5 Point
CREDIT UNION
You belong here.
Visa Platinum Credit Card Terms and Conditions
Your Guide to Benefit describes the benefit in effect as of 4/1/17. Benefit information in this guide
replaces any prior benefit information You may have received. Please read and retain for Your
records. Your eligibility is determined by Your financial institution.
Roadside Dispatch R
Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with
security and convenience wherever your travels take you. No membership or pre-enrollment is required.
No annual dues. No limit on usage. For a set price per service call, the program provides:
Standard Towing - Up to 5 miles included1
Tire Changing - must have good, inflated spare
Jump Starting
Lockout Service (no key replacement)
Fuel Delivery - up to 5 gallons (plus the cost of fuel)
Standard Winching
Roadside Dispatch will ask you where you are, what the problem is, and while we remain on the phone
we will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in
an unsafe location - we will advise you to hang up and dial 911. If you are not able to dial 911, we will
call the non-emergency police number in your area, and will remain on the phone with you at your
request until the police arrive.) You have the convenience of one toll-free phone and you may save
money because our rates are pre-negotiated.
Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership
or pre-enrollment is required. Just call us toll free when you need us.
1-800-847-2869 - it's that easy!
Note: Current fee for a standard service call is $69.95. Customers must pay service provider for
mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated
for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road
only. Additional fees may apply for winching services under certain circumstances. Service call fees are
subject to change at any time; however callers will be notified of pricing prior to any service dispatch.
This program may be discontinued at any time without prior notice. Program void where prohibited.
1 Any vehicle with wheels is covered under the program as long as it can be classified as 'Light Duty'.
'Light Duty' vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs.
are considered 'Medium Duty' or 'Heavy Duty' and are NOT covered under this program.
1 Page
Additional Terms: Service providers supplying emergency roadside assistance and towing are
independent contractors and are solely liable for their services. Neither Visa nor 5Point Credit Union
shall have any responsibility or liability in connection with the rendering of the service. Emergency
roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off
road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability
of service may affect assistance responses. Expectations for dispatch are set with the customer on every
call, and an expected estimated time of arrival is provided to the customer regardless of their location;
however, neither Visa nor 5Point Credit Union provides any assurances as to the ability of the Service
Provider to meet such estimates. You are responsible for any roadside assistance or towing charges
incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is
gone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc
Auto Rental Collision Damage Waiver
No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen,
and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto
Rental Collision Damage Waiver. Auto Rental Collision Damage Waiver reimburses You for damages
caused by theft or collision -- up to the Actual Cash Value of most rented cars. Auto Rental Collision
Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your
rented vehicle, damage to any other driver's car or the injury of anyone or anything is not covered. Rental
periods of fifteen (15) consecutive days within Your country of residence, and thirty-one (31) consecutive
days outside it, are both covered. (Longer rental periods, however, are not covered.)
You are eligible for this benefit if Your name is embossed on an eligible card issued in the United States
and You use it to initiate and complete Your entire car rental transaction. Only You as the primary car
renter and any additional drivers permitted by the Rental Car Agreement are covered.
How Auto Rental Collision Damage Waiver works with other insurance
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and
substantiated by the auto rental company, administrative fees and reasonable and customary towing
charges, due to a covered theft or damage to the nearest qualified repair facility.
If You do have personal automobile insurance or other insurance that covers theft or damage, this benefit
reimburses You for the deductible portion of Your car insurance or other insurance, along with any
unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as
well as reasonable towing charges while the car was Your responsibility.
If You do not have personal automobile insurance or any other insurance, the benefit reimburses You for
covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as
well as reasonable towing charges that occur while You are responsible for the vehicle.
If You are renting outside of Your country of residence, the coverage provided under this benefit is
primary and reimburses You for covered theft, damage, or administrative and loss-of-use charges
imposed by the rental company, as well as reasonable towing charges that occur while You are
responsible for the vehicle.
How to use Auto Rental Collision Damage Waiver
2 Page
1. Use Your card to initiate and complete Your entire car rental transaction.
2.
Review the auto rental agreement and decline the rental company's collision damage waiver
(CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your
benefit. If the rental company insists that You purchase their insurance or collision damage
waiver, call the Benefit Administrator for assistance at 1-800-348-8472. Outside the United
States, call collect at 1-804-673-1164.
Before You leave the lot, be sure to check the car for any prior damage.
This benefit is in effect during the time the rental car is in Your (or an authorized driver's) control, and it
terminates when the rental company reassumes control of their vehicle.
This benefit is available in the United States and most foreign countries (with the exception of Israel,
Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where
precluded by law, or where it's in violation of the territory terms of the auto rental agreement, or when
prohibited by individual merchants. Because regulations vary outside the United States, check with
Your auto rental company and the Benefit Administrator before You travel, to be sure that Auto
Rental Collision Damage Waiver will apply.
Vehicles not covered
Certain vehicles are not covered by this benefit, they consist of: expensive, exotic, and antique cars; cargo
vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes;
limousines; and recreational vehicles.
Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari,
Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However,
selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range
Rover are covered.
An antique car is defined as one that is over twenty (20) years old, or one that has not been
manufactured for ten (10) years or more.
Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9)
people, including the driver) are covered.
If You have questions about a specific vehicle's coverage or organization where the vehicle is being
reserved, call the Benefit Administrator at 1-800-348-8472, or call collect outside the United States
at 1-804-673-1164.
Related instances & losses not covered
Any obligation You assume under any agreement (other than the deductible on Your personal
auto policy)
Any violation of the auto rental agreement or this benefit
Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
Loss or theft of personal belongings
Personal liability
Expenses assumed, waived, or paid by the auto rental company, or its insurer
The cost of any insurance, or collision damage waiver, offered by or purchased through the auto
rental company
3 Page
Depreciation of the Rental Vehicle caused by the incident including, but not limited to,
"diminished value"
Expenses reimbursable by Your insurer, employer, or employer's insurance
Theft or damage due to intentional acts, or due to the driver(s) being under the influence of
alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
Wear and tear, gradual deterioration, or mechanical breakdown
Items not installed by the original manufacturer
Damage due to off-road operation of the Rental Vehicle
Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion,
insurrection, or terrorist activities)
Confiscation by authorities
Vehicles that do not meet the definition of covered vehicles
Rental periods that either exceed, or are intended to exceed, fifteen (15) consecutive days, within
Your country of residence, or thirty-one (31) days outside Your country of residence
Leases and mini leases
Theft or damage as a result of the authorized driver's and/or cardholder's lack of reasonable care
in protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving
the car running and unattended)
Theft or damage reported more than forty-five (45) days* after the date of the incident
Theft or damage for which a claim form has not been received within ninety (90) days* from the
date of the incident
Theft or damage for which all required documentation has not been received within three
hundred and sixty-five (365) days after the date of the incident
Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of
Ireland, or Northern Ireland
*Not applicable to residents in certain states
Filing a claim
It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage
or theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit
Administrator at 1-800-348-8472 to report the incident, regardless of whether Your liability has been
established. Outside the United States, call collect at 1-804-673-1164.
You should report the theft or damage as soon as possible but no later than forty-five (45) days from
the date of the incident.
The Benefit Administrator reserves the right to deny any claim containing charges that would not have
been included, if notification occurred before the expenses were incurred. Thus, it's in Your best interest
to notify the Benefit Administrator immediately after an incident. Reporting to any other person will not
fulfill this obligation.
What You must submit to file a claim
At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company
for the following documents:
A copy of the accident report form
A copy of the initial and final auto rental agreements (front and back)
4 Page
A copy of the repair estimate and itemized repair bill
Two (2) photographs of the damaged vehicle, if available
A police report, if obtainable
A copy of the demand letter which indicates the costs You are responsible for and any amounts
that have been paid toward the claim
Submit all of the above documents from the rental company, along with the following documents, to the
Benefit Administrator:
The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This
must be postmarked within ninety (90) days* of the theft or damage date, even if all other
required documentation is not yet available - or Your claim may be denied).
A copy of Your monthly billing statement (showing the last 4 digits of the Account number)
demonstrating that the entire rental transaction was made on Your eligible Account.
A statement from Your insurance carrier (and/or Your employer or employer's insurance carrier,
if applicable), or other reimbursement showing the costs for which You are responsible, and any
amounts that have been paid toward the claim. Or, if You have no applicable insurance or
reimbursement, a statement of no insurance or reimbursement is required.
A copy of Your primary insurance policy's Declarations Page (if applicable) to confirm Your
deductible (This means the document(s) in Your insurance policy that lists names, coverages,
limits, effective dates, and deductibles).
Any other documentation required by the Benefit Administrator to substantiate the claim.
Finally, please note that all remaining documents must be postmarked within three hundred and sixty-
five (365) days* of the theft or damage date or Your claim may be denied.
*Not applicable to residents of certain states.
For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit
www.eclaimsline.com
Finalizing Your claim
Your claim will typically be finalized within 15 (fifteen) days, after the Benefit Administrator has received
all the documentation needed to substantiate Your claim.
Transference of claims
Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or
damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to
You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all
rights and remedies.
Definitions
Account means Your credit or debit card Accounts.
5 Page
Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market
value, age and condition at the time of loss.
Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.
Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental
Vehicle from a rental car agency which describes in full all of the terms and conditions of the rental, as
well as the responsibilities of all parties under the contract.
Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating
organization's disclosure statement which the eligible renter has rented for the period of time shown on
the Rental Car Agreement and does not have a manufacturer's suggested retail price exceeding the
amount shown on the participating organization's disclosure statement
You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car
transaction.
Additional provisions for Auto Rental Collision Damage Waiver
Signed or pinned transactions are covered as long as You use Your eligible Account to secure the
transaction.
You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This
provision will not be unreasonably applied to avoid claims.
If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist
for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations
regarding claims will be accurate and complete. Any and all relevant provisions shall be void in
any case of fraud, intentional concealment, or misrepresentation of material fact.
No legal action for a claim may be brought against the Provider until sixty (60) days after the
Provider receives Proof of Loss. No legal action against the Provider may be brought more than
two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought
against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
This benefit is provided to eligible cardholders at no additional cost. The terms and conditions
contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications
to the terms and conditions may be provided via additional Guide to Benefits mailings, statement
inserts, statement messages or electronic notification. The benefits described in this Guide to
Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
Termination dates may vary by financial institutions. Your financial institution can cancel or non-
renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in
advance. Indemnity Insurance Company of North America ("Provider") is the underwriter of these
benefits and is solely responsible for its administration and claims. The Benefit Administrator
provides services on behalf of the Provider.
After the Benefit Administrator has paid Your claim, all Your rights and remedies against any
party in respect of this claim will be transferred to the Benefit Administrator to the extent of the
payment made to You. You must give the Benefit Administrator all assistance as may reasonably
be required to secure all rights and remedies.
This benefit does not apply to the extent that trade or economic sanctions or other laws or
regulations prohibit the provision of insurance, including, but not limited to, the payment of
claims.
6 Page
For more information about the benefit described in this guide, call the Benefit Administrator at 1-
800-348-8472, or call collect outside the U.S. at 1-804-673-1164.
FORM #ARCDW - 2017 (Stand 04/17)
ARCDW-O
7 Page