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Mechanical repair coverage

Drive with confidence, every mile

Be prepared for the unexpected with Mechanical Repair Coverage that helps keep your vehicle running smoothly.

What is Mechanical Repair Coverage?

As vehicles age, the risk of costly repairs grows. Mechanical Repair Coverage (MRC), known as Mechanical Breakdown Insurance in California, helps safeguard your budget by covering many unexpected mechanical breakdowns, including parts and labor.

Whether your vehicle is new or used, MRC offers flexible protection designed to fit your needs and keep you on the road.

You can also finance MRC with your auto loan, making it easy and affordable to add protection.

Coverage options

Platinum

Our most comprehensive plan, with the highest level of protection. Available for vehicles with 80,000 odometer miles or less and current through 15 model years old.
Gold

A value minded choice for drivers who want solid protection without the premium price. Available for vehicles with 100,000 odometer miles or less and current through 15 model years old.
Silver

A budget‑friendly plan that offers essential protection for many of your vehicle’s key systems and parts. Available for vehicles with 150,000 odometer miles or less and current through 15 model years old.

Interested in purchasing Mechanical Repair Coverage or other protection products?

Give us a call so we can review the options that best fit your needs at 1 (800) 479-7928.

  • Your purchase of Mechanical Repair Coverage is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. Please refer to the Vehicle Service Contract or the Insurance Policy for the full terms and conditions. Coverage varies by state. Mechanical Repair Coverage is made available to you by CUNA Mutual Insurance Agency, Inc. and is insured by Virginia Surety Company, Inc. MRC-3489303.13-0125-0227 © TruStage.

    Insurance products are not deposits of RCU and are not protected by NCUA.

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

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