Motor Club of America (MCA) – Scam or Legit?
Motor Club of America, also known as MCA has been marketed aggressively online. So what is Motor Club of America? Motor Club of America is a roadside assistance program in line with AAA but offers additional services/discounts such Emergency Road Service, Travel Assistance Reimbursement, Trip Planning and Travel Reservations, Arrest Bond, Attorney Fees and more with varying levels of membership programs ranging from $9.95 per month up to $39.99 a month.
Motor Club of America appears to be owned by a company called TVC Matrix. Although the company is not accredit by the Better Business Bureau they do have a B- rating with most of the complaints being related to sales tactics by independent sales representatives of the company. There is nothing that I can find that will allow me to arrive at a conclusion that Motor Club of America is a scam. It appears that the services that are advertised are being provided. However, you may be researching Motor Club of America as part of your due diligence process from a business opportunity prospective. With regard to Motor Club of America from a business opportunity prospective I will not call Motor Club of America or TVC Matrix a scam but share a few things that turned me off about the opportunity.
For starters, in order to be eligible to earn commissions as a sales representative you have to enroll at the highest membership level of $39.99 per month. However you have to pay $79.98 for the 1st month, $39.99 a month up until the last month when another payment of $39.99 is due…a total of $559.86 a year. Why do I have to become a member in order to sell memberships or recruit others to sell under me? Perhaps if I wanted a membership I wouldn’t mind as much but I don’t have a need for any of it. I get road side assistance as part of my auto insurance policy, already have access to discounted legal fees and have prescription, eye and health coverage. Even if I didn’t have the coverage that I do almost $600 a year seems pricey to me.
Second, as a representative you are held liable for chargebacks as well as having to pay back any commissions that are fronted to you. Of course, this is not totally terrible as fronting commissions has long been practice in the insurance industry. However it is my opinion that this could potentially put someone in a serious financial bind if people cancel at a quick rate.
Third, many states view membership sales such as Motor Club of America as service contracts. As such there are 20 state that require a person to register and obtain a license with the respective state department of insurance. I cannot find any evidence online that states that TVC Matrix cares or even knows about this.
Fourth, the TVC Matrix website looks like it was put together by a 3rd grader. It is not visually appealing and doesn’t provide much information. As far as I can tell there is not a corporate website for Motor Club of America but rather dozens of websites that could be misconstrued as corporately owned but are run by affiliate marketers.
Last, professionalism and Motor Club of America does not equate. There are tons of YouTube videos with affiliate marketers waving cash in front of the camera, making wild income claims and dressed like they’re heading to play a game of pick up basketball. How could I go into an auto parts store or speak to a tow truck dispatcher and speak about all the great benefits that Motor Club of America offers only to run the risk that the person is going to do their due diligence online and come across the same garbage that I have?
In closing, I cannot say that TVC Matrix/Motor Club of America is a scam and that you can’t make money by selling memberships but I would think long and hard before jumping in for the reasons above.