auto replacement protection made clear

You want a policy that treats you fairly if your car is totaled. auto replacement protection bridges the gap between a depreciated payout and a like-new ride, aiming for safety and fairness at the check.

Pause.

How it works

If a covered total loss happens within a set window (often 12 - 24 months), the insurer funds a comparable new model, not actual cash value. Deductibles apply; terms vary; GAP differs.

Pros

• New-for-old replacement can keep advanced safety tech in your driveway.
• Predictable outcome; less haggling after a shock.
• Counters fast depreciation; feels fair.

Cons

• Costs more than standard comp/collision.
• Eligibility windows and caps can be strict.
• May exclude taxes, fees, or used models.

Real moment: hail totals your 8-month-old sedan; your adjuster applies it and you leave in a same-trim replacement.

Is it right for you?

If you value a straightforward path back to safe wheels, compare add-on prices and fine print; walk away if limits feel lopsided.