Iowa residents
have received
CA$HBACK checks
exceeding

$6,214,587.50

Ace Coverage

ANPAC® offers you a choice with ACE coverage...

ACE provides...

• OEM Parts Coverage
• No deduction for depreciation on car repairs
• Vehicle Replacement for new cars
• Up to $100 for personal items

"OEM Parts Coverage"...

We will repair your vehicle with original equipment manufacturer (OEM) parts, if available, rather than other competitive replacement parts.

What are OEM and CAPA Certified replacement parts?

• Replacement parts are sheet metal and plastic components such as hoods, bumpers, fenders, and doors, which account for the majority of damage in auto accidents.
• Either an independent manufacturer or the original manufacturer (OEM) may make these parts.
• Parts made by an independent manufacturer must meet the safety standards of CAPA (Certified Automotive Parts Association).
• ANPAC® uses only CAPA-certified parts that have undergone extensive quality testing if made by an independent manufacturer.

Why should I pay extra for the OEM Parts Coverage?

• The cost of using primarily OEM parts has increased claims costs nationwide.
• Rather than increasing physical damage premiums for every car you own, we prefer to give YOU the choice on which cars YOU want to purchase OEM coverage, if any.
• Many people may not feel the need to pay additional premium for using only new OEM parts. Others may prefer that only OEM parts be used.

ACE gives YOU the choice!

Without ACE,	we repair damage to your vehicle using quality, CAPA-certified parts or used OEM parts from similar make, model and age of vehicle.
With ACE,	we repair damage to your vehicle using only brand new OEM parts, if available.

No Deduction for Depreciation on Car Repairs

With ACE we will not deduct the difference between the value of the new parts, paint, tires, batteries, etc. used to repair your auto and the depreciated value of the old parts or paint, as is normally done in loss settlement.

Depreciation will be taken on the engine and drive train.

Vehicle Replacement

If damage to your new car exceeds 20% of the original purchase price within the first twelve months you own it and before the odometer reaches 15,000 miles, we will pay the original purchase price or the cost to replace it with an untitled vehicle of the same year, model and equipment!

Personal Items

With ACE, we will also pay up to $100 for personal items, such as CD's in the car when a loss occurs.

If you are interested in ACE for your vehicle(s), please contact me today!

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, TX. Personal and commercial lines insurance is issued by American National Property And Casualty Company (ANPAC®), Springfield, MO, its subsidiaries or affiliates, including American National General Insurance Company, Pacific Property And Casualty Company (California), American National Lloyds Insurance Company (Texas), American National County Mutual Insurance Company (serviced by ANPAC®-Texas), and ANPAC® Louisiana Insurance Company (Louisiana). American National Property And Casualty Company is a subsidiary of American National Insurance Company.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois or Principal Life Insurance Company, Des Moines, IA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.