Motor Club of America Plans

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We all know how life happens. Cars run out of gas, batteries die, and even the safest of drivers get into both major and minor car accidents. When the unexpected happens, rest assured knowing that MCA has you covered. Regardless of what the case is, rely on MCA to deliver peace of mind when you need it the most.

The membership plans from Motor Club of America provide the service you deserve, and the peace of mind you most desperately want when the unexpected occurs at home, on the road or at the job. Your coverage is not only limited to roadside assistance, but you also have the added assurance of personal accidental coverage, emergency room benefits, discounts on prescription drugs, dental care and vision care. Help is literally a phone call away.

MCA provides top notch customer service and a variety of packages to best suit your needs and budget. When you join MCA, you are in good company…over 7,000,000 motorists rely on MCA’s 86 years of experience to protect them.

When you purchase a Total Security plan from MCA, your coverage begins 24 hours after your payment has been processed. As a member, you’re never locked into a contract. Members are welcome to cancel their accounts at anytime, without any hidden or cancellation fees. Full refunds are granted within 72 hours, and half refunds are granted within 30 days of activating your Total Security membership. 

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MCA Coverage Features

Unlimited Roadside Assistance

As a member, you will receive unlimited roadside assistance, unlike our competitors which will only provide you 2-4 service calls per year. Unlimited roadside assistance means 1 service call per day through the entire year. You will also receive 100 miles per tow, unlimited lockout service, unlimited fuel delivery, unlimited tire changing, unlimited battery boosting, and unlimited lockout services. MCA will tow your vehicle to the destination of your choice. As a member, you will not have to pay out of pocket with reimbursement hold times. All you do is sign the required paperwork and your good to go. Our unlimited roadside service protects you, not your vehicle. What that means is no matter who’s vehicle your driving, you can always give us a call if you need assistance. MCA will also pay up to $100.00 to provide Emergency Road Service on RVs, Motorcycles, Trailers, and vehicle’s with a load capacity of 1 ton or greater.

Travel Assistance Reimbursement

When a members vehicle is disabled in an auto accident, Motor Club of America will reimburse up to $500.00 for a rental car, lodging, or meals if the incident happened more than 50 miles away from the registered home address on your account. To be reimbursed, simply give us a call to receive your claim form, and submit the required information to us within 90 days.

Planning and Travel Reservations

MCA offers free and easy to read, step by step computerized mapping services free of charge to our members. Simply fill out a Travel information card or give us a call. 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 Bonds

Your Motor Club Membership card may be used in lieu of cash bail up to $500.00 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 $1000.00, and in other states they are accepted for lesser amounts than $500.00. Simply give us a call at the toll free number located on the back of your membership card to receive the assistance you need.

Bail Bonds

MCA will arrange up to a $25,000.00 bond to release you from incarceration if you’re 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 to receive assistance. Our legal department will provide the best assistance possible to release you from incarceration.

Attorney Fees

Motor Club of America will pay up to $2,000.00 for your attorney to defend you against police charges resulting from driving your covered auto:

  • Up to $200.00 for covered moving violations (non-criminal)
  • Up to $500.00 covered auto related personal injury matters
  • Up to $500.00 covered vehicle damage issues
  • Up to $2,000.00 covered negligent homicide | vehicular manslaughter

Stolen Vehicle Reward

MCA will pay a $5,000.00 reward to the law enforcement agency or individual responsible for providing the accurate information leading to the arrest and conviction of the person(s) responsible for the crime. The reward is not payable to you, your family, or other members on your MCA membership account.

Credit Card Protection

Identity theft has become more prevalent. If you ever become a victim, MCA will cover financial losses of up to $1000.00 plus work with you to help you recover from the act.

Hotel | Rental Car | RX | Vision | Dental
Our discount card is an easy way to help you and your family receive discounts on all of your Prescription, Vision, Dental needs, Hotel, and Rental Car needs. You received a unique membership card allowing you to receive up to:

  • 65% discount on prescriptions at the most popular pharmacies
  • 50% off dental procedures
  • 50% off eye wear and eye exams
  • 50% off rental cars at all of the most popular rental car agencies
  • 15% off major hotel and motel chains

Emergency Reimbursement Benefits

Members receive up to $500.00 in emergency cash for Emergency Room or Trauma Center treatment. This benefit will only be covered due to injury in a covered accident. Includes up to $100.00 in cost for each of the following:

  • Cast or Splints
  • Ambulance Service
  • Anesthetics
  • X-Rays
  • ER Facility

Daily Hospital Benefit

Receive up to $54,750.00 in hospital cash benefits. That means as a member, you will receive $150.00 per day beginning the first day you are hospitalized as a result of a covered accident. MCA will cover your hospital stay up to 365 consecutive days. Once discharged, you have up to 90 days to file a claim.

Accidental Death Benefit

As a member, you may enroll, free of charge, in one of three accidental death coverage’s to suit your needs:

  • Yourself, as the named member, up to $50,000.00
  • You and your spouse, up to $25,000.00 each, in addition to job retraining for the surviving spouse
  • Yourself up to $30,000.00, your spouse up to $15,000.00, and your children up to $3,500.00 each. Optional benefits include job retraining for the surviving spouse, continuing child care and continuing education support.

The coverage election form must be completed and returned to our corporate office before coverage goes into effect.

Select a MCA Plan for More Details!

*Plans Below are Not Available in North Dakota