Benefits

New Vehicle Core Coverage

New Vehicle Total Loss Benefit.

Optiom Prime will pay the difference between the market value of your vehicle at the time of the loss and the MSRP of a brand new, equivalent model replacement vehicle.

  • Up to $80,000 over your primary insurer’s policy
  • Up to 84 months of price protection

Used Vehicle Core Coverage

Used Vehicle Total Loss Benefit.

Optiom Prime will pay the difference between the market value of your vehicle at the time of the loss and your vehicle’s value at policy inception.

  • Up to $60,000 over your primary insurer’s policy
  • Up to 60 months of price protection

Total Loss Deductible Reimbursement.

If you have to pay a deductible on your primary auto insurance policy, Optiom Plus will reimburse you up to $500 if your car is written off.

LossBenefit_Diagram - Prime