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How to file a claim

How to file a Debt Protection claim:

To initiate a Debt Protection claim, start by contacting 3Rivers at 800.825.3641. We’ll file the claim with Minnesota Life Insurance Company (“Minnesota Life”) on your behalf. They’ll assign you with a claim number and send claim documents, which need to be completed and returned to Minnesota Life using the instructions they enclose.

For each event, you’ll need to do the following:

  • For death claims, you’ll need to provide a copy of the death certificate.
  • For disability claims, you’ll receive a claim form to be completed by you and your physician. You must be deemed unable to work for 14 or more days by a licensed health care provider.
  • For involuntary unemployment claims, you’ll receive a claim form to be completed by you and your employer. You’ll also need to provide proof of your receipt of unemployment benefits and be involuntarily unemployed for a minimum of 30 days. Involuntary unemployment claims are not eligible during the first 90 days of the loan.

Upon receipt of completed claim documents, Minnesota Life will review your claim for benefits and notify you within 10 business days letting you know whether your claim is approved, denied, or if they need more information to proceed.

For disability and involuntary unemployment claims, you’ll be asked to complete continuation claim forms on a monthly basis to support your ongoing disability or unemployment. If your disability is expected to continue for a period of time, your doctor should indicate an estimated duration on the claim form. This may allow Minnesota Life to issue benefits without a monthly claim form.

You should continue to make payments on your loan until a claim decision is completed and communicated. If the claim event results in continuing benefits, claim forms should be completed and returned when requested to prevent further delay in issuing benefits.

For additional information regarding your coverage, please refer to your Debt Protection Agreement included in your loan documentation.

 

How to file a Mechanical Breakdown Protection (MBP) claim:

3Rivers partners with Route 66 for Mechanical Breakdown Protection (MBP). To file an MBP claim, contact or have a representative of your chosen repair facility contact the Route 66 Administrator before ANY work is performed by calling the Route 66 Claims Department at 800.808.0828 or by emailing the administrator at claims@route66warranty.com

The following information will be required before authorization for repairs is granted:

  1. Agreement number
  2. Agreement holder's name
  3. Current vehicle mileage
  4. Mechanical complaint
  5. Itemized estimate

For Emergency Road Service Call: 888-207-0166. Services limited to one service call per seven (7) day period.

  • Flat tire
  • “Jump” starting
  • Fuel delivery
  • Vehicle entry due to lockout
  • Towing – if necessary, your vehicle will be towed to the nearest repair facility. Upon arrival, instruct the mechanic to call the Claims Department at 800.808.0828 before any work is performed.

IMPORTANT: Under this Service Agreement, you’re required to authorize the repair facility to disassemble the component(s) for inspection before repair or replacement. You’ll be required to pay for the cost of disassembling if the mechanical breakdown is not covered by this Service Agreement. Upon diagnosis and determination of covered items, and subject to the terms and conditions of this Agreement, the Administrator will issue an Authorization Number.

In addition, the authorization number MUST appear on all repair bills.  Failure to obtain authorization PRIOR TO REPAIRS will result in non-payment of claims. 

For additional information regarding your coverage, please refer to your warranty documentation.

How to file a Guaranteed Asset Protection (GAP) claim:

Guaranteed Asset Protection (GAP) claims are filed by the Total Loss Department at 3Rivers once your primary insurance claim settlement is received.

Please contact our Total Loss Department with any questions regarding your claim at tel:260.490.8328 ext. 3665 or via email at totalloss@trfcu.org.

Collateral must be deemed a total loss by the insurance company in order to file a GAP Claim. The 3Rivers Loan Servicing Department will provide all of the required documents to the GAP provider once the primary insurance settlement proceeds have been received.

Please contact our Total Loss Department with any questions regarding your claim at 260.490.8328 ext. 3665 or via email at totalloss@trfcu.org. For additional information regarding your coverage, please refer to your GAP documentation.

GAP is filed by the Total Loss Team at 3Rivers once the primary insurance claim settlement is received. Please contact the Total Loss Department with any questions regarding your claim at 260.490.8328  ext. 3665  or via email at totalloss@trfcu.org.

Collateral must be deemed a total loss by the insurance company in order to file a GAP Claim.

Loan Servicing will provide all of the required documents to the GAP provider once the primary insurance settlement proceeds have been received. 

For additional information regarding your coverage, please refer to your GAP documentation.

 

How to file a Depreciation Protection (DPW) claim:

Depreciation Protection (DPW) claims are filed by the Total Loss Department at 3Rivers once your primary insurance has deemed the vehicle a total loss. This confirmation must be received within 30 days of date of loss.

Contact our Total Loss Department with any questions regarding your claim at 260.490.8328 ext.3665 or via email at totalloss@trfcu.org.

Collateral must be deemed a total loss by your insurance company in order to file a DPW Claim. The 3Rivers Loan Servicing Department will provide all of the required documents to the DPW provider once notification of a total loss is received.

For additional information regarding your coverage, please refer to your DPW documentation.

How to file an Auto Deductible Reimbursement (ADR) claim:

3Rivers partners with Assurance Plus for Auto Deductible Reimbursement (ADR). To file an ADR claim, contact the Assurance Plus Claims Administrator at 877.296.4892 or visit assuranceplus.com/claims to request a claim form.

Notice of the loss must be provided to the Claims Administrator within 90 days of the date of loss, but in no event later than one (1) year from date of loss.

To process a claim, the Claims Administrator must be sent a completed and signed claim form, along with required documentation (listed below), within 180 days of the date of loss, but in no event later than one (1) year from date of loss. “Loss” refers to an accidental physical loss or damage to the covered vehicle for which a deductible has been paid as part of an insurance claim.

Documents required for an ADR Claim:

  • A copy of the Automobile Insurance Policy Declarations page in effect on the date of loss.
  • A copy of the covered auto title, registration or loan/lease documents (if applicable) in effect on the date of loss.
  • A copy of the estimate of repairs or the total loss statement.
  • A copy of the claim payment check and/or settlement letter from your auto insurance company showing the amount that was paid and that the deductible was satisfied.
  • A copy of the check, credit card charge, debit card charge or cash receipt showing the deductible was paid.
  • Any other information that may reasonably be requested in order to process your claim.

How to file an Vehicle Protection Plan (VPP) claim:

All Vehicle Protection Plan (VPP) claims, except Roadside Assistance, require pre-authorization before any work is performed.

3Rivers partners with Nation Safe Drivers for Vehicle Protection Plan (VPP) coverage. Nation Safe Drivers reserves the right to deny any claim submitted without pre-authorization.

For all benefits except Roadside Assistance, call the Nation Safe Drivers Claims Center at 888.684.9327. For Roadside Assistance, call 866.330.0760. The Claims Center is available Monday-Friday 9AM-5PM EST.

Claims Center

Last updated: 10/18/2021
Claim Type Claims Center Hours Process after receiving pre-authorization
(refer to contract for additional details)
Key/Remote Replacement (press 1) Monday – Friday 9 a.m. – 8 p.m. EST After receiving pre-authorization, you may go to any appropriate franchise dealer for service. You will be responsible for paying for the repair/replacement and will be reimbursed up to $800.
Paintless Dent Repair (press 2) Monday – Friday 9 a.m. – 5 p.m. EST After receiving pre-authorization, an appointment will be scheduled for a technician to inspect the ding or dent to determine if the damage can be repaired prior to work being performed.
Tire & Wheel Road Hazard Protection (press 1) Monday – Friday 9 a.m. – 8 p.m. EST After receiving pre-authorization, the Claims Center rep will provide instructions depending on the specific repair or replacement needs. You will be reimbursed for the reasonable costs you incur for repair/replacement.
Windshield Repair Protection (press 2) Monday – Friday 9 a.m. – 5 p.m. EST After receiving pre-authorization, a repair service will be dispatched to your location or you may choose to have the repair done at a facility of your choice and will be reimbursed up to $60.
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