| Auto Insurance

Emergencies: they’re unexpected, sometimes serious, and almost always require immediate action. Fortunately, an Emergency Protection Plan (or Auto Protection Plan or Total Protection Plan, as it is called in some states) could benefit you and your family when an unexpected auto-related emergency, like a car accident, occurs.

If you’re wondering, Emergency Protection…emergency protection from what? then keep reading. The Emergency Protection Plans offered by Direct Auto Insurance aren’t just for emergencies, though they come in handy when you’ve experienced one. Check it out! We’re breaking down one of our most beneficial programs for drivers and their families—our Emergency Protection Plan (EPP).

Get Help with the Financial Burden Following an Accident

an infographic explaining direct auto's emergency protection plans

Should the unthinkable happen and you are involved in an auto accident, here’s how you can count on your Emergency Protection Plan to help ease the financial stress of the situation:

  • If you have to stay in the hospital, your EPP will pay cash directly to you for each day that you are in the hospital. You can use the cash however you’d like: to help cover household bills, pay for childcare, or help with your rent.
  • If you need medical attention, you can get reimbursed for up to $1,000 of your out-of-pocket medical expenses. This money could be used to cover medical costs that your auto policy or health insurance do not, like your deductibles.
  • If you need an ambulance ride, you will be reimbursed for up to $100 of your ambulance expense.
  • If you need to rent a car, you could receive funds to help with the cost of a rental car. This is especially beneficial if you aren’t eligible for rental under your auto policy. And, even if you already have rental coverage under your auto insurance policy, this benefit could provide you with additional rental coverage.

An Emergency Protection Plan – In Action

Let’s look at an example. Julia is a single mom of three children. She works two part-time jobs: she’s a Teacher’s Assistant at her children’s school but also an Administrative Assistant at a local business. Despite her busy schedule, Julia always makes time for her family. Driving between jobs one day, though, Julia’s car is hit by a delivery truck. Her car is considered “totaled” and she is taken to the hospital in an ambulance. Here’s how an Emergency Protection Plan could benefit Julia and her family after her accident.

Help pay for an ambulance ride

Ambulance costs vary widely and range between $224 to more than $2,000 per transport, cited the U.S. Government Accountability Office in a 2012 Report to Congressional Committees. An Emergency Protection Plan could reimburse Julia for a portion of her ambulance expense.

Help pay for expenses related to a hospital stay

Thankfully, Julia was not seriously injured, but she did have to stay in the hospital for two days. During this time, Julia was not able to work and had to pay for childcare for her three children. An Emergency Protection Plan could help make up for the wages Julia lost during the time she was in the hospital, and it could also help her pay for childcare. Emergency Protection Plans include a benefit that will pay cash directly to you for each day you are in the hospital. In Julia’s situation, she could use the cash to help pay for groceries, a babysitter, or other household expenses.

What about Julia’s medical expenses? Her Emergency Protection Plan would reimburse her for up to $1,000 of her out-of-pocket medical expenses.

Help pay for a rental car

The least expensive rental car costs between $45 and $85 per day on average, according to USA Today. An Emergency Protection Plan could provide a driver like Julia the funds to help with the cost of a rental car, even if she already has rental coverage under her auto insurance policy. Without a rental car, how will Julia take her kids to school, get to work, or pick up groceries?

Emergency Protection Plans Go Beyond “Emergencies”- Get Help Planning Your Next Adventure

Emergency Protection Plans aren’t just for what you might call an “emergency”, though. In fact, an Emergency Protection Plan could help set you up for a spectacular summer road trip. If missed exits, stubborn GPS systems, and too many wrong turns take you back to a road trip you’d rather forget, an Emergency Protection Plan could be a helpful solution! An Emergency Protection Plan offers valuable trip planning services, travel discounts, and trip itineraries. By visiting Preferred Members, those who have signed up for this special membership can get help making their next vacation less stressful and more memorable. With those details taken care of, it’s up to you to pick your best road trip pals and hit the road!

If you want to see whether or not an Emergency Protection Plan might be right for you, call or come in for a free quote, or add an Emergency Protection Plan to your auto quote online.

Learn More

What is an Emergency Protection Plan? [VIDEO]