About us
Coverage Details
Your coverage
In the event of a total loss*, Vehicle Replacement Insurance (VRI) offers you security in knowing your vehicle will be replaced, subject to the terms of your policy.
A new set of keys in hand
In the event of a total loss*, VRI gets you in and out of the dealership with a new vehicle, subject to availability, even if your original vehicle is an older model.
Depreciation protection
Vehicles depreciate greatly from the moment you drive them off the lot. VRI covers the lost value.
Protect your new vehicle purchase
Typical auto insurance policies** don't cover depreciation loss
In the event your vehicle is totaled, a standard auto insurance policy will only cover the vehicle’s current market value leaving you to pay for the difference.
Even if your vehicle is paid off, you’re still at a loss regarding depreciation costs. VRI eliminates those financial losses and replaces, subject to the terms of your policy, your totaled vehicle with a new vehicle of the same make and model, subject to availability.