Protection Products

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Protection Products

Whether it’s your daily commute or weekend adventures, protecting what moves you matters. At American 1, we offer a range of protection products designed to help you safeguard your investment and drive with confidence, wherever life takes you.^*

Life Coverage

Family sitting on a couch

The confidence of knowing your loved ones are protected—no matter what.

If the unexpected happens, your loan is paid off, and your family keeps the vehicle as a valuable asset.

Only at American 1:

Enjoy coverage from day one
No health questions asked
Eligibility up to age 75
A terminal illness benefit that supports you through life’s most challenging moments

Injury & Illness Protection

woman pushing a man in a wheelchair

Focus on healing—not financial stress.

Injury & Illness Protection may help pay your loan payment if you become ill or injured.

Only at American 1:

Lump sum payout benefit
No health questions
Eligibility up to age 68
Active at-work requirement is only 24 hours per week

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Payment Protection

Guaranteed Asset Protection (GAP)

Car Crash

Don’t Let a Total Loss Total Your Wallet.

GAP may cover the difference between what your insurance will cover and what you still owe on your loan if your vehicle is lost, stolen, or damaged beyond repair.

Only at American 1:

GAP Advantage protects your vehicle today and helps you recover faster tomorrow—adding $1,000 toward your next auto loan when you finance it with American 1.

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Mechanical Breakdown Protection (MBP)

Car on the side of the road

Drive Worry-Free: MBP Has Your Back

Mechanical Breakdown Protection (MBP) features direct payments to repair facilities, 24-hour roadside assistance, tire protection, rental vehicle assistance, insurance deductible reimbursement, and more.

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MemberCare Mechanical Breakdown Protection

*Contact us for additional details and restrictions. American 1's credit decision will not be affected by whether members elect to purchase these protections.