Excess Wear & Tear Protection Plan


Things Happen...

Worry-free Ownership Experience

Protection Against Unforeseeable Events

No Unexpected Additional Costs


Your regular auto insurance will only cover certain types of damage, usually not including cosmetic damage or missing parts. However, if you decide to return your vehicle to Auto Financial Group at loan/lease maturity, you will be subject to certain vehicle return condition requirements. Industry averages for excess wear & tear costs are currently around $1,000 per vehicle!

With the Excess Wear & Tear Protection Plan you don’t have to worry about additional charges arising from missing parts or cosmetic damage due to unforeseen events, such as a grocery cart hitting your car in a parking lot or damage to your wheels after hitting a pothole.


  • Future, current, and up to 2 model year old vehicles
  • Less than 21,001 miles on odometer at loan/lease inception
  • 24-72 month loan/lease terms
  • Vehicles with an MSRP < $150,000
  • Available for purchase only at loan/lease inception


  • Exterior dings, scratches and chips
  • Interior tears and stains in leather, cloth or vinyl
  • Electronics/GPS replacement or repair of factory navigation, stereo or DVD system
  • Wheel/tire damage
  • Bumpers/trim dents, scratches or gouges
  • Windshield/window cracks, scratches or replacements
  • Light/lens cracks or clouded lenses
  • Muffler/tail pipe damage
  • Exterior/interior missing parts (i.e., keys and manuals)