Do I need additional accident insurance when renting a car with my Delta Community Visa?

All cars rented with your Delta Community Visa Credit Card automatically have Auto Rental Collision Damage Waiver (ARCDW) coverage as secondary, as long as you decline the collision coverage at the time of rental from the car rental company. The ARCDW coverage reimburses cardholders for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages up to the actual cash value of most rental cars. The program covers rentals up to 15 days within the United States and 31 days outside the United States.

• The ARCDW is supplemental/secondary and will only cover loss in excess of any other insurance coverage(s) available from the cardholder.
• The ARCDW coverage is supplemental/secondary if a cardholder rents a vehicle within their country of residence.
• The ARCDW coverage is primary if a cardholder rents a vehicle outside their country of residence.
• Theft or damage from car rental transactions that originates in Israel, Jamaica, the Republic of Ireland or Northern Ireland are not covered.

A claim should be filed under the Auto Rental Collision Damage Waiver (ARCDW) only when you have filed with any personal insurance policy you have available.

For more details and claim information go to www.Visa.com/eclaims, call 866-390-9735 or email at eclaimsline@eclaimsline.com

*The Primary Loss Damage Waiver (LDW) coverage is no longer available.

Does Delta Community accept salvaged titles for car loans?

We do not accept branded titles for auto or collateral loan, including but not limited to salvaged, bonded, odometer discrepancy, rebuilt or reconstructed.

If you qualify, you can take out a personal loan. You can apply for the personal loan by logging into your Online Banking and choosing Apply for a Loan or Credit Card under the Loans tab.

Does running a credit check for an insurance quote affect my credit rating?

While credit checks made by an insurance carrier will appear on the credit report, they are clearly identified as insurance inquiries.

I moved to another state, can I get my title to register in the new state?

You must go to your local DMV (Department of Motor Vehicles) or tag office in the new state and explain that you have a title issued by another state. The DMV will either complete the form and submit it to the credit union or give you a form to complete and send in to the credit union. The form can be faxed to 404-677-4809 or sent by mail to: Delta Community Credit Union, Attn Titles, PO Box 20541, Atlanta, GA 30320-2541. Once the request is received the Title Department will send the old title via certified mail to the new state's DMV office or tag office.

If I want to get pre-approved for an auto, do I need to list the security offered on the application?

There is no requirement for the security field when applying for a pre-approval. Pre-approvals are good for 30 days. Once you are pre-approved, then we will need a sales contract listing Delta Community as the lien holder, or if you are purchasing the auto from an individual or refinancing your own auto, we will need the 10-day payoff and front copy of the title. If the auto is paid off, then we will need a copy of the front and back of the clear title. Once your application is on file, you can fax this information to us at 404-677-4807 attn: Loan Department. Please allow up to 48 hours for processing this information. You will be contacted by phone or email when you loan is ready for funding.