Frequently Asked Questions
Who do I contact for a quote or more information?
Contact us at 808-73-PHFCU (737-4328).
Who do I contact to make a claim for repairs or to locate an authorized repair facility?
MRC Claims Administration: 1-800-752-6265; 7:00am-7:00pm CT, M-F
What should I do in the event of a breakdown?
You should take the vehicle or arrange to have the vehicle taken to an authorized repair facility in the U.S. or Canada. If the vehicle needs to be towed, the member should call for roadside assistance (Call 1-866-603-5420).
You should authorize the repair facility to perform the necessary diagnosis and get a repair estimate.
The repair facility should call the claims center for authorization PRIOR to beginning repairs.
Once the repair facility has obtained an authorization number, the repair facility should perform the repairs.
Upon completion of the repairs, the repair facility should bill the Administrator for authorized repairs. The Administrator will pay the repair facility by corporate credit card or direct bill, whichever is preferred by the repair facility.
You should pay the repair facility any required deductible and the cost of any repairs not covered by the agreement/policy.
Who do I contact for 24 hour emergency roadside assistance?
Can I purchase Mechanical Repair Coverage (MRC) after I have already purchased my vehicle and have my car loan?
Yes, you can purchase MRC on your vehicle that is 10 years old or newer with 100,000 miles or less regardless of when it was purchased or financed.
What is eligible and when can the coverage be purchased?
Coverage is available for any new or used vehicle current through 12 model years old with 120,000 odometer miles or less at the time of coverage purchase.
What vehicles are not covered by the program?
Vehicles used commercially.
Salvage or rebuilt titled vehicles.
Trucks rated more than 1 ton.
Non-U.S. Specification Vehicles.
Note: “Modified” vehicles are eligible for coverage but claims will be denied if resulting from the modifications made.
What coverage exclusions are there?
General maintenance is not covered under any of the MRC policies.
Pre-existing conditions (condition that existed prior to the purchase of the policy/agreement).
Aftermarket items not installed by the manufacturer.
Other exclusions as listed in the policy/agreement.
Gold and Silver levels of coverage: any system or component not specifically listed on the MRC policy/agreement.
When does coverage terminate?
Coverage term expires when its time or mileage limit is reached (whichever occurs first).
Coverage should be canceled if the vehicle is a total loss or repossessed.
May be cancelled by you at any time for at least a pro-rata refund.