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

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

This Plan is a program of, and all services are provided by and/or through, Cross Country Motor Club, Inc., except in Alaska, California, Hawaii, Oregon, Wisconsin and Wyoming where services are provided by and/or through Cross Country Motor Club of California, Inc.

Please see Membership Guidelines at the end of this guide for service terms and for other matters that apply to specific states.

Dear Member:

Welcome to Driver's OneCard®, the best choice for motoring protection. As a member, 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. (CCMC or Cross Country). Please take the time to review this guide, your membership kit, and other membership materials to familiarize yourself with everything Driver's OneCard has to offer. I know you will agree with me that your membership is a valuable asset, one that you'll never want to be without.

It is my pleasure to have you as a member of our growing group of drivers, and to put the full facilities of our club at your disposal. Your membership will provide you with a great number of important benefits and services, from trip routing to discounts on travel, hotels, and more. Be sure to review the contents of your membership materials to get the most from your membership.

All of us at Driver's OneCard 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.

Thank you for joining us.

Sincerely,

D.M. Campo
Manager, Member Services

Table of Contents

Round-the-Clock Assistance

Roadside Assistance

Live Event Tracking

Towing Service

Lockout Protection Services

Emergency Connect

Trip Interruption

Emergency Message Relay

Custom Trip Routing

Turn-by-Turn Directions

Membership Card

Change of Address

Cross Country Perks

Membership Guidelines

Privacy Policy

Terms of Service

Round-the-Clock Assistance
Simply call the toll-free number listed on your membership card – 1-800-448-6466 – 24 hours per day, 365 days per year. (For the hearing impaired – TDD 1-800-747-2128).

Our Roadside Assistance Dispatch Network is made up of over 20,000 tow and road service professionals in all 50 states and Canada. Depending on the circumstances, we'll provide one of the following services:

Roadside Assistance
Whether you're at home, or on the road, call us toll-free and we'll dispatch assistance. The authorized auto service provider we send will come equipped to solve the most common breakdowns including:

• Changing a flat tire using your inflated spare tire
• Jump-starting or boosting a battery
• Delivering up to two gallons of gas

You are covered for up to $50 per occurrence. You just sign the receipt and drive away.

Live Event Tracking
After service has been requested, you'll receive a text confirmation directing you to a website where you'll receive live event updates. Have peace-of-mind with access to all the pertinent details regarding your event, including who is coming and when, the Service Provider's contact and vehicle information, as well as a live map to track their status to your location.

Towing Service
If the auto service provider can't fix the problem on the spot, we'll arrange for your vehicle to be towed to the nearest authorized retailer, or destination of your choice, up to $50 per occurrence. Simply sign the receipt for service.

Among its many advantages, this unique service allows you to get your vehicle to a mechanic you trust or to another convenient location.

Lockout Protection Services
Being locked out of your car is not only annoying and inconvenient but potentially dangerous. With Lockout Protection Services, Driver's OneCard not only helps you get back into your car but provides value-added benefits in the event your keys are lost or damaged.

• Emergency Lockout Service – Car or Home – Provides free emergency lockout service to get you back into your car or home. Driver's OneCard offers a network of over 10,000 locksmiths in order to ensure that we can quickly solve your problem. Simply sign the receipt for service – up to $50 per occurrence.
• Computerized Lost Key Retrieval – A safe and effective way to help you get your keys back. You are assigned a special code which is entered into our data bank and printed on the key tag, along with our Key Retrieval System Address. Use the key tag for all your keys. If they're lost, anyone finding them can drop them in a mailbox and they are returned to us postage paid. We check the code, find they belong to you, call and let you know we've found them and immediately mail them back. It's that simple and that effective!
• Key Replacement Service – In the event that your vehicle key and/or fob is lost, stolen or destroyed, Driver's OneCard will reimburse you for the cost of repairing or replacing the key and/or fob up to $400 (including labor charges, programming, registration, and taxes). To be eligible for reimbursement, you will need to obtain a reference number from a Driver's OneCard Customer Service Associate (without a reference number your reimbursement claim may be denied). Prior authorization can be obtained by calling the toll-free roadside assistance line. To receive your reimbursement, mail, fax or email us with the following items:
  • Original receipts for your expenses
  • Driver's OneCard Member number
  • Your Driver's OneCard Reference Number
  • Explanation of vehicle key and/or fob's loss, theft or destruction

All documentation must be submitted within 30 days of securing the replacement or repaired key and/or fob.

Emergency Connect
A roadside disablement is never a pleasant experience and can occur at any time in any location. At Driver's OneCard, we are concerned for your safety such that the first question we ask when you call for help is: “Are you safe?” ... and, with good reason. If at the time of the disablement you feel unsafe, our agents are trained to connect you to the police, fire, or emergency medical personnel while our agent stays on the line. We have invested significant resources into the development of the technology and processes required to link your call to the appropriate local public safety answering point out of thousands found across the United States. And this can be just the difference that matters in an emergency. So, should you ever have a vehicle disablement - and we sincerely hope you don't - let us know if you're safe because your safety is our primary concern.

Trip Interruption
Just because your car is out of commission, doesn't mean you have to be too. If you're in a car accident that disables your vehicle when you are at least 100 miles away from your home, Driver's OneCard will reimburse you up to $100 a day for food, lodging and alternate transportation with a maximum benefit of $500 per occurrence. Just submit your claim and expenses through your automobile insurance policy. Whatever they don't pay for, Driver's OneCard will - up to $500.

To receive your reimbursement, mail the following items along with your Driver's OneCard member number to:

Driver's OneCard
P.O. Box 9145
Medford, MA 02155

• A letter of action taken from your insurance company for the charges submitted
• Original receipts for your expenses
• A copy of the accident report on file with the police

All documentation must be submitted within 30 days of the accident.

This benefit is not available to New York residents.

Emergency Message Relay
When you call us for emergency services, you may want to let family or friends know what's going on or ask someone to meet you. You can request that we convey up to three urgent messages to anyone, anywhere in the United States or Canada.

Custom Trip Routing
As a member, you have access to the trip planning, road maps and personalized itinerary services that can help make each trip exactly what you want it to be.

If you're looking for the “shortest distance between two points,” we'll map your route accordingly. If taking in the sights along the way is what you have in mind, we'll plan a scenic route for you.

Using the latest computer technology, this highly popular membership benefit now provides you with all of the following:

• Computerized, easy-to-read directions.
• Points of interest along the way.
• Your destination stop(s) in the order you prefer.
• Detailed highway information including route numbers, which way to head, road type and potential construction delays.
• The number of miles between junctions and destinations and a running total of miles traveled.
• The number of miles to be traveled on each highway and within each state.
• Projected driving time between stops and total projected driving time.

Download, complete and return the Trip Routing Request Form or call our toll-free number. Please allow 3-4 weeks for the delivery of this service.

Turn-by-Turn Directions
If you get lost while driving, simply call Driver's OneCard, and we'll provide you with reliable turn-by-turn directions to get you to your destination safely. No need to pull over to ask for directions or to waste time looking at maps. It's just another way Driver's OneCard keeps you safe on the road.

Membership Card
Your permanent Driver's OneCard membership card is very important and should be kept with you at all times. It contains your personal Driver's OneCard membership number, membership term, and toll-free number to call should you require assistance. You'll need your membership number every time you request any membership services from Driver's OneCard. In case the card is lost or stolen, please notify Driver's OneCard immediately for a replacement card.

Change of Address
It is important to notify Driver's OneCard of any change of address or e-mail address to avoid missing out on future bulletins and benefits. Please provide the customer service associate with your Driver's OneCard membership number when doing so.

Cross Country Perks
Access to Cross Country Perks entitles you to save money on everyday and specialty items.

Cross Country Perks is a national savings and discount program offering up-to-the minute deals on everyday and specialty items. Which means you can enjoy savings on a growing list of high quality brands, leading retailers, online stores, and popular service providers.

It's easy to use and new offers are added all the time - just use your membership number to log in at http://doc.crosscountryperks.com, where your discounts and savings opportunities are regularly updated.

Benefit reimbursements are covered under a contractual liability policy issued by Old Republic Insurance Company, Tulsa, Oklahoma,
under policy #GAL-672-825-1280.

Membership Guidelines

Important information. Please read thoroughly.
As a member of Driver's OneCard, 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.

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

The following provisions apply to your membership:

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.
2. This is a complimentary membership. You will not be required to pay any sum in addition to the amounts specified in this guide 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 of the plan, product, or service for which you received this complimentary membership and will continue until the expiration date indicated on your membership card. Your membership will not renew.
4. You may cancel coverage at any time by giving written notice to Cross Country. As these benefits are complimentary, you will not be entitled to a refund upon cancellation. CCMC will not alter the terms of these benefits or change the rates, if any, without first providing you with thirty (30) days notice.
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 cover only the vehicle named on the plan, product, or service for which you received this complimentary membership, 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, the District of Columbia and Puerto Rico (but excluding other territories and possessions), and Canada.
8. 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.
9. Frequency Limits - Service will only be provided for one disablement for the same cause during any consecutive 7-day period. Only one tow or other service per disablement will be provided. Services are for emergencies only and not intended to be a general repair service or used as a substitute for regular/ routine maintenance.
10. Roadside assistance, car or home lockout and towing services are limited to a combined four service incidents per membership year (the twelve month period from the date of purchase of the plan, product, or service for which you received this complimentary membership). Vehicle key replacement service is limited to one service incident per membership year. If more than the above number of service incidents occur during a membership year, we will continue to provide the benefits of dispatched service to your disabled vehicle, however, any resulting service charges must be paid by you, the member, at the time service is rendered and these charges are not reimbursable.
11. Emergency Lockout Service (car or home) - you will be required to show proof of membership at the time the service is provided for security purposes.
12. In the event that CCMC pays to you, or pays or incurs expense for your benefit, any sums in connection with or arising out of services obtained by you under this plan, then, to the extent of the amount paid or expense incurred, CCMC shall be subrogated to all of your rights, claims, and interest which you may have against any person, corporation, or legal entity liable or responsible for the loss or incident which occasioned such payment or expense, and you, by acceptance of such benefit, authorize CCMC to sue, compromise, or settle in its own name or in your name, or otherwise, all such claims, and you hereby agree that CCMC shall be fully substituted in your place and subrogated to all of your rights on account thereof, provided, however, that you must be made whole, that is, compensated for all the elements of your damages, before CCMC may have any recovery under this provision.
13. Since the service provider and service facilities are independent contractors and are not our agents or employees, CCMC can assume no 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.
14. Certain benefits (if applicable), including key replacement, custom trip routing, auto rental and other discounts, are provided by independent contractors who are not our agents or employees. CCMC assumes no liability for the acts or omissions of these providers.
15. The Emergency Message Relay and Emergency Connect services are provided to you as a convenience, and CCMC shall not be liable for any failure or inability to perform.
16. Turn-by-Turn (if applicable) - All routes, distances and driving times are derived using publicly available data. Under certain circumstances directions provided may not be the most direct or may be limited. Although this service is intended to assist you, no warranty is expressed or implied for the usability of the contents. We assume no liability for any loss or delay. With your safety being of the utmost importance to us, it may be advisable to disregard the instructions and to drive out of harm's way in situations where you feel unsafe.

Type of Vehicles Covered:
Your membership was designed with your passenger car or light truck in mind. CCMC offers full Emergency Road Service, Emergency Towing and Wrecker Service and Emergency Lockout Service for (i) self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation and (ii) trucks designed, licensed and used for on-road transportation, with a carrying capacity of up to 2,000 pounds, subject to the exclusions described in these membership guidelines.

Reimbursement in Certain Circumstances:
When, because of unusual circumstances, you utilize the option of obtaining emergency services through your own service provider (a service provider is defined as an established commercial garage, service station or other repair facility), first you must call Cross Country Motor Club, Inc. and receive an authorization number. For reimbursement (up to $50 per occurrence) send us your original (not a photocopy) pre-printed itemized receipt (including name, address, and telephone number of the service provider), your authorization number, your name, address, membership number, and a description detailing the emergency services provided and amount of the service charges.

For trip interruption reimbursement, your vehicle must be disabled while traveling more than 100 miles from your primary residence and require overnight repairs. You are entitled to reimbursement for the cost of food, lodging, rental car, and/or transportation charges up to the limits set below and subject to the following conditions:

1. Collision
   A disablement resulting from a collision with another vehicle or object which prevents your vehicle from proceeding safely under its own power and the collision has been reported in writing to the local or state police.
2. Emergency Trip Interruption Reimbursement consists of:
1. In the event of a collision, transportation by plane, train or bus to your residence after the disablement;
2. Your local commercial lodging and meals incurred after the disablement, in the vicinity of the disablement; and
3. Rental of an automobile from a recognized rental agency, such as those referenced on the back of your membership card.

Coverage Limits:
Emergency trip interruption reimbursement is limited to reasonable expenses up to $500 per disablement for those expenses incurred within 72 hours of the time of disablement due to a collision, inclusive of taxes and surcharges. Expense for lodging and food are not to exceed $100 per day. This service has been designed to assist with unplanned and reasonable expenses that may occur as a result of a disablement due to a collision. This benefit does not, and is not intended to, replace automobile liability and personal injury insurance. Benefits are not applicable if disablement is due to an act of God, war, insurrection, riot, or similar event. Only the member is entitled to reimbursement for emergency trip interruption benefits. Coverage does not include expenses for alcohol, entertainment or limousine service.

Vehicle key replacement reimbursement is limited to reasonable expenses up to $400 for those expenses incurred to repair or replace a key and/or fob that has been lost, stolen, or destroyed, inclusive of labor, programming, registration, taxes and surcharges. Coverage does not include expenses for alternative transportation.

For reimbursement claims: All claims must be mailed to Driver's OneCard, Claims Department, P.O. Box 9145, Medford, MA 02155 within thirty (30) days of the disablement or occurrence, accompanied by the bill and verification records requested previously. Claims received after that time period may not be honored and are subject to the full discretion of CCMC.

Unless otherwise restricted under state law, CCMC reserves the right to limit and/or cancel membership when, in CCMC's reasonable judgment, the benefit usage becomes excessive in frequency or type of occurrence. Private citizen's assistance is not reimbursable.

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 taxicabs, tractors, boats, rental vehicles, commercial vehicles, dune buggies, ATV's or vehicles used for competition, stolen vehicles, unlicensed vehicles, illegally parked or impounded vehicles or any vehicles in tow.
3. Any and all fines or ambulance charges.
4. Rental of towing equipment.
5. 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.
6. Installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains.
7. Shoveling snow from around a vehicle.
8. Vehicle storage charges, cost of parts and installation of products, materials, impoundment, and additional labor relating to towing.
9. Benefits are not applicable if the need for service arises out of or in connection with an act of God, war, insurrection, riot, etc.
10. Expenses incurred by you that are not specifically listed in this Guide.

Discounts:
Discounts (if applicable) are valid at participating locations. Certain restrictions may apply. Participating locations and savings vouchers may be added or deleted and the level of discounts are subject to change at any time. When making reservations, please have your membership card available and show all vouchers to participating vendors.

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

California Residents:
This brochure, together with the application and membership card, is provided to California residents to indicate membership in the motor 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: 1-800-448-6466). 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 in Maryland. Maryland residents are asked to use the above listed toll-free number to contact the company by telephone.

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.

New York Residents:
Trip Interruption benefits are not available.

Utah Residents:
Under Utah law, these benefits may only be cancelled by CCMC (a) upon 10 days' written notice for nonpayment of the fees when due, or (b) 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. The foregoing notification periods do not apply if the membership has been in effect for less than 60 days when the written notice of cancellation is mailed or delivered. 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. The national savings and discount benefits (Cross Country Perks) are made available by an affiliate of CCMC, Cross Country Services; the benefits are expressly not included as a component part of your motor club membership. This complimentary membership in Cross Country Perks will run coterminously with your motor club membership.

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 12605 W. North Ave., #247, Brookfield, WI 53005. With respect to the trip interruption benefits and 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. Benefit reimbursements are covered under a contractual liability policy issued by Old Republic Insurance Company, Tulsa, Oklahoma, under policy #GAL-672-825-1280.

Wyoming Residents:
If the membership is cancelled and the member has paid actual consideration for the motor club membership, the member will receive a pro rata refund, without any deductions. This plan is on file with the Wyoming Insurance Department effective 3/2018.

To receive your Key Tag, please click here to print the form below. Complete the form, place in an envelope and mail to:
Driver's OneCard, P.O. Box 9105, Medford, MA 02155, Attention Fulfillment. (Please allow 7 to 10 days from receipt of the form.)

To receive your trip routing materials, please click here to print the form below. Complete the form, place in an envelope and mail to:
Driver's OneCard, P.O. Box 9105, Medford, MA 02155, Attention Fulfillment. (Please allow 7 to 10 days from receipt of the form.)

Form KF50-400NT-HL