A wrecked vehicle can wreck your finances if you owe more on your loan than your 保险 will pay. 你把新车开出停车场的那一刻起, 它的价值下降, 这就造成了覆盖面的差距.
我们的保证资产保护(GAP)1 program can help cushion you and your family against sudden out-of-pocket expenses and goes beyond traditional protection.
下面是它的工作原理: GAP + may reduce or eliminate the gap between what your vehicle 保险 will pay and what you owe on your loan if your vehicle is deemed a total loss. +, it helps you get into your next vehicle by reducing your next loan at the credit union.
可扣除的援助 is additional protection to provide financial relief when your vehicle is damaged, 但不认为是完全损失. 如果维修费用超过你的免赔额, 扣除的金额将应用于你的贷款, 减少你的欠款.
最高津贴可达50,000元
在贷款期限内的任何时间登记
Only $595, which can be rolled into your auto loan, giving you one easy payment
Additional protection provides financial relief when your vehicle is damaged, 但不认为是完全损失
GAP 保险 can reduce or eliminate the “gap” between what your vehicle 保险 will pay and how much you owe on your loan if your vehicle is deemed a total loss.
可扣除的援助 provides financial relief when your vehicle is damaged 但不认为是完全损失. 如果维修费用超过你的免赔额, 扣除的金额将应用于你的贷款 to reduce what you owe.
覆盖范围取决于许多变量. 当您的贷款在发起时添加时, GAP保险可能每月不到10美元, 并且可以滚动到你的贷款支付中. 简单的 安排Zoom约会 or 参观我们在当地的分支机构 以了解更多有关GAP的资料.
Patelco在线™ helps you stay up to date on all your finances, including your loans. 我们让它变得简单和安全:
Patelco提供保险解决方案2 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.
Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. 你准备好迎接预期了吗?
如果你受伤了，不能工作怎么办? 你目前的保险范围够吗? 或者万一你意外死亡, will your family be able to keep up with everyday expenses and debt?
It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, 不超过合同的最高限额, 如果你有失业保险, 残疾或去世.
但是如果其他意想不到的开支出现了怎么办? 你能弥补差额吗?
例如, 得到一辆新车是令人兴奋的, but it starts losing value the second you drive it off the lot. And if it gets wrecked or stolen you could owe more than your 保险 will pay, 这个差距可能是数千美元.
一次性费用为595美元, 资产保障, 或GAP +, can help reduce that gap and put you back where you belong – behind the wheel. 它可以作为你贷款的一部分. This averages out to just over $8 per month over the course of a 5 year loan, 给你保护，可以帮助你提供内心的平静.
但是，当那些巨额的维修账单来临时，会发生什么呢?
Mechanical Breakdown 保险 (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, 租金和差旅费报销, 和更多的. So when life throws you an unexpected curve – you can be covered.
向团队成员询问报价或了解更多信息 Patelco.org/保险.
想买辆车? Learn how to make the most of your large purchase with tips on how to prepare, 研究, 省钱, 买车的时候要量入为出.
恐怕你付不起车贷了? Get the information you need to decide if you should refinance your car, 寻求暂时的帮助，或者卖掉你的车，然后继续生活!
了解如何在汽车保险上省钱. Discover tried and true ways to reduce premiums and uncover discounts. 你现在也可以存钱了!
1 Your purchase of MEMBER’S CHOICE™ 资产保障 (GAP), 其中包括免赔援助, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, 条件, and 除外责任 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. 您可以随时取消GAP. If you cancel GAP within 90 days, you will receive a full refund of any fee paid. mrc - 3628239.1-0621-0723, - 3628235的差距.1-0621, DP-3628229.1-0621-0723
2 保险 products are not deposits of 帕特尔科信用合作社 and are not insured by the NCUA. They are not guaranteed by 帕特尔科信用合作社 and may be subject to risk. Any 保险 required as a condition of an extension of credit by 帕特尔科信用合作社 need not be purchased from Patelco 保险 Services and may be purchased from an agent or an 保险 company of the member’s choice. Patelco 保险 Services is a subsidiary of 帕特尔科信用合作社. 保险 products are offered by Patelco 保险 Services, 加州保险代理公司(许可证#0C97544). Any complaints may be filed with the California Department of 保险, 保险.ca.政府.
所有陈述均受条款约束, 除外责任, 条件, 适用保险政策的限制. 并不是所有州都提供保险和特性. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow, and may vary by state. 某些折扣只适用于特定的保险项目. 在法律允许的范围内, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.
