Skip nav to main content.

Protect your vehicle with Mechanical Repair Coverage

Mechanic working on engine

Mechanical Repair Coverage (MRC) from Credit Union of Southern California (CU SoCal) helps protect you from expensive auto repairs.

MRC is designed to protect vehicle owners from repair costs resulting from mechanical breakdown of a vehicle’s engine, transmission, navigation system, timing chain, air conditioning compressor, alternator, fuel pump, engine control module, and other major vehicle components and systems.

How does Mechanical Repair Coverage work?

It’s easy! MRC is essentially a vehicle service contract that covers the major mechanical components of a vehicle. CU SoCal offers one program for both new and used vehicles, and three levels of coverage to choose from depending on the vehicle’s equipment. The vehicle’s mileage determines which plans are available to you.

CU SoCal Members who purchase a new vehicle can finance the cost of MRC in their auto loan, so the premium is paid as part of the monthly loan payment. Or the premium can be paid separately.

CU SoCal offers three plans to choose from:

  • Platinum: Our most comprehensive plan and level of coverage. Available for vehicles with 80,000 odometer miles or less and current through 15 model years old.
  • Gold: Provides coverage for 13 major component groups, and it is considered a value-minded plan. Available for vehicles with 100,000 odometer miles or less and current through 15 model years old.
  • Silver: Provides coverage for 11 major component groups. A basic yet robust plan. Available for vehicles with 150,000 odometer miles or less and current through 15 model years old.

Mechanical Repair Coverage vs. manufacturer warranty

While all new vehicles come with a manufacturer warranty, the warranty is often limited in what is covered and typically expires in three to five years. MRC covers many mechanical components that the manufacturer’s warranty or extended warranty may not cover. Plus, MRC is designed to protect older vehicles.

Is Mechanical Repair Coverage worth it?

Most people these days are holding onto vehicles longer, which means that as your vehicle’s mileage increases so, too, does the chance of a major mechanical breakdown. Having MRC can save you from paying for expensive mechanical issues, which means peace of mind.

If you want the peace of mind that comes with MRC, add it to your loan at the time of purchase, or call us at 562.365.1851 to learn more.