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

Benefit Eliminated on Consumer Credit Cards: February 1, 2021

Business Credit Cards are still eligible for this benefit.

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.

Who is responsible for applying for the title on my car loan?

If you purchased your vehicle through a dealer, the dealer should apply for the title with Delta Community listed as lien holder, unless you live in a different state than where you purchased the car; then you are responsible for the title application through your local Tag Office. Be sure to list Delta Community as lien holder.

If you live in Georgia and you purchased your vehicle from an individual, you are responsible for the title application through your local Tag Office. Be sure to list Delta Community as lien holder. Effective March 1, 2013, the State of Georgia assesses a Tag Ad Valorem Tax (TAVT) based on the fair market value of the vehicle you are purchasing when you file your title and apply for your tag. This will be assessed in lieu of your annual Ad Valorem fee usually paid when your tag is renewed annually. The State of Georgia requires this filing to occur within 30 days of the purchase of your vehicle. You may incur additional penalties from the State of Georgia for failure to meet this requirement. If you are refinancing from another institution or you are using your vehicle as collateral to secure a loan and you have the title, Delta Community will apply for the title on your behalf. You will need to provide to Delta Community proof of county residence if it differs from that listed on your driver's license. Proof can be in the form of a tax bill, electric bill or water bill.

If you live outside of Georgia (other than NY) and you purchased your vehicle from an individual or you are using your vehicle as collateral or refinancing from another institution, you are responsible for the title application. Take the title to your local Department of Motor Vehicles or tag office and apply for the title in your name and have Delta Community listed as lien holder. After completing this, fax a copy of your title receipt showing Delta Community as lien holder to 404-677-4809.

A list of State Lien Codes/service codes is available.

Please use the following information to have Delta Community registered as lien holder:

Delta Community Credit Union
PO Box 20541
Atlanta, GA 30320-2541

If I am purchasing vehicle from a private seller and the seller has a loan on the vehicle, but lives in a state where they have electronic titles, which documents does the credit union need?

In a state with electronic titles, the owner would go to the DMV/Tag Office and receive a print out or “gratis” listing all of the pertinent title info (owners, VIN, lien-holder, etc.) Of course the 10 day pay off letter would still be obtained from the finance company.

I am a member of Delta Community and would like to apply for a car loan and have my mother on the title with me. Is this okay?

Any family member who is eligible for membership (mother, father, etc.) can be on the title with you. The primary member is responsible for the loan; so the primary member's name must appear on the title too.

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.

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.