Unexpected car troubles can disrupt your routine, causing missed work, stress, and financial strain. When your car breaks down, it’s not just an inconvenience—it’s a challenge for your entire household. ESI has partnered with Commute Guard, powered by FIMC, which is here to help you stay on track.
Don’t wait until you’re stranded—see how Commute Guard can keep you moving when it matters most. Click below to learn more and get the protection you need today.
Commute Guard helps members and their families avoid lost earnings and minimize disruptions when their car breaks down.
Benefits include 24/7 towing & roadside, reimbursements for auto repairs, rental car and rideshare expenses plus a membership that connects families with caregivers.
Commute Guard offers a wide range of benefits to address common car troubles and ensure your household is protected. From towing services to caregiver assistance, this plan is designed to cover your needs effectively:
Towing & Roadside Assistance: Provides towing to the nearest facility or a facility of your choice, up to 30 miles. Includes roadside assistance for jump-starts, lockouts, tire changes, emergency fuel deliveries, and more.
Auto Repair Reimbursement: Covers up to 50% of repair costs, with up to $500 reimbursement per repair. This benefit can be used twice per year, offering up to $1,000 annually in savings on car repairs.
Rideshare Reimbursement: Ensures you don’t lose income while your car is in the shop. Covers Uber or Lyft rides to and from work, reimbursing up to $250 per year. This benefit can be used for up to two weeks during repair periods.
Rental Car Reimbursement: Offers discounts with national rental agencies and reimburses up to $250 per year for rental car expenses, giving members the flexibility to choose between renting a car or using rideshare services.
Care.com Premium Membership: Includes access to pre-screened backup caregivers for children, elderly parents, and pets. This 24/7 service ensures you have support for unexpected caregiving needs, helping you save $39/month.
Choosing Commute Guard means you’re making a smart decision to reduce disruptions caused by car troubles. Here are the reasons why Commute Guard stands out:
Minimized Disruptions: Avoid lost earnings and stress by quickly resolving car troubles.
Household-Wide Protection: Coverage extends to every car and family member in your home.
Fast Claims Processing: 99% of claims are processed within 3-6 days, ensuring a hassle-free experience.
Affordable Premium: Only $25 per month via payroll deduction.
Flexibility: Choose between rental car reimbursement or rideshare options to suit your needs.
Managing car trouble can already be stressful, so we’ve ensured that our claims process is as simple as possible. Here’s how it works:
Open the FIMC app or call our 24/7 support line to report your issue.
Provide the necessary details about your car trouble and location.
Our team will quickly dispatch roadside assistance or help you initiate a claim for reimbursement.
Claims are processed within 3-6 days, ensuring minimal disruption to your life.
We know you’re busy, so we’ve made our claims process straightforward and paperless. Simply request assistance via the FIMC app or call our 24/7 support line.
Auto insurance is an insurance policy that provides financial protection against losses arising from accidents, theft or damages involving a motor vehicle. Depending on the policy it can cover accident repairs, liability for damages to other parties, and even medical expenses for injuries sustained in an accident. Commute Guard is not auto insurance, but compliments auto insurance by focusing on specific pain points like towing, mechanical repairs, and alternative transportation, ensuring you stay mobile and avoid disruptions.
Commute Guard is not insurance, and is designed to fill gaps that insurance may leave behind. For example, while auto insurance may cover repair costs due to an accident, Commute Guard provides additional benefits that your insurance may not, like rideshare or rental car reimbursements to keep you moving. This synergy ensures comprehensive protection for all your transportation needs.
This will help mitigate a common cause of missed work while helping to cover the cost of repairs and alternate transportation.
When your car breaks down, it can cause you to miss work, lose wages and put added stress on your entire family. When it comes to jobs that can't be done remotely, cars are essential to get to work.
A 10-year old car will need a major repair every 18 months, while the average age of a car in the U.S. is 13 years old.
Missing work because of a car issue can mean losing income for your family. Making matters worse, 50% of Americans — across all income brackets — don’t have $500 to cover an unplanned expense.
Commute Guard helps to overcome unexpected car troubles quickly by dispatching 24/7 roadside & towing, paying for some of the repairs and making sure you have an alternative and reliable way to get to work.
Benefits cover all cars and family members in the household, not just the employee.
Commute Guard ensures that unexpected car troubles don’t derail your work or family life. With coverage for towing, repairs, and alternative transportation, we help you get back on the road—and back to work—quickly.
Talk to your benefits representative to explore how Commute Guard can provide security and convenience for you and your family.
Commute Guard can be cancelled at any time by calling 1-800-621-5287 or by logging into the Commute Guard member portal and speaking with an agent via online chat.
FIMC benefits and services are administered by, or provided through, The American Traveler Motor Club, LLC. In Alabama, benefits and services are administered through ATMC-Alabama, Inc. Each of these entities is a subsidiary of FIMC Partners, LP.
Commute Guard is not available in: Alaska, Arkansas, Massachusetts, Minnesota, Montana, New York, Oklahoma, Vermont
Still doing your own payroll? Tasks involved with Payroll and Employee Administration are purely transactional events.
At eESI, our business is all about assisting with the management of any organization’s most valuable resource: people.
A benefit package can be a major incentive to lure the best new talent to your workforce and keep your current employees happy.
Risk is a basic part of business. As a co-employer we work to eliminate, mitigate or share your associated legal liabilities.
eESI continuously utilizes the latest in technological advances through online and mobile solutions to make your life easier.
Still doing your own payroll? Tasks involved with Payroll and Employee Administration are purely transactional events.
At ESI, our business is all about assisting with the management of any organization’s most valuable resource: people.
A benefit package can be a major incentive to lure the best new talent to your workforce and keep your current employees happy.
Risk is a basic part of business. As a co-employer we work to eliminate, mitigate or share your associated legal liabilities.
ESI continuously utilizes the latest in technological advances through online and mobile solutions to make your life easier.
