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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 25% 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
us today!
This
website contains only a general description of the changes in coverage
and is not a statement of contract. All coverages are subject to
the insuring agreements, exclusions and conditions of the policy
and applciable endorsements.
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American National
Insurance Company, Galveston, TX
American National Property and Casualty Companies, Springfield,
MO
Products
and services not available in all states
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