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A: As part of your loan obligation, you will be required to maintain physical damage insurance for the full term of your loan. You may have received a letter or email from ITCU requesting a current copy of your insurance, showing ITCU as the lienholder on your insurance policy. If you have not already responded or asked your agent to respond to us, you can submit your insurance information by mail, fax or online.
A: One of the requirements of the Loan Agreement you signed with InTouch Credit Union is to provide comprehensive and collision coverage, homeowners insurance coverage, or flood insurance coverage protecting the Credit Union’s interest for the full term of the your loan. You are responsible for notifying ITCU that you have this required insurance.
A: You should submit proof of insurance online, using the secure tools we set up for this purpose, or by mail or Fax.
Submit Proof of Insurance Online
A: You need to get it.
Your Loan Agreement requires that you carry physical damage insurance coverage, homeowner’s insurance coverage, or flood insurance coverage to protect the Credit Union’s interest. Please notify ITCU once you have obtained the required insurance.
You can do it yourself— Please contact the insurance agent or insurance company of your choice to obtain coverage, making sure to name InTouch Credit Union as Loss Payee/Lienholder on your new policy.
Or, we can do it for you.
If you don’t obtain your own insurance, your signed Loan Agreement allows ITCU to purchase insurance to protect our interest in your collateral and add the premium for the purchased insurance to your loan balance. It also allows ITCU to increase your payments to cover the cost.
The insurance purchased by InTouch Credit Union usually is considerably more than the cost of insurance you may be able to obtain on your own, and only protects the Credit Union’s interest in your collateral. It will not provide any bodily injury or property damage liability coverage, nor meet any financial responsibility or no-fault laws. The insurance will not provide medical insurance, uninsured motorist or underinsured motorist coverage.
