JM&A Group - Overview, Competitors, and Employees |


Guaranteed Asset Protection (GAP)

It's called the "gap." It's the difference between the Amount Owed on your Retail Installment Sales Contract/Lease Agreement and the Actual Cash Value of your vehicle at the time of a Total Loss.

If your car is determined to be a Total Loss, this "gap" could translate into thousands of dollars that you would still owe after the settlement from the auto insurance company. The Plan excludes total loss claims denied by your automobile insurance company. This is an optional insurance product and is not required for you to obtain financing for the purchase or lease of a vehicle.


Ultimate Appearance Protection

Xzilion Protects your vehicle's Interior and Exterior against:

  • Oxidation and Fading
  • Hard Water Etching
  • Love Bug Damage
  • Bird Dropping Etching
  • Damage from Industrial Fallout & Acid Rain
  • Water & Oil Based Spills

Increases tensile strength of interior fabric

Ding Shield

Dent Service Plan

Restore the appearance of your vehicle with a Ding Shield Service Plan. The Ding Shield Service Plan is available in two options: Ding Shield Plus and Ding Shield Ultimate. 

Ding Shield Plus

The Ding Shield Plus Service Plan covers all aspects of minor damage with the following quality dent protection: Dents & Dings: Unlimited repairs of dents, dings and creases that do not exceed the size of a traditional credit card (3.25"x2"). 

Repairs include hail or acorn damage, up to $500 or the amount of your automotive insurance comprehensive deductible, whichever is less. Reimbursement of actual rental vehicle costs for a maximum of one day, not to exceed $50. 

Ding Shield Ultimate

The Ding Shield Ultimate Service Plan includes the same appearance enhancing features of the Ding Shield Plus Service Plan, PLUS: 

Complete Windshield Chip Repair: Eliminates minor chips and nicks caused by small rocks, stones or other road debris that may hit your windshield.

Car Care
Pre-Paid Service Plan

Most factory warranties are valid only if you maintain your vehicle regularly.

The Car Care Service Plan includes valuable maintenance services that help you keep your vehicle qualified for factory warranty protection.

The Car Care Service Plan may include the following:

Helps keep your vehicle operating smoothly and helps ensure the long life of your engine.

Helps keep your brakes operating at peak performance.

Helps identify any need for preventative maintenance before it's a major problem.

Helps ensure your tires wear evenly and last longer.

Standard Plans receive one free year of membership without key/key fob replacement service. Plus Plans receive free term-of-contract membership with key/key fob replacement service.

Key Replacement Service:
24-hour Roadside Assistance: $50 per occurrence
Emergency Towing Coverage: $50 per occurrence
Lost Key Retrieval
Trip Planning and Travel Discounts
Cross Country Perks

These are some of the features that may be included with the optional Car Care Service Plan. For exact coverages, exclusions and limitations, please review the contract itself and Driver's OneCard Guide to Membership.

*In the event that your vehicle key and/or key fob is lost, stolen or destroyed, Driver's OneCard will pay the cost of repairing or replacing the key and/or key fob up to $400, per single incident per year of the term of the contract.

Road Hazard

Tire & Wheel Protection

This plan repairs or replaces tires damaged by Road Hazards, which include debris on the road surface or road surface conditions such as potholes, cracks and breaks.


The Road Hazard Tire & Wheel Protection Plan repairs or replaces tires damaged by: road hazards; road surface conditions such as potholes, cracks and breaks; and debris on the road surface. This plan provides for the replacement of wheels when or if: the wheel cannot be balanced, will not hold air, or the damage has affected the structural integrity of the wheel. The maximum lifetime benefit of the Road Hazard Tire & Wheel Protection Plan is $5,000. Deluxe Coverage does not cover cosmetic damage to tires and wheels.

Includes Deluxe Coverage plus Cosmetic Damage to an alloy or steel factory wheel. Additionally, the maximum lifetime benefit of $5,000, as mentioned in Deluxe Coverage, does not apply.

In the event the vehicle cannot be repaired within the same day, the Road Hazard Tire & Wheel Protection Plan provides reimbursement, up to $50 for a single day, for the cost of alternate transportation incurred because of a covered tire and/or wheel repair. Alternate transportation includes reimbursement for public transportation, rental car services or a ridesharing service.
* Excludes shop and parts delay

In addition to the benefits provided under the Road Hazard Tire & Wheel Protection Plan, you receive reimbursement up to $50 per occurrence, for towing and/or roadside assistance expenses incurred in connection with a covered tire and/or wheel.

This information is intended to provide only an outline of the types of coverages, exclusions and limitations of the Road Hazard Tire & Wheel Protection Plan just described and should not be relied upon when purchasing this contract. The Plan is optional and expires according to the contract term selected or when the lowest tread depth reaches 2/32nds of an inch, whichever occurs first. Coverage is limited to the original set of tires on the vehicle at the time of purchase and new replacement tires. Any tire and/or wheel failure caused by accidents, theft, vandalism, misuse, negligence, abnormal wear and tear are not covered. This contract is transferable to another owner but not to another vehicle.

For exact coverage, exclusions & limitations of the Plan please refer to ( for contract terms and conditions.