Yes! Rental reimbursement, 24-hour roadside assistance, and travel expense reimbursement are all included.

Q: What happens if I sell my car?
A: Your coverage is transferable, which may increase your vehicle’s resale value.

Q: Can I cancel my coverage?
A: Yes, you can cancel for a full refund within 60 days (if unused). After that, refunds are pro-rated minus administrative fees.

*Full refund available only if coverage is unused in the first 60 days. If used or cancelled after 60 days, refund is pro-rated less administrative fee. Cancellation administrative fees vary by state.