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 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.
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.
This
site may have links to other sites, which are not maintained by American
National Insurance Company, it's subsidiaries or affiliates. Such links
do not imply endorsement or approval of these sites or the content therein
by American National, its subsidiaries or affiliates.
