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Benefits 2018-06-04T20:10:25+00:00


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 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 membership.


Roadside-Assistance1UNLIMITED Security Roadside Assistance

As a member of our Security plan, 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 throughout the entire year. If we’re unable to get your 4 wheel passenger vehicle back on the road safely, it will be towed to the nearest service facility. You will also receive unlimited lockout service, unlimited fuel delivery, unlimited tire changing, and unlimited battery boosting. As a member of our Security plan, you will not have to pay out of pocket with reimbursement hold times unless you prefer to have your vehicle towed to the destination of your choice. All you’ll have to do is sign the required paperwork and you’re good to go. Our unlimited roadside service protects you, not your vehicle. What that means is no matter who’s vehicle you’re driving, you can always give us a call if you need assistance. By upgrading to our Total Security plan, 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. With our Total Security plan, you may also have your 4 wheel passenger vehicle towed to anywhere you desire, not just the nearest service facility.

Travel-Assistance-Reimbursement1Travel 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-Reservations1Planning 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-Bonds1Arrest 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 $1,000.00, 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-1Bail 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-Fees1Attorney 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:

1. 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-Reward1Stolen 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-Protection1Credit 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.


Prescription-Drug-Vision-Care-and-Dental-Discounts-1Hotel | 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-Benefits1Emergency 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
ER Facility


daily-benefits1Daily 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-Benefit1Accidental Death Benefit

As a member, you may enroll, free of charge, in our $10,000 Accidental Death Coverage. You may upgrade to our Total Security package to receive additional coverage up to $50,000.

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


Price: $9.95 Per Month

Every benefit listed above is included in your Security membership.

Requires first and last months payment at checkout

Today’s Total: $19.90

Join MCA Protection


Price: $14.95 Per Month

Offers the same coverage as our Security package with the following additional benefits:

Emergency Room & Daily Hospital benefits will include coverage of any type of accident (does not have to be auto related)

Requires first and last months payment at checkout

Today’s Total: $29.90

Join MCA Protection


Price: $19.95 Per Month 

Offers the same coverage as our Security & Security Plus packages with the following additional benefits:

  • Up to 100 miles of towing per service call
  • Customer can pick any destination to have the vehicle towed
  • RV’s, Motorcycles and trailers included with coverage to up $100.00
  • As a member, you may enroll, free of charge in one of three all accident AD&D coverage’s to suit your needs:
    1. You, as named member, up to $50,000
    2. You and your spouse, up to $25,000 each, plus job retraining for the surviving spouse
    3. You up to $30,000, your spouse up to $15,000, and your children up to $3,500 each. Optional benefits include job retraining for surviving spouse, continuing child care and continuing education support.
    Coverage election form must be completed and returned to home office before coverage goes into effect.

Earn $80.00 Per Referral

Requires first and last months payment at checkout

Today’s Total: $39.90

Join MCA Protection


Our agents are happy to discuss the MCA Protection Plans with you so you can determine which plan best meets your needs.  We can be reached 7 days a week.

1 (888) 855-9271

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