Welcome to MCA 101
What is MCA?
“MCA is a unique motor club serving the United States, Canada, and Puerto Rico. MCA offers 24/7 emergency roadside assistance plans, membership discounts, and the most reliable service in the auto club industry. With over 86 years of experience, we know how to provide the best in customer care while offering a variety of options that best suit your individual needs.”
A trusted name since 1926, MCA is your friend on the open road, providing travel security and roadside assistance for people – and families – on the go. A membership in MCA delivers peace of mind so travelers enjoy their driving experience with less worry.
We treat our members like we want to be treated, with faster response times than the competition. We’ve expanded our offerings to simplify even more aspects of your life, including free legal representation for moving violations, discounts on health expenses and travel, accident protection, bail bonds, AD&D and more.
MCA Member Benefits
As a MCA affiliate you enjoy all the benefits exclusive to MCA Members.
Your plan includes:a. Battery Boost
b. Fuel Delivery
c. Tire Change
d. Lock-out Service
e. Wrecker Towing Service
f. And Much More!Call the toll-free number for MCA authorized sign and go service. We will pay the reasonable service charge for garage or service provider whenever you are prevented from driving your covered private passenger vehicle. If we cannot get this covered vehicle on its way within 30 minutes, we will have it towed, up to 100 miles, to the destination of your choice. Also, we will pay up to $100 to provide Emergency Road Service on RVs, Motorcycles, Trailers, and vehicle’s with a load capacity of 1 ton or greater. (Dispatch only on 18-wheelers.)Travel Assistance Reimbursement**
When a Member’s car is disabled in an auto accident, Motor Club will reimburse up to $500 for rental car for an accident at home, or up to $500 for lodging, meals, and transportation when more then 50 miles away from home.Trip Planning and Travel Reservations
MCA offers free easy to read, step by step computerized mapping services free of charge to Members. Simply fill out a Travel information card or call MCAs toll free number. 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 Bond***
Your Motor Club Membership card may be used in lieu of cash bail up to $500 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 $1000, in other states they are accepted for lesser amounts than $500.) Not required in California.Bail Bonds***
MCA will arrange up to a $25,000 bond to release you when you are 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.Attorneys Fees****
Motor Club of America will pay up to $2,000 for your attorney to defend you against police charges resulting from driving your covered auto:
1. Up to $200 for covered Moving Violations
2. Up to $500 covered auto related Personal Injury matters
3. Up to $500 covered Vehicle Damage issues
4. Up to $2,000 for covered auto related Negligent Homicide or Vehicular ManslaughterStolen Vehicle Reward
MCA will pay a $5,000 reward for that protects your vehicle and discourages theft. The reward will be paid to the Law enforcement agency or individual responsible for information leading to the arrest and conviction of the thief. The reward is not payable to you, your family, or other members on your MCA membership.Credit Card Protection
We will reimburse you for the financial loss which you sustain as the result of the loss or theft of your credit card(s) up to $50.00 for each card registered with us at the time of the loss or theft, up to a total maximum of $1,000.00. (This benefit is not available in Texas.)Free Discount Card for Prescriptions, Vision Care, and Dental
Our discount card is an easy way to help you and your family receive discounts on all of your Prescription, Vision, and Dental needs. You received a unique membership card allowing you to receive up to a 65% discount on prescriptions, up to a 50% discount on vision, and up to a 50% discount on dental procedures.
When you are injured in a covered accident that requires emergency treatment or hospital admission within 72 hours, MCAs Security membership provides :
Emergency Reimbursement Benefits
Receive up to $500 emergency cash for Emergency Room or Trama Center treatment received due to injury in a covered accident. Includes up to $100 in cost for each of the following:
1. Cast or Splints
2. Ambulance Service
5. ER Facility
Daily Hospital Benefit
$54,750 Hospital cash benefits. You will receive $150 per day beginning the first day you are hospitalized as a result of a covered accident for up to 365 consecutive days.
Accidental Death Benefit
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; or
2. You and your spouse, up to $25,000 each, plus job retraining is available for surviving spouse in many cases; or
3. You for up to $30,000, your spouse for 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.
Coverage provided by One Beacon Insurance Group. See certificate of participation for details.
Travel Assistance Program
The named member receives the Travel Assist Program which assists worldwide with issues such as:
1. Medical Evacuation
2. Medical Repatriation
3. Non-Medical Repatriation
4. Return of Remains
5. Visit to Hospital
6. Return of Child
7. Return of Companion
Coverage provided by One Beacon Insurance Group. See Travel Assist Description of Coverage for details.
This is a summary of services, please see service contract for exact details.
*In NY coverage is for service provided through our dispatch center only.
**This benefit is not available in NY.
***Bond benefits are not available in CA and NY.
****In NY benefit pays directly to our Provider Attorney for services up to the limit specified.