Why Would I Want An Emergency Protection Plan from Direct Auto Insurance?

Emergencies: they're unexpected, sometimes serious, and almost always require immediate action. While an Emergency Protection Plan (or Total Protection Plan, as it is called in some states) will not protect you from an emergency, it could benefit you and your family when an unexpected auto-related emergency, like a car accident, occurs. Let's look at an example.

An Emergency Protection Plan - In Action

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"

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. With those details taken care of, it's up to you to pick your best road trip pals and hit the road!

Still wondering why you might want to consider an Emergency Protection Plan from Direct Auto Insurance? If Julia's story didn't have you convinced, give one of our friendly agents a call at 1-877-GO-DIRECT, stop by your local store, or chat with one of our agents online.

Emergency Protection Plan is a separate product that is not insurance. Offered as Total Protection Plan in AL and Travel Program in TX. Each is administered through NationSafeDriver, Boca Raton, FL. Auto protection Plan is not available in MO.