Is Motor Club of America auto insurance?
Motor Club of America provides roadside assistance and other benefits to its members for a monthly fee between $9.95 and $19.95. MCA does not offer auto insurance.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Oct 21, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Services like the Motor Club of America can be helpful to drivers. They offer various benefits to drivers to assist with problems you could encounter on the road. For more information, read this National Motor Club Auto Insurance Company review.
While the Motor Club of America does not offer insurance options, their services—such as roadside assistance, bail bonds support, and legal plans—can be beneficial in the event of a car crash or other roadside emergency. For insights into how these services compare, you can check reviews of motor club insurance companies.
Drivers might easily confuse the services offered by the Motor Club of America and other auto clubs and associations. Finding oneself stranded on the roadside due to a flat tire or an empty gas tank can be an alarming and challenging experience. Many individuals seek the assurance of receiving immediate assistance in such scenarios. For those needing additional support, the phone number for AAA Insurance can provide valuable resources, and understanding the charge for an AIC Motor Club membership can help clarify the available options.
These types of services do not provide car insurance. They are supplemental programs that you can opt to join for a different, additional type of protection as you drive than that provided when you purchase auto insurance.
Auto insurance is required in nearly every state. Membership in Motor Club of America or similar programs does not fulfill this legal requirement, putting you at risk. Additionally, these programs do not offer protection for you, other drivers, or passengers in the event of an accident. For specific assistance, you can use the customer service contact for AIC Motor Club. It’s important to remember that insurance services provided by motor club companies differ from standard auto insurance policies.
To make sure you have the insurance you need, you can shop online for the best choice for you. Use an online comparison tool to find and compare offers from an array of car insurance corporations and select the one that fits your need for value and coverage.
- Motor Club of America provides a roadside assistance program and other services for drivers
- While these benefits can be valuable, they are not car insurance
- Auto insurance is mandatory in almost every state in order to protect you and other drivers
- It is illegal almost everywhere to drive without insurance
- If you join MCA, you will also need to purchase or maintain car insurance
What is the Motor Club of America?
The Motor Club of America is an automobile club that is usually sold through direct and network marketing. It offers memberships to people throughout the United States and Canada. The company reports that it has been in business since 1926 and has millions of members. It is not dissimilar to other automobile clubs and associations that provide services to their members for an annual or monthly fee.
People can determine whether membership in a roadside assistance program pays off for them not only in their likely frequency of use but also in the amount of peace of mind provided by the assurance that if you do run into an emergency, you can call the program for help.
Many people who frequently drive alone or at night like to be assured of a roadside assistance option.
Alternative options for roadside assistance providers encompass other automobile clubs and associations offering similar services, some car insurers that include roadside assistance in their plans, automobile dealerships, and credit card companies. For more details, you can visit the official website of Motor Club of America. They also provide information about loans offered by Motor Club of America and have independent agents for MCA to assist you.
Because roadside assistance is a desirable perk, it can be part of the services offered by an array of companies.
Some car insurers include roadside assistance in your premium. When you shop online and compare the options available to you, you can choose a car insurance package that bundles roadside assistance with your liability, collision and comprehensive coverage. Online tools can help you find an insurer that is right for you.
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What other services are offered by MCA?
Motor Club of America does provide member services other than roadside assistance. Some of the other benefits of membership in the program include the following:
- Travel assistance – Reimbursement for a rental car, lodging or other expenses if a member’s vehicle is rendered inoperable in a car crash.
- Travel planning and reservations – Map and GPS guides, places of interest and hotel guides for a planned trip.
- Arrest bonds – Arrest bond certificates valid in some states instead of bail for a traffic offense.
- Bail bond support – Arranging bail bonds in case you are arrested and jailed for a moving violation on the road.
- Attorney fee support – Funds toward an attorney if you are charged with a violation while driving your car.
- Reward for a stolen vehicle – Money offered as a reward for someone who turns in the person responsible for stealing a member’s car.
- Credit card protection – Identity theft protection for misuse of your credit.
The service also provides some additional support for hospital and emergency room costs as a result of a car accident while driving. While these services are valuable to many drivers, they do not provide the same type of protection that auto insurance does.
For membership benefits with Motor Club of America, a basic plan is available for $9.95 per month. An upgraded plan, which includes additional towing support, costs $19.95 monthly. Many memberships are sold through a direct marketing system by friends and family members. For more details or to report potential scams, you can contact the phone number for Motor Club of America.
What about car insurance options?
While MCA can seem to include some of the benefits that you receive from auto insurance, it is not the same type of coverage or support, and holding MCA membership is not sufficient to comply with state laws requiring car insurance.
In every state, you are responsible for the damages that you could cause when driving, and in 49 of 50 states, this means a mandatory car insurance policy. Even when you own your car outright, you must purchase a basic liability insurance policy.
This type of insurance provides coverage for the personal injuries and property damage of other drivers if you have a car accident while driving.
In many states, mandatory liability coverage also includes some medical insurance coverage for injuries for yourself or your passengers or uninsured motorist coverage that provides reimbursement if you are hit by another vehicle whose driver is illegally uninsured.
It is illegal to drive without having liability insurance. Because it is not a substitute for car insurance, Motor Club of America does not include any liability coverage at all. There different coverage types provided by car insurance.
Many drivers also choose to purchase additional forms of auto insurance coverage for maximum protection.
If your car is not fully paid off, these types of insurance are often mandated in the agreement with the car lender as well.
Collision coverage provides reimbursement for damages to your vehicle as a result of an accident or crash involving another vehicle or object. This kind of coverage protects you even when you are at fault and includes damages in the case of a single-car accident, hitting a pothole or running into a tree as well as crashes with other cars and vehicles on the road.
In addition, comprehensive coverage is another type of policy option that many drivers choose to include in their car insurance. This policy option provides coverage for damages to your vehicle that are not caused by a collision.
The types of matters covered under comprehensive insurance include fire damage, flood damage, vandalism, falling rocks or trees, theft, natural disasters and weather damages from incidents like tornadoes, hail storms, rain storms, hurricanes and other events.
Comprehensive insurance is the type of insurance that protects you in the case of sudden or catastrophic incidents not caused by a car crash.
There are other types of policy options that you can add to your auto insurance, including roadside assistance, glass coverage and insurance for custom and performance additions to your car. People leasing a vehicle or buying one new off the lot may also wish to purchase GAP insurance, which covers the difference between the value of the car and the remaining lease or purchase balance in case of damages.
Some car insurers may offer optional, add-on or included benefits similar to those offered by the Motor Club of America. You can also check to see if you are eligible for similar perks from a credit card or membership in another association. However, even if you choose to join MCA for the protections it offers, you still need standard car insurance for your protection, the protection of others and in order to obey the law.
These protections can only be ensured by purchasing an auto insurance policy. Online shopping makes it easy for you to look at the various options provided by car insurers and choose the one that’s right for you.
According to BBB, Motor Club of America Enterprises has only 15 complaints in the last 3 years, out of which 6 complaints were closed in the last 12 months.
You can compare premiums and coverage types to find the best car insurance choice for you and your vehicle.
Frequently Asked Questions
Can I use Motor Club of America’s attorney fee support for non-driving-related legal matters?
Motor Club of America’s attorney fee support is typically intended for legal matters related to driving violations or incidents. It’s recommended to review the terms of your membership or contact the company directly to understand the scope of their attorney fee support.
Are there age restrictions for joining Motor Club of America?
Motor Club of America may have specific age requirements for membership. Some clubs or associations may only offer membership to individuals who are at least 18 years old. It’s advisable to review their membership guidelines or contact them for more information.
Can I upgrade my basic Motor Club of America membership to include towing support?
Yes, Motor Club of America often offers upgraded membership options that include additional benefits such as towing support. You can inquire about upgrading your membership by contacting the company directly.
Can I use Motor Club of America services outside of the United States and Canada?
Motor Club of America’s services are typically available within the United States and Canada. If you plan to travel outside these regions, it’s advisable to inquire about the availability and extent of their services in the specific country or region you’ll be visiting.
Does Motor Club of America offer coverage for motorcycle riders?
Motor Club of America primarily focuses on providing services for automobile drivers. While they may offer some benefits that could be useful to motorcycle riders, it’s recommended to check with the company directly to determine the extent of their coverage for motorcycles.
Can I cancel my Motor Club of America membership at any time?
Yes, you can usually cancel your Motor Club of America membership at any time. However, it’s advisable to review the specific terms and conditions of your membership for cancellation policies and any potential fees.
What is motor club insurance?
Motor club insurance is a type of coverage provided by automobile clubs that offers services such as roadside assistance, towing, and other benefits. It is often confused with auto insurance, but it does not replace the need for traditional auto insurance coverage.
How many miles does Allstate’s towing coverage include?
Allstate’s towing coverage usually offers up to 10 miles for towing. However, coverage limits can differ based on the specific policy or state regulations. It’s advisable to review your policy details or contact Allstate for precise information. Additionally, explore the discounts available with Allstate Motor Club and the various membership options for Allstate Motor Club for more comprehensive coverage benefits.
How much insurance does $9.95 a month buy?
A membership with Motor Club of America at $9.95 a month offers access to roadside assistance and other services, but it does not include auto insurance. The amount of coverage you receive depends on the specific benefits outlined in the membership plan.
Is AAA an insurance company?
AAA (American Automobile Association) is more than an insurance company; it is a federation of motor clubs offering a wide range of services such as roadside assistance, travel services, and insurance products. AAA is renowned for its member benefits and provides auto insurance through its affiliated insurance providers. For assistance with payments, members can use the phone number for paying AAA bills.
Is Motor Club of America still in business?
Yes, Motor Club of America (MCA) is still in business. It continues to offer its membership services, including roadside assistance and other benefits, to customers across the United States and Canada.
What happened to Motor Club of America?
Motor Club of America (MCA) has experienced various changes over the years, including shifts in marketing strategies and service offerings. It has faced some criticism and legal challenges but remains operational, providing roadside assistance and other member benefits.
What is a motor club?
A motor club is an organization that provides a range of services to its members, such as roadside assistance, towing, travel discounts, and legal support related to driving. Motor clubs are typically available for a monthly or annual fee and offer benefits beyond standard auto insurance.
What is AIC Motor Club?
AIC Motor Club refers to a specific motor club or automobile club offering services and benefits similar to other motor clubs. The exact services and benefits would depend on the details provided by the AIC Motor Club organization.
What is Continued Mobility Motor Club?
Continued Mobility Motor Club is a type of automobile club that focuses on providing roadside assistance and other mobility-related services. The specifics of what they offer would be detailed in their membership plan and service agreements.
What is Motor Club of America?
Motor Club of America (MCA) is an automobile club offering a range of services such as roadside assistance, towing, legal support, and other member benefits. It does not provide auto insurance but complements it with various support services.
What is the motor club insurance company in Connecticut?
Motor Club insurance companies in Connecticut provide various roadside assistance services and membership benefits, but they do not typically offer auto insurance. Examples include AAA, which operates in many states including Connecticut, offering roadside assistance and other member services.
Is there an AIC Motor Club charge on a credit card?
Yes, AIC Motor Club may charge membership fees or other services to a credit card. The specific billing practices would be detailed in the membership agreement or terms provided by AIC Motor Club.
What services does the American Auto Club Insurance Agency offer?
The American Auto Club Insurance Agency offers a range of services including auto insurance, roadside assistance, travel planning, and discounts on various services for its members. The exact offerings may vary depending on the club and location.
What does Allstate’s roadside assistance cover?
The app for Allstate Motor Club provides access to roadside assistance services, including towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance. The benefits of Allstate Motor Club Membership can vary depending on the specific policy, with different coverage limits and details.
What are the MCA insurance services?
Motor Club of America (MCA) provides various member services such as roadside assistance, towing, legal support, and emergency travel services. MCA does not offer traditional auto insurance.
What do Motor Club of America reviews say?
Motor Club of America (MCA) reviews generally highlight the value of its roadside assistance and other member benefits. However, some reviews may criticize its customer service or marketing practices. Overall feedback varies based on individual experiences.
What does the Mississippi automobile club bond of $15 cover?
The Mississippi automobile club bond of $15 typically covers the financial obligations of an automobile club in case of failure to meet its contractual commitments. It ensures that the club adheres to state regulations and provides promised services.
What services does Liberty Motor Club roadside assistance provide?
Liberty Motor Club roadside assistance provides services such as towing, battery jump-starts, flat tire changes, and emergency fuel delivery. Additional benefits may include lockout services and travel planning assistance.
What is the California Motor Club?
The California Motor Club, often affiliated with AAA, offers a variety of services including roadside assistance, travel discounts, insurance products, and member benefits tailored to drivers in California.
What insurance does East Coast Motor Club offer?
East Coast Motor Club provides auto insurance options along with membership services like roadside assistance and travel benefits. The specific insurance products available can vary by location and membership level.
What does Erie’s roadside assistance include?
Erie’s roadside assistance typically includes services such as towing, battery jump-starts, flat tire changes, fuel delivery, and lockout assistance. Coverage details can vary based on the policy and location.
What services are provided by Geico Motor Club?
Geico Motor Club offers services such as roadside assistance, towing, battery jump-starts, flat tire changes, and lockout assistance. Membership benefits may vary based on the specific plan and geographic location.
What does the Tennessee automobile club bond of $20 cover?
The Tennessee automobile club bond of $20 ensures that the automobile club meets its obligations and provides the services promised to its members. It acts as a financial guarantee to cover any potential defaults.
Does MCA offer health insurance?
No, Motor Club of America (MCA) does not offer health insurance. MCA focuses on providing roadside assistance, legal support, and other travel-related services rather than health insurance.
What is the Nation Motor Club gap cancellation policy?
The Nation Motor Club gap cancellation policy typically outlines the terms for canceling a gap insurance policy, including any potential refunds or fees. Specific details would be provided in the policy documentation.
What does Chicago Motor Club insurance include?
Chicago Motor Club insurance, often associated with AAA, includes various coverage options such as auto insurance, roadside assistance, and member benefits tailored to drivers in the Chicago area.
What services does Roadway Motor Club offer?
Roadway Motor Club offers services such as roadside assistance, towing, battery jump-starts, flat tire changes, and emergency fuel delivery. The exact benefits can vary based on the membership plan.
What benefits does Liberty Motor Club provide?
Liberty Motor Club provides benefits such as roadside assistance, towing, battery jump-starts, flat tire changes, and lockout services. Membership may also include travel discounts and other perks.
What does Travelers Motor Club offer?
Travelers Motor Club offers a range of services including roadside assistance, towing, battery jump-starts, and emergency fuel delivery. Membership benefits may also include travel-related services and discounts.
What are the reviews for State Farm’s cross-country Motor Club?
State Farm’s cross-country Motor Club reviews generally focus on the quality of its roadside assistance, coverage options, and customer service. Reviews may vary based on individual experiences with the service.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.