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Membership is open to anyone who lives, works, worships, attends school or volunteers in (as well as all businesses located in) these geographic areas…
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Auto Insurance Policy Requirements:
Your credit agreement with us requires you to have full coverage auto insurance on the collateral until you pay off your loan. This protects you and the collateral should an incident occur.
Important: When you switch insurance companies always add Vantage West Credit Union as Lien Holder and provide us with a copy of the Insurance Declaration Page. (Lienholder Address: Vantage West Credit Union PO Box 20011 Carmel, IN 46082)
Below are the requirements for full coverage auto insurance:
– No excluded drivers
– Continuous insurance coverage with no lapses
– Comprehensive and collision coverage (or physical damage) with deductibles not greater than $1000
-Lienholder listed as: Vantage West Credit Union PO Box 20011 Carmel, IN 46082
PLEASE NOTE: An insurance ID card is NOT adequate evidence of the required physical damage insurance. Please provide a copy of your Insurance Declaration Page.
How to Provide Your Insurance:
For your convenience, you or your agent may visit www.myinsuranceinfo.com to provide proof of insurance
You may also submit your insurance declarations to [email protected] in PDF or TIF format
Vantage West Credit Union
PO Box 20011
Carmel, IN 46082
Have a question? Call Insurance Tracking Center 800.998.0763 (24 Hour Automated Service)
Para obtener informacion en espanol, favor de llamarnos gratis al 800.998.0763
This is a voluntary1 loan-payment protection product that may help you get relief from the financial burden of delinquency or default if a qualified protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.
If a qualified protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), DebtGuard could cancel or reduce repayment of your loan debt — which could help lessen your worries, and your family’s worries about paying loans during a time when your income may be reduced or lost and paying other bills becomes challenging.
Qualified protected events include involuntary unemployment, disability and loss of life (including those caused by acts of war).
What is GAP Plus with deductible assistance?
It could be a way to help protect your vehicle loan. Sometimes, primary auto insurance settlements don’t pay off your loan balance. When you buy a new or used vehicle, there’s no way to know if it will be stolen or totaled in an accident. With GAP Plus with deductible assistance2, you could be protecting your vehicle investment against a possible financial loss.
How does it work?
The GAP fee can be added to your loan or paid separately by cash, check, charge, or possibly electronic funds transfer. If there’s a difference between what you owe on your loan and the value of your vehicle determined by your primary insurance company, GAP Plus with deductible assistance may reduce or eliminate the difference based on the terms of your member agreement. By taking a few simple steps while signing your loan paperwork, you could be helping take responsibility for your financial future. Your loan officer can show you how. You can cancel within 90 days for a full refund.
Why is it valuable?
New and used vehicles often depreciate faster than the loan balances and vehicle loans are typically getting longer in terms. There may be a point where you owe more than it’s worth. That’s where GAP Plus with deductible assistance may kick in. GAP Plus with deductible assistance may reduce or eliminate the difference between the primary insurance settlement and what you may still owe. In addition, if your vehicle is stolen or totaled in an accident, it may cancel $1,000 of your next loan with Vantage West when you purchase a replacement vehicle within 120 days of your primary insurance settlement. GAP Plus with deductible assistance may help you prepare for the unexpected.
Mechanical Repair coverage can help you limit the cost of covered vehicle breakdowns. For more information, call or visit any Vantage West location.
1 Your purchase of Debt Guard is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Guard. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. ”
2Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.
Please see Mechanical Repair Coverage contract for complete details including costs, limitations, and exclusions.
Online Banking If you are logging in for the first time (or if it has been 6 months since your last log in), use temporary credentials in the box to the right. Once in, you’ll be prompted to set up new credentials.