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Ace
Coverage
ANPAC®
offers you a choice with ACE coverage...
ACE
provides...
- OEM
Parts Coverage
- No
deduction for depreciation on car repairs
- Vehicle
Replacement for new cars
- Up
to $100 for personal items
| "OEM
Parts Coverage"... |
We
will repair your vehicle with original equipment
manufacturer (OEM) parts, if available, rather than
other competitive replacement parts. |
What
are OEM and CAPA Certified replacement parts?
- Replacement
parts are sheet metal and plastic components such as hoods,
bumpers, fenders, and doors, which account for the majority
of damage in auto accidents.
- Either
an independent manufacturer or the original manufacturer
(OEM) may make these parts.
- Parts
made by an independent manufacturer must meet the safety
standards of CAPA (Certified Automotive Parts Association).
- ANPAC®
uses only CAPA-certified parts that have undergone extensive
quality testing if made by an independent manufacturer.
Why
should I pay extra for the OEM Parts Coverage?
- The
cost of using primarily OEM parts has increased claims
costs nationwide.
- Rather
than increasing physical damage premiums for every car
you own, we prefer to give YOU the choice on which cars
YOU want to purchase OEM coverage, if any.
- Many
people may not feel the need to pay additional premium
for using only new OEM parts. Others may prefer that only
OEM parts be used.
ACE
gives YOU the choice!
| Without
ACE, |
we
repair damage to your vehicle using quality, CAPA-certified
parts or used OEM parts from similar make, model and
age of vehicle.
|
| With
ACE, |
we
repair damage to your vehicle using only brand new
OEM parts, if available.
|
No
Deduction for Depreciation on Car Repairs
With
ACE we will not deduct
the difference between the value of the new parts, paint,
tires, batteries, etc. used to repair your auto and the
depreciated value of the old parts or paing, as is normally
done in loss settlement.
Depreciation
will be taken on the engine and drive train.
Vehicle
Replacement
If
damage to your new car exceeds 205 of the original purchase
price within the first twelve months you won it and before
the odometer reaches 15,000 miles, we will pay the original
purchase price or the cost to replace it with an untitled
vehicle of the same year, model and equipment!
Personal
Items
With
ACE, we will also pay
up to $100 for personal items, such as CD's in the
car when a loss occurs.
If you
are interesed in ACE for your vehciles(s), please contact
me today!
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American
National Insurance Company, Galveston, TX
American National Property and Casualty Company, Springfield,
MO
These
brief descriptions of coverages available are for illustrative
purposes only, and are not intended as a statement of
contract. For actual terms and conditions of coverage
provided, refer to your insurance policy, or, for more
information about coverage options and availability, talk
to your American National agent. All products, coverages,
and options are not available in all states, and eligibility
guidelines apply. American National Family of Companies
reserves the right to discontinue programs at any time.
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