Fraud Alert! Community Bank employees will NEVER ask for your Debit Card Information, Digital Banking login credentials or MFA code to verify transactions. DO NOT provide your personal information to anyone claiming to help you with unauthorized transactions. DO NOT click on a link or photograph in a text message or email you are not expecting. Call us immediately if you suspect fraud, (304) 485-7991.
We understand that your vehicle is a vital part of your daily life and an important investment. That’s why we offer a range of Auto Protection Services designed to help you stay on the road with reassurance. From unexpected mechanical breakdowns to total loss accidents, our coverage options can help protect you from costly surprises.
The following information is intended to provide you with an overview of these services rather than in-depth information about all the plans available. If you have questions, contact one of our lenders. Complete terms and provisions are contained in each service agreement.
Through Route 66 Extended Warranty, we offer a complete line of coverage designed to keep your vehicle on the road. No matter where you travel in the United States, you’re protected against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor.
Complete terms and provisions are contained within each Service Agreement. Please refer to your Service Agreement for complete details.
If your car is declared a total loss by the insurance company due to collision or act of God, you’ll be refunded the entire original premium of your service agreement.
Choose from three levels of protection so you can find the right fit for your needs and budget:
Includes all items covered in First Street, plus:
When buying a vehicle, depreciation begins long before that new car smell starts to fade. Meaning, if your vehicle is totaled or stolen, you could be stuck paying for the “gap” between your insurance settlement and your loan balance.
We are partnered with Frost® to provide you with this coverage.
* May not be applicable; see your GAP Addendum for details. Deductible coverage is not available in the state of New York.
** Source Kelly Blue Book May 2025
If your vehicle is totaled, TotalRestart picks up where GAP leaves off. While GAP helps cover the outstanding loan balance, it won’t replace your down payment. With TotalRestart, you may be eligible for a credit when you return to Community Bank for financing your replacement vehicle. TotalRestart helps provide the funding to help get you back on the road in a similar vehicle.
We are partnered with Frost® to provide you with this coverage.
A: Route 66 is one of the most cost-efficient service agreements in the industry. It offers mechanical breakdown coverage and protects you against the high cost of major repairs. It offers various levels of protection and provides Emergency Roadside Service throughout the life of the contract.
A: All of our vehicle service contracts begin on the day you buy them, not the in-service date of the car. Quite simply, we offer you more time than the others. If you purchase a 5 year/100,000 mile vehicle service contract today, it will expire 5 years from today or when your odometer reaches 100,000 miles.
A: Your vehicle service contract is less expensive the earlier you purchase it. As the vehicle ages and accrues mileage, the price for protection rises. Prices may also rise due to increasing labor and parts prices. Why not lock into today’s low prices and protect yourself from tomorrow’s rising repair rates?
In addition, you can take advantage of the plan benefits for the entire life of the contract, even while you are covered by the manufacturer’s warranty. Take advantage of Route 66’s Roadside Assistance and car rental reimbursement benefits immediately and for the life of your vehicle service contract.
A: Let’s use this as an example: At the time of loss, your loan balance is $31,000. The insurance company places the vehicle’s value at $27,000. After a $1,000 deductible they provide a settlement of $26,000. You still owe $5,000 on a vehicle you can no longer drive. GAP can help cover part of that balance, and in some cases, may cover all of the balance.
A: Older vehicles are eligible for GAP as long as you can find the values under the J.D. Power New/Used Car Guide.
Here are the year limitations for the various collateral types:
*If age limitation is exceeded on private passenger vehicles, then at claim time we will use Low Retail Value listed in the J.D. Power Classic, Collectible, Exotic or Muscle Car Guide to determine the LTV.
A: Yes, there are no mileage restrictions.
A: No, it is a membership loyalty benefit offered by the lender. The depreciation benefit is only valid as a credit toward the financing of a replacement vehicle at the financial institution that provided the TotalRestart membership.
A: TotalRestart is a benefit that is triggered if the borrower’s vehicle is deemed a Total Loss by their primary insurance company and occurs during the term of the benefit. They must also finance their replacement vehicle with our financial institution within 90 days from their primary insurance provider’s claim settlement.
A: TotalRestart is only available for private passenger autos, SUVs and light trucks (motorcycles, boats and RVs are not eligible). Vehicles used for commercial purposes are not eligible for membership.
