全损车辆帮助

It means that the cost to repair your vehicle exceeds its value.

If your insurance company declares your car a total loss, they will provide you with a valuation appraisal on the vehicle and an explanation of how the value was determined. Next, they will typically provide you with paperwork that you will need to sign. Complete and return the paperwork as soon as possible to avoid delays in issuing payment. 也, make sure you provide your claim representative with our fax number so they can send us a Letter of Guarantee.

This document is required by the insurance company. It lists the agreed-upon amount the insurance company will pay in exchange for the vehicle's title. We will contact you to verify the settlement amount and then sign and return the document to your insurance company. Your insurance company will then issue a check directly to the credit union, 哪一项会被应用到你的贷款余额中. We will then release the vehicle's title to the insurance company. 

Please be advised that there may still be a remaining balance on your loan. 如果有的话, it is your responsibility to pay the balance in full or contact the Credit Union to discuss other options, 如果需要.

Typically, the insurance company will give you the option to keep the vehicle. 然而, 如果你保留它, the settlement amount will be reduced by the value of the salvage, 这个飞行器可以被重新命名为打捞. Additionally, you will want to determine if GAP (Guaranteed Asset Protection) coverage exists. 

如果你决定留下这辆车, 你必须继续按月付款, and we will keep the title until the loan is paid in full.
 

When a vehicle is totaled in an accident or stolen and not recovered, 你欠的钱可能比车的价值还多. GAP insurance reduces or eliminates the difference between the insurance settlement and the loan balance. Review your documents to determine if you purchased GAP insurance through the dealership, 你的保险公司, 或者直接通过信用合作社.

是的. Contact us at 1-800-444-4816 and let us know the agreed amount so we can make a note on your account. Make sure you have your insurance information when you call, 包括理算员的联系方式. If you know the vehicle's mileage, this may also be helpful. Your representative can review your loan documents to confirm whether you purchased GAP insurance or any warranties. 

If GAP was purchased from Credit Union of Colorado, the representative will notify a branch location to start your claim. 如果你在别处购买了GAP, we can provide the contact information so you can call them to start a claim. 
 

If the GAP policy was purchased through the dealership, 你的保险公司, or from the credit union you will need to call them to open a claim. The GAP company will request documents from your loan, 保险索赔, 还有一份警方报告, 如果适用的话. We suggest following up with them until they confirm they have received all the documents. Some GAP carriers may close your claim if all the required documents are not provided within a certain amount of time. 

If you purchased GAP from Credit Union of Colorado, contact us to open a claim.
 

你可能有权要求退款. Contact the dealership where you purchased the vehicle or the warranty company directly to inquire. Typically, they will require the mileage at the time of the loss. 如果你有资格获得退款, it will be pro-rated and the funds will be sent directly to the credit union to be applied to your loan. 如果你的贷款余额已经全部付清, the funds will be deposited into your share savings account. 

是的, you are still responsible for making your payment each month until your loan is paid in full. 逾期付款可能会影响你的信用评分. 从你的保险公司收到的任何款项, 差距覆盖, or warranty refunds will be applied to the principal balance of your loan, but do not meet the requirements of a monthly loan payment. 

If you need assistance, contact us to review your options. 在整个过程中请与我们保持联系.
 

If a balance remains once insurance and/or GAP proceeds have been applied, 余额由你负责. If you cannot make a lump sum payment, we have loan options available. If you would like to discuss rewriting the balance into a new loan, contact our Member Lending Center at 1-800-444-4816. 

You may apply for a new car loan while your total loss is being processed. 了解更多关于我们的车辆贷款在这里 or contact our Member Lending Center at 800-444-4816.