Hagerty Drivers Club^® Roadside Services,

a program of Cross Country Motor Club, Inc. and Cross Country Motor Club of California, Inc.

THIS PLAN IS NOT INSURANCE. THIS IS NOT A SERVICE CONTRACT AND MAY NOT COMPLY WITH ANY FINANCIAL RESPONSIBILITY LAWS. THIS IS NOT AN AUTOMOBILE LIABILITY OR PHYSICAL DAMAGE INSURANCE CONTRACT.

Guide to Membership

CROSS COUNTRY MOTOR CLUB, INC. (Home Office)
400 River’s Edge Drive
Medford, MA 02155

CROSS COUNTRY MOTOR CLUB OF CALIFORNIA, INC.
275 East Hillcrest Drive, Suite 165
Thousand Oaks, CA 91360

National Toll-Free Number: 888-310-8020
1-800-747-2128 (TDD)

Dear Member:

Welcome to Hagerty Drivers Club Roadside Services, a great choice for motoring protection. As a member of this auto club, you are entitled to many fine benefits and services, which are provided to you through Cross Country Motor Club, Inc. and Cross Country Motor Club of California, Inc. (together, “CCMC” or “Cross Country”). Your benefit levels are based on the level of membership you have enrolled in: 1st Gear Plan, 2nd Gear Plan or 3rd Gear Plan.

All of us at Hagerty Drivers Club Roadside Services are dedicated to seeing that your driving is a worry-free experience. You can count on us to be of help when you need it. Just call us toll-free, 24 hours per day, 365 days per year.

Frank Klemovitch
Director of Extended Benefits and Services
Cross Country Motor Club, Inc.
Cross Country Motor Club of California, Inc. 

Table of Contents

Membership Benefits

Membership Guidelines

Specific State Provisions

Executive Offices

Privacy Policy

Terms of Service

Membership Benefits

Round-the-Clock Assistance
Simply call 888-310-8020 — 24 hours per day, 365 days per year. (For the hearing impaired – TDD 1-800-747-2128).

Depending on the circumstances, the following services may be available for the vehicle covered under the membership program (the “Covered Vehicle”) (under the 3rd Gear Plan, all of your vehicles will be deemed to be Covered Vehicles):

Roadside Assistance
We will provide you with the roadside assistance services that are described below:

• Delivery of Fluids:
  In the event your Covered Vehicle runs out of fuel or water while being operated, we will arrange for the delivery of an emergency supply of such fuel or water to the disablement site, except where prohibited by law. The cost of fuel (or other fluid costs) will be at your cost. The delivery and any associated labor costs will be covered by us up to the Roadside Assistance Service Limits below.
• Jump-Starts / Battery Boosts:
  In the event your Covered Vehicle is disabled due to a drained battery, we will arrange for a jump-start in order to get the Covered Vehicle operating properly. The cost of a new battery and any additional installation costs, if available, will be at your cost. The delivery and any associated labor costs will be covered by us up to the Roadside Assistance Service Limits below. Covered Vehicles with 6 volt batteries that are not able to be jumped will qualify for towing coverage to your destination of choice up to the applicable Towing Coverage Limits below.
• Lockout and Locksmith Services:
  In the event you lock the keys inside the Covered Vehicle, glovebox or trunk, we will arrange for services to assist in the opening of the locked Covered Vehicle. The cost of a replacement key or key fob, if necessary, will be at your cost. The delivery and any associated labor costs will be covered by us up to the Roadside Assistance Service Limits below. You will be required to show proof of membership at the time service is provided for security purposes. If you prefer that the Covered Vehicle not be opened or if the service provider is unable to open the Covered Vehicle, we will arrange for flatbed tow service up to the applicable Towing Coverage Limits below.
• Tire Services:
  In the event your Covered Vehicle has a flat tire and/or you require assistance in changing a tire with your Covered Vehicle’s good mounted spare tire, we will arrange for services to assist. The service call and any associated labor costs will be covered by us up to the Roadside Assistance Service Limits below. Trailer tire service is covered under the 2nd or 3rd Gear Plans only. If a good spare is not available for the trailer, we will arrange for the transport of the trailer to a service station approved by the member, up to the applicable Towing Coverage Limits below. WARNING: Spare tires replaced during roadside services should not be driven at speeds above 55 mph or for more than 50 miles. You should immediately have the tire replaced at your mechanic.

Roadside Assistance Service Limits:

• up to $50 per occurrence for 1st Gear Plans;
• up to $100 per occurrence for 2nd and 3rd Gear Plans.

Towing and Winching Services
In the event your Covered Vehicle is disabled due to a sudden incidence or occurrence (mechanical failure or breakdown), light duty flatbed towing with nylon straps will be provided to your destination of choice or nearest service repair facility up to your Towing Coverage Limits below. Winching services are limited to one light duty tow truck providing up to one half hour of on scene service. Winching is covered up to 100 feet off a maintained public road and winching services are limited to one light duty tow truck (vehicle recoveries are not covered).

Trailer towing and service is available with the 2nd and 3rd Gear Plans only. Trailer towing is designed for trailers that are transporting collector or antique vehicles, and Vintage Camper Trailers. As part of the 2nd Gear Plans and 3rd Gear Plans, any collector or antique vehicle hauling trailer that comes within the Towing Coverage Limits below is eligible. Towing of trailers that are not for Covered Vehicles may be provided through the use of on-hook towing vehicles, rather than a flatbed.

Towing Coverage Limits:

• up to 15 miles per occurrence for 1st Gear Plans;
• up to 60 miles per occurrence for 2nd Gear Plans;
• up to 150 miles per occurrence for 3rd Gear Plans.

Emergency Message Relay
To ease the strain of breakdown, you may request that our call center representative contact your family, friend or business associates to inform them of the incident and your delay. A phone message will be left if there is not an answer. In addition, you may request assistance in finding a nearby service location and its’ hours of operation, in which case we will assist you with your request.

Membership Guidelines

Important information. Please read thoroughly.

As a member of the auto club plan, you are entitled to certain services and benefits which are set forth in their entirety in this guide, subject to the guidelines and limitations of this “Membership Guidelines” section.

The following provisions apply to your membership, subject to the state-by-state provisions set forth at the end of this guide:

1. Whenever we refer to “you” and “your” throughout this guide, we refer to the member named on the membership card. Whenever we refer to “we,” “us,” “our” and “CCMC”, we refer to Cross Country Motor Club, Inc. or Cross Country Motor Club of California, Inc. Whenever we refer to the “activation process”, we refer to the online or telephonic activation process for the Hagerty Drivers Club Roadside Assistance Membership where you selected and purchased one of the following levels of membership benefits: 1st Gear Plan, 2nd Gear Plan, or 3rd Gear Plan.
2. Your membership purchase price is the price disclosed to you during the activation process and is available to you online or by contacting us. If you have purchased your membership by phone, you will receive a “confirmation of coverage” from us that sets forth the membership level. You will not be required to pay any sum in addition to this purchase price amount for any of the services thus specified. In the event the cost for the service exceeds coverage limits, you will be required to pay the additional service charges at the time service is rendered. Additional charges are not reimbursable.
3. Your membership begins on the purchase date and will continue for one year from the purchase date. Your membership will not renew unless you have subscribed to an automatic renewal, or unless you have elected to purchase an additional year of coverage. Your benefits will be available after a 24 hour waiting period from the date you initially enroll in the membership program.
4. Your membership may be cancelled by you at any time by contacting Hagerty Drivers Club Roadside Assistance Program, P.O Box 87, Traverse City, MI 49685. You may cancel your enrollment at any time. If cancellation is requested in the first 60 days of the membership term, you will receive a full refund. After the first 60 days of the membership term, only residents of the states that require a pro-rated refund of any unused membership dues will receive a refund, calculated from the cancellation date without any deductions. Your membership is non-cancellable by us except for fraud, material misrepresentation, abuse of the plan (such as seeking fuel delivery for convenience rather than for emergency purposes), or failure to pay the purchase price.
5. In the event of fraud, CCMC reserves the right to cancel your membership upon ten days written notice to you, effective at the end of the month.
6. Your CCMC membership benefits for the 1st and 2nd Gear Plans will cover only the Covered Vehicle(s) that you identified to us during the activation process, while operated by you or by anyone with your permission. For the 3rd Gear Plan, the benefits cover any of your vehicles, while operated by you or by anyone with your permission.
7. Services and benefits are available in the 50 states of the United States of America and the District of Columbia (but excluding its territories and possessions).
8. All charges over the mileage and dollar limit will be your responsibility, any toll or ferry fees will be covered under the service on all benefit coverage levels. The cost of a new battery, keys, or other vehicle parts are at your expense and are not covered under this auto club membership.
9. Roadside assistance, towing and lockout services and benefits are rendered as “emergency services” and are available only when the vehicle(s) covered is unable to proceed safely under its own power, either on the member’s premises (garage or driveway) or any normally traveled, paved public street, highway or parking area.
10. With towing services, if the repair facility is closed and no acceptable overnight drop procedure is available, the Covered Vehicle will be delivered to your home or another secure location within reasonable distance, with storage costs at your expense, and returned to the repair facility the next business day.
11. Someone must be with the Covered Vehicle at the time of the services, however we will make exceptions at your requests for exigent circumstances; in such cases, you agree to assume the risk of damages or theft to the Covered Vehicle prior to the arrival of the dispatched towing company.
12. CCMC is a dispatch company, and the service provider and service facilities are independent contractors and are not our agents or employees. As such, neither Hagerty Drivers Club, LLC nor CCMC can assume liability for any damage to a vehicle or injury to person(s) or other claims from the rendering of service or for personal items left in the vehicle. Any claims for damage to the property or injury to person(s) must be filed against the service provider or facility. We will assist you on a good faith basis to favorably resolve claims against these entities, and will work on your behalf to expedite the resolution of any claim.
13. Emergency Message Relay services are provided to you as a convenience, and CCMC shall not be liable for any failure or inability to perform or relay a message.

Reimbursement in Certain Circumstances:
When, because of unusual circumstances that are limited to (i) a one-time exception if you were unaware of the requirement to first contact CCMC for the dispatched services, (ii) a police dispatch (excluding those non-covered items in paragraph 6 below), or (iii) services on a restricted roadway (such as the Garden State Parkway in New Jersey), you utilize the option of obtaining emergency services through service provider that you have separately secured (a service provider is defined as an established commercial garage, service station or other repair facility), you may be eligible for reimbursement. For reimbursement (up to $50 per occurrence for the 1st Gear Plan, and up to $100 per occurrence for the 2nd or 3rd Gear Plans) send us within three months of the service your original pre-printed itemized receipt (including name, address, and telephone number of the service provider), your name, address, membership number, the date and location of your disabled vehicle when emergency services were provided, and a description detailing the emergency services provided and amount of the service charges. Private citizen’s assistance is not reimbursable. Reimbursement requests are to be sent to Hagerty Drivers Club Roadside Assistance Program, P.O. Box 87, Traverse City, MI 49685.

Non-Covered Items:

1. All parts, labor, and supplies provided while at an auto repair shop or service station or towing to another location from the original location to accommodate the driver.
2. Service for RVs (except vintage camper trailers), taxicabs, tractors, boats, rental vehicles, commercial vehicles (except under the 3rd Gear Plan, “retired” commercial vehicles are covered), dune buggies, ATV’s or vehicles used for competition, stolen vehicles, unlicensed vehicles, illegally parked or impounded vehicles or any vehicles in tow (excluding the covered trailer services described herein).
3. Trailers that weigh in excess of 15,000 lbs (including any cargo) or are over 35 feet in length. (Trailer coverage limited to the 2nd and 3rd Gear Plans only.)
4. Any and all fines or ambulance charges.
5. Rental of towing equipment.
6. Towing at the direction of a law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking or other violations of law or towing by other than a licensed service station or garage.
7. Installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains. Tire maintenance, including alignment, rotation, balance and maintaining tire pressure and normal wear.
8. Shoveling snow from around a vehicle.
9. Vehicle storage charges, cost of parts and installation of products, materials, impoundment, and additional labor relating to towing.
10. Benefits are not applicable if the need for service arises out of or in connection with an act of God, war, insurrection, riot, etc.
11. Expenses incurred by you that are not specifically listed in this Guide.

Specific State Provisions:
The schedule of benefits, terms and conditions may vary to conform to state laws as they exist from time to time:

Arkansas, Montana, North Carolina, Oklahoma and Wisconsin Residents:
You are eligible for two additional benefits: Theft Service and Trip Routing Service. For theft coverage, CCMC will pay up to a $250 reward for information leading to the arrest and conviction of anyone stealing your vehicle. A Theft Reward decal will be provided upon request (see below). For trip routing service, CCMC will provide you with a detailed trip routing package for your travel needs at no cost to you. To receive these benefits, send a self-addressed, stamped envelope to Hagerty Drivers Club Roadside Assistance, P.O. Box 9105, Medford, MA 02155, Attention: Theft and Trip Routing Services.  Please identify in your request whether you are seeking theft coverage or a trip routing. Terms and conditions of the theft benefit will be sent to you with the theft decal. For your customized trip routing package, complete and return the trip routing request card.

California Residents:
This brochure, together with the level of benefits you selected during the activation process and the membership card, is provided to California residents to indicate membership in the auto club, and is not a service contract under California law. If the membership is cancelled, you will receive a pro rata refund, without any deductions.

Maryland Residents:
In Maryland, the program is offered by Cross Country Motor Club, Inc., with a home office at 400 River’s Edge Drive, Medford MA 02155 (telephone number 800-292-3272). While the company does not have a physical location in the state, service of process may be made upon Cross Country Motor Club, Inc. through its registered agent. Maryland residents are asked to use the above listed toll-free number to contact the company by telephone. If the membership is cancelled and you have paid actual consideration for the auto club membership, you will receive a pro rata refund, without any deductions.

Mississippi, Nevada and Oklahoma Residents:
If the membership is cancelled, you will receive a pro rata refund, without any deductions.

Montana Residents:
Pursuant to MCA 61-12-301(12) and MCA 61-12-309 (the Montana motor club statutes), this brochure constitutes a “service contract” and upon receipt of membership, the member agrees and acknowledges the following:  (1) this “service contract” is deemed to have been signed by the member and motor club; and (2) the member and motor club have each received a copy of this fully executed “service contract”. Your signature on this “service contract” is deemed to have been received through one or more of the following methods: (i) if you have enrolled by phone, your verbal approval pursuant to MCA 30-18-102(9) (the Montana Electronic Transactions Act) is deemed your electronic signature, or (ii) similarly if you have enrolled through a web or mobile portal, your electronic approval is deemed your electronic signature. If the membership is cancelled and you have paid actual consideration for the motor club membership, you will receive a pro rata refund, without any deductions.

Utah Residents:
Under Utah law, these benefits may only be cancelled by CCMC upon 30 days’ written notice in the event of any of the following: (i) a material misrepresentation by you, (ii) a substantial change in the risk assumed reasonably unforeseen by CCMC, or (iii) a substantial breach of your contractual duties, conditions or warranties. With respect to the trip interruption benefits and reimbursement requests, a failure to provide timely notice or submit evidence of expenses within 30 days will not invalidate your claim if it was not reasonably possible for you to give the notice or file the receipts within 30 days and notice was given or the claim was filed as soon as reasonably possible.

Wisconsin Residents:
Under Wisconsin law, these benefits may be deemed an insurance policy. After the first 60 days and prior to the expiration of the term Cross Country agrees that it will not cancel your benefits except: (a) for failure to pay the membership fee; (b) in the event of material misrepresentation by you; (c) in the event of a substantial change in the risk assumed reasonably unforeseen by Cross Country; or (d) for a breach of duties, conditions, or warranties by you. No cancellation will become effective until at least ten days after the first class mailing or delivery of a written notice to you. You may cancel your membership at any time upon ten (10) days prior notice to CCMC. If you have a monthly membership and are paying in advance, you will be entitled to a refund for the month in which you have not received the membership benefit. For annual memberships, you will be entitled to a refund on the unused portion. KEEP THIS WITH YOUR INSURANCE PAPERS. PROBLEMS WITH YOUR INSURANCE? If you are having problems with your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve your problem. You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE (a state agency which enforces Wisconsin’s insurance laws) to file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by writing to:

Office of the Commissioner of Insurance
Complaints Section
P.O. Box 7873
Madison, WI 53707-7873

or you can call 1-800-236-8517 (within Wisconsin) or 608-266-0103 and request a complaint form. Cross Country’s address in the state of Wisconsin is 2605 W. North Ave., #247, Brookfield, WI53005. With respect to reimbursement requests, the submission of your claim for reimbursement should be made as soon as reasonably possible. Failure to give CCMC notice within the 30 days will not invalidate or reduce your claim unless CCMC is prejudiced by the failure to receive such notice. Under state law, CCMC may not cancel the membership due to excessive usage of the program by a member.

Wyoming Residents:
If the membership is cancelled, you will receive a pro rata refund, without any deductions. This CCMC Membership Plan is on file with the Wyoming Insurance Department effective 03/2018.

Please direct all communications, inquiries and claims to the Massachusetts office.

Services are provided by and/or through Cross Country Motor Club, Inc., Medford, MA 02155 except in Alaska, California, Hawaii, Oregon, Wisconsin and Wyoming, where services are provided by and/or through Cross Country Motor Club of California, Inc., Thousand Oaks CA 91360.

Form HGTY-18