Protection & Claims

Mechanical Breakdown Protection (MBP)

• Protects your vehicle and can save you money with expensive auto repairs.
• Offers roadside assistance for peace of mind. 
• Claim can be started by calling 1-800-808-0828

Your purchase of Mechanical Breakdown Protection (MBP) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for MBP. This information will include a copy of the MBP policy terms and conditions. Which will contain the terms and conditions of the MBP policy. There are eligibility requirements, conditions, and exclusions to the MBP program. You should carefully read your MBP policy for a full explanation of the benefits, rules, terms, and conditions of the program.

Guaranteed Asset Protection (GAP)

• Can cover up to the amount of your remaining auto loan balance should your vehicle be totaled out or stolen.
• Includes Auto Deductible Reimbursement (ADR) which can reimburse you up to $500 should you file a claim on your vehicle.
  • ADR claim can be filed by calling 1-877-296-4892

Your purchase of GAP is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for GAP. This information will include a copy of the GAP Waiver which will contain the terms and conditions of the GAP Advantage benefit. There are eligibility requirements, conditions, and exclusions, including a loan-to-value maximum that may cap the benefit you receive from GAP. You should carefully read your GAP Waiver for a full explanation of the benefits, rules, terms and conditions of the program.

Depreciation Protection Waiver (DPW)

• Protects your down payment up to $10,000 should your vehicle be totaled out or stolen.
• Includes Auto Deductible Reimbursement (ADR) which can reimburse you up to $500 should you file a claim on your vehicle.
  • ADR claim can be filed by calling 1-877-296-4892

Your purchase of Depreciation Protection (DPW) is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. We will give you additional information before you are required to pay for DPW. This information will include a copy of the DPW Waiver which will contain the terms and conditions of the DPW benefit. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits and are explained in the DPW Waiver. You should carefully read your DPW Waiver for a full explanation of the benefits, rules, terms and conditions of the program.

Life can be unpredictable. Debt Protection helps safeguard your loan payments or loan balance in the event of death, disability, or involuntary unemployment, helping protect your financial well being.
You decide which payments you want to protect and the monthly premium may be added to your loan.

Coverage is designed to fit your lifestyle, it is totally voluntary, it won’t affect your loan approval, and it’s simple to apply. You can sign up at your loan closing, or anytime you’d like.

Why Choose Debt Protection?

• You choose which payments you want to protect
• Monthly premiums can be added to your loan
• Coverage is voluntary and does not affect loan approval
• Simple to apply – at loan closing or anytime afterward
• Designed to fit your lifestyle and financial needs

Contact Us to Learn More

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply.
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
OMS#: DPM022 † MARKETING#: DP-2043103.1-0218-0320

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:

• Life
• Terminal Illness
• Accidental Dismemberment
• Hospitalization
• Family Medical Leave
• Loss of Life of a Dependent
• Disability
• Involuntary Unemployment

Complete Claims Form

You can also visit myclaim.cunamutual.com and select UnitedOne Credit Union from the dropdown list. 

*Please use Chrome, Firefox, Microsoft Edge or Safari to access the claims portal. Some older browsers may not work with the claims portal.

If you prefer, call 1-800-621-6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE® credit life and credit disability insurance underwritten by CMFG Life Insurance Company.