Protection Products Menu

What It Covers

A Vehicle Service Contract protects you from the high cost of unexpected mechanical failures and breakdowns. This comprehensive coverage includes:

• Axle Assemblies: Complete axle replacement or repair including bearings, seals, and hubs
• Suspension Components: Springs, shackles, hangers, and equalizers
• Brake Systems: Hydraulic and electric brake components, actuators, and controllers
• Electrical Systems: Wiring harnesses, lighting circuits, and junction boxes
• Hydraulic Components: Cylinders, pumps, hoses, and lift mechanisms (dump trailers)
• Coupling Devices: Hitches, ball mounts, and safety chains
• Frame and Structural: Welds, cross members, and structural integrity issues
• Doors and Ramps: Spring-loaded mechanisms, hinges, and latching systems

Why You Need It

Mechanical failures happen without warning, and repair costs can be substantial:

• Axle Replacement: A single axle replacement can cost $1,500–$3,000 including parts and labor
• Brake System Overhaul: Complete brake system repairs typically run $800–$1,500
• Hydraulic System Failure: Pump and cylinder replacements can exceed $2,000
• Downtime Costs: When your trailer is out of service, you lose productivity and revenue

Who Should Consider This

• Commercial Operators: Contractors, landscapers, and haulers who depend on daily trailer use
• Used Trailer Buyers: Pre-owned trailers with unknown maintenance history
• Heavy-Duty Users: Operators hauling maximum weight or working in harsh conditions
• Budget-Conscious Buyers: Anyone who can't afford unexpected $2,000+ repair bills

Coverage Terms

Contract Length: Available in 2, 3, 4, and 5-year terms

Deductible Options: Choose from $0 or $100 per claim

Transferable: Coverage can transfer to a new owner, increasing resale value

Nationwide Coverage: Claims honored at any licensed repair facility across the United States

What It Covers

GAP Protection covers the difference between what your insurance pays after a total loss and what you still owe on your financing. This critical coverage includes:

• Loan Balance Coverage: Pays the gap between insurance settlement and remaining loan balance
• Negative Equity: Covers situations where you owe more than the trailer's current value
• Total Loss Events: Theft (unrecovered), accidents, fire, flood, and other covered perils

The GAP Problem Explained

Here's a real-world scenario that shows why GAP is essential:

Why The Gap Exists

• Depreciation: Trailers depreciate 15–20% the moment they leave the lot
• Loan Amortization: Early payments mostly cover interest, not principal
• Long Loan Terms: 60–84 month loans mean slower equity building
• High LTV Financing: Financing 90%+ of purchase price creates immediate negative equity

Who Should Consider This

• Low Down Payment Buyers: Less than 20% down payment
• Long-Term Financing: Loan terms of 60 months or longer
• High Theft Risk: Operating in areas with high trailer theft rates
• New Trailer Buyers: Maximum depreciation occurs in first 2–3 years
• Commercial Users: Higher accident risk from frequent road use

Coverage Terms

Coverage Period: Matches your loan term (up to 84 months typically)

Maximum Benefit: Usually covers up to 125% of MSRP

Cancellable: Pro-rated refund available if you pay off loan early

No Depreciation Deduction: Full gap coverage without depreciation calculations

What It Covers

Tire & Wheel Protection provides comprehensive coverage against road hazards that standard warranties don't cover:

• Tire Damage: Blowouts, punctures, cuts, and bruises from road debris
• Wheel/Rim Damage: Bent, cracked, or damaged wheels from potholes and road hazards
• Sidewall Damage: Cuts and punctures in tire sidewalls (often not covered elsewhere)
• Vandalism: Slashed or deliberately damaged tires
• Mounting & Balancing: Labor costs for replacement tire installation
• Valve Stems & TPMS: Tire pressure monitoring sensors and valve hardware

Common Road Hazards

Trailer tires face unique challenges compared to passenger vehicles:

• Construction Debris: Nails, screws, metal shards, and sharp objects puncture tires
• Potholes: Impact damage causes wheel bending and sidewall bulges
• Curb Strikes: Sidewall cuts and rim damage from tight turns
• Uneven Road Surfaces: Railroad crossings, expansion joints, and rough pavement
• Load Stress: Heavy loads increase susceptibility to damage
• Age & Heat: Tires age faster when trailers sit idle; heat causes blowouts

The Real Cost of Tire Failures

Why Standard Warranties Fall Short

• Limited Manufacturer Coverage: Most tire warranties only cover defects, not road hazards
• Pro-Rated Value: Standard warranties depreciate value based on tread wear
• No Labor Included: You pay mounting, balancing, and disposal fees
• No Roadside Coverage: You're responsible for getting the trailer to a shop

Who Should Consider This

• Frequent Travelers: High annual mileage increases road hazard exposure
• Construction Site Users: Job sites have nails, screws, and debris
• Urban Operators: City driving means more potholes and curb strikes
• Multi-Axle Trailers: More tires = higher probability of damage
• New Tire Buyers: Protect your investment in fresh rubber

Coverage Terms

Coverage Period: 3, 4, or 5-year terms available

Occurrence Limits: Typically covers up to 4–6 tire/wheel claims per year

Replacement Value: Full replacement cost, not pro-rated depreciation

Nationwide Network: Use any tire shop or service center

Emergency Service: Roadside tire change coverage included in many plans

What It Includes

GPS Asset Protection combines real-time tracking technology with theft recovery services:

• GPS Tracking Device: Battery-powered GPS tracker for your trailer
• 24/7 Monitoring: Real-time location tracking via smartphone app or web portal
• Geofencing Alerts: Instant notifications when trailer leaves designated areas
• Movement Alerts: Alerts when trailer moves without authorization
• Battery Alerts: Low battery warnings for tracking units
• Historical Tracking: View past routes, stops, and usage patterns

How GPS Protection Works

Prevention Through Visibility:

• Real-Time Monitoring: Check your trailer's location anytime, anywhere
• Instant Notifications: Get alerts within seconds of unauthorized movement
• Rapid Response: Report theft to law enforcement with precise GPS coordinates

Recovery Process:

The Trailer Theft Problem

• Financial Impact: Trailer theft can create significant financial and operational disruption for owners
• Low Recovery Rate: Only 15–20% of stolen trailers are recovered without GPS
• Easy Targets: Trailers are often left unattended in unsecured locations
• Quick Resale: Thieves can repaint and sell trailers within 24–48 hours
• VIN Alteration: Serial numbers can be ground off or altered
• Business Impact: Lost equipment, missed jobs, and insurance deductibles

Additional Benefits

GPS tracking provides peace of mind:

• Real-Time Peace of Mind: Always know where your trailer is located
• Insurance Discounts: Some insurers offer lower premiums for tracked assets

Who Should Consider This

• High-Value Trailers: Enclosed, specialty, or equipment trailers over $10,000
• Commercial Operators: Contractors who can't afford downtime from theft
• Remote Storage: Trailers stored in unsecured lots or remote locations
• High Theft Areas: Operating in regions with elevated trailer theft rates
• Fleet Owners: Managing 3+ trailers across multiple locations

Coverage Terms

Service Period: Plan included for a period of years with purchase of the hardware

Installation: Simple magnetic attachment - customer just sticks it on the trailer

Battery Life: Long-lasting battery, no hardwiring required

Coverage Area: Nationwide cellular coverage (USA)

App Access: iOS and Android apps plus web portal

Data Updates: Location updates every 1–5 minutes

What It Covers

Theft Protection provides comprehensive financial security when your trailer is stolen and unrecovered:

• Customer Cash Benefit: $2,500 cash benefit to the customer if trailer is stolen and not recovered
• Next Trailer Benefit: $2,500 cash benefit toward customer's next trailer purchase from the same dealer
• Insurance Deductible Coverage: Covers up to $500 of the customer's insurance deductible

Financial Protection Benefits

Theft Protection provides immediate financial relief when theft occurs:

• Customer Support: $2,500 to help replace the stolen trailer
• Dealer Loyalty Benefit: Additional $2,500 toward purchasing replacement trailer from original dealer
• Insurance Help: Up to $500 to cover insurance deductible costs
• Total Benefit: Up to $5,500 in combined benefits to ease the burden of trailer theft

How Theft Protection Complements Insurance

This protection works alongside your primary insurance policy:

• Additional Financial Support: Provides cash benefits on top of insurance payouts
• No Claims Impact: Doesn't affect your insurance rates or claim history
• Faster Payout: Streamlined claim process without lengthy insurance investigations
• Deductible Assistance: Covers up to $500 of your insurance deductible
• Dealer Loyalty Reward: Bonus benefit when replacing your trailer with the same dealer

When Theft Occurs

If your trailer is stolen and not recovered within 30 days, you'll receive the financial benefits outlined in your coverage plan.

Who Should Consider This

• Enclosed Trailers: High-value enclosed and specialty trailers attract thieves
• Tool & Equipment Haulers: Contractors with thousands in tools stored in trailers
• Unsecured Storage: Trailers parked in driveways, streets, or open lots
• High-Risk Areas: Regions with elevated trailer theft statistics
• Business Use: Commercial operators who can't afford theft-related downtime
• Valuable Cargo: Regular transport of high-value goods or equipment

Coverage Terms

Coverage Period: Available in 2, 3, 4, and 5-year terms

Customer Benefit: $2,500 cash benefit to customer

Next Trailer Benefit: $2,500 cash benefit toward next trailer from same dealer

Deductible Coverage: Up to $500 for insurance deductible