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Auto Dealership
A car’s value drops the moment you drive it off the lot — but your investment doesn’t have to. A Depreciation Protection Waiver (DPW) helps you recover lost value if your vehicle is stolen or totaled, putting real money back in your pocket.
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What is DPW?

  • DPW protects your vehicle’s original value - not just what it’s worth after depreciation.
  • If your car is declared a total loss, DPW pays the difference between the vehicle’s value when you enrolled and the loan balance at the time of the loss, up to your selected benefit amount.
  • In short: You keep the equity you’ve built, even if the unexpected happens.

Real-Life Example

You enrolled in DPW with a $10,000 benefit on a new car valued at $32,000. A year later:

 

Your loan balance:

(At the time of loss)

$26,000

 

Insurance payout:

(current market value)

$27,000

 

DPW payout:

 (maximum benefit)*

$6,000

Your remaining loan balance after insurance: $20,000.
DPW applies: $6,000 benefit reduces your remaining loan.
You walk away with $7,000 back in your pocket.
DPW helps turn lost value into real cash.

*Note: DPW benefit applies first, then you receive $7,000 after insurance payout

When Does DPW Make Sense?

DPW is especially valuable if:

  • You financed less than 80% of your vehicle’s value
    Your equity is at risk if the car is totaled or stolen
  • You made a large down payment, trade-in, or rebate
    DPW protects that built-in equity from being lost to depreciation
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What’s the Cost?

DPW starts at just

$744.00

A one-time cost that can be included in your loan.

For many members, it’s a small price to protect a major investment.

Want to Learn More? 

We’re here to help you protect what matters most.

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an associate today.

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