Repairs are Going to Happen

The manufacturer's warranty only goes so far. Let us be your next source of coverage.

What is MRC?

Mechanical Repair Coverage (MRC) is a policy designed to help pay for covered repairs on new and eligible used vehicles AFTER the manufacturer’s warranty expires. And in an age when nearly half of all Americans report they don’t have more than $200 budgeted for unexpected expenses, MRC could be more important today than ever before.

At Decatur Earthmover, we rely on MRC to help members manage risk and cover unexpected auto repairs.

“What I like most about MRC,” says Brooke Ragan, DECU Member Advocate, “is that it’s so specific. You don’t have to question what it does, or does not cover. It’s clearly outlined.”

As an example, Ragan recently had a member contact her who was looking for convertible motor coverage. After reviewing several other policies, the MRC policy was the only one that specifically states convertible motor coverage.

The policy is also very clear about what it does not cover, although, as Ragan points out, the list of items uncovered in an MRC policy is much shorter than the list of covered items. MRC offers 3 different plans: The Platinum Plan, The Gold Plan, and The Silver Plan.

“I typically recommend The Platinum Plan for new cars, and The Gold and Silver Plans for older cars,” says Ragan.

Mechanical Repair Coverage (MRC)

According to the JD Power “2014 Vehicle Dependability Study" for three-year-old vehicles in 2014, there was an average of 147 problems per 100 vehicles.

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