Crash Care Coverage, LLC

Over 230 million licensed drivers in the U.S. carry auto insurance, yet most are completely unprepared for the moment they are at fault in an accident. When that happens, they are required to pay their full deductible out of pocket — often $500 to $1,000 — at the worst possible time. This creates immediate financial stress and delays vehicle repairs.

 

Compounding this burden, insurance companies have steadily increased their wait time to clear moving violations and at-fault accidents from 3 years to 4–6+ years. During that period, annual premiums for Comprehensive Collision coverage remain elevated. As a direct result, drivers have responded by raising their yearly deductible to keep their premiums affordable — which means that when an accident does occur, the out-of-pocket cost is even higher than before. Every additional moving violation or at-fault claim restarts the clock from the date of the last infraction, further extending the financial impact on the driver.

 

Crash Care Coverage (CCC) eliminates that burden entirely. For a simple annual fee of 25% of the insured's deductible, CCC covers the full deductible amount in the event of an at-fault comprehensive collision — paid directly to the member or the repair shop. No claims filed with insurers. No rate increases. No impact to the vehicle's database record.

 

CCC generates revenue through annual membership fees at 25% of each member's deductible. Distribution channels include auto dealerships, insurance brokers, independent agents, auto repair shops, and direct-to-consumer advertising across TV, radio, and digital.

 

CCC is designed to launch nationally across all U.S. states and territories simultaneously. As the first and only business of its kind, a nationwide launch is essential to establish CCC as the originator in the market, protect the concept from imitation, and corner the market before competitors have the opportunity to emerge.

 

Starting Capital Requirements:

 

With minimal starting capital, the immediate priorities are:

1. Completion of a full business plan

2. A minimum guaranteed grant of $50,000 or in excess thereof

3. Loans, if required