Skip to main content

Apply Now

If you are currently a Metro member, please select “Current Member Application” and log into our online banking platform.

If you are a non-member, please select “New Member Application” to apply.

Forgot UserName Forgot Password Register Now
Apply Now

Insurance Claims

Damage to your home or vehicle can be stressful. We're here to assist you with insurance claims related to collateral used to secure a Metro Credit Union loan.  

Processing insurance checks for loss or damage to collateral that was used to secure a loan can be subject to specific requirements. In many cases, the proceeds of the check will need to be used to repair the collateral.

To determine the disposition of an insurance check involving collateral used to secure a loan, please gather the required information listed below and submit it to Metro Credit Union for processing.

Metro Credit Union Insurance Claim Process

If you have received an insurance check for damage to a vehicle or property that serves as collateral on your Metro Credit Union loan, the funds must be processed correctly to ensure compliance with loan terms. Metro Credit Union follows a structured review process:

  1. Collect the required documentation (see the list below).
  2. Submit your documents and insurance check to Metro Credit Union for processing.
  3. Our team reviews submissions within five business days to determine how the funds should be applied.
  4. Once approved, the insurance check is endorsed or applied based on the collateral type and loan terms.

This process ensures that insurance proceeds are used properly to protect both your investment and loan agreement.

Required Insurance Claim Documentation

Items needed:

  • Notice of Insurance Claim for Collateral
  • The insurance check (endorsement instructions below).
  • Copy of insurance company adjuster report/estimate.
  • Copy of any bids or estimates for repair of collateral (if available).

Initial review can take up to 5 business days. Incomplete information will result in delays.

Endorsement Instructions: Individual payee borrower(s) should endorse the check if it is for a(n):

  1. Automobile loss claim payable to borrower(s) and Metro.
  2. Real estate loss claim payable only to borrower(s) and Metro.
  3. Real Estate loss claim payable to borrower(s), another lender, and Metro, and the other lender has already endorsed the check, and borrower wishes proceeds to be administered by or deposited at Metro.

Individual payee borrower(s) should not endorse the check if it is for a:

  1. Real estate loss claim and you want Metro to endorse the check and return it to you.
  2. Real estate loss claim payable to borrower(s), Metro, and another lender, and that the lender holds first security position on the collateral.

Please complete, print and sign the Notice of Insurance Claim for Collateral and return it with above referenced documents and check to: 

Metro Credit Union
Attn: Insurance Claims
14509 F Street
Omaha, NE 68137

For questions about an insurance check already submitted, please email Insurance Claims.

  • I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.
    Jessica A.
  • I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!
    Ann T.
  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.
  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
    K.W.
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

Our Recent Blogs

  • Tips for First-Time Homebuyers

    Buying your first home is a big decision. This blog is your comprehensive guide to break down the mortgage process into smaller, more manageable steps.
    Read Article about Tips for First-Time Homebuyers

  • FINANCIAL TIPS FOR NEW COLLEGE GRADUATES

    Graduating from college is an exciting milestone that also comes with new financial responsibilities. We've got 10 tips to help you manage your finances after graduation.
    Read Article about FINANCIAL TIPS FOR NEW COLLEGE GRADUATES

  • Teaching Kids About Money Management

    Teaching kids about money management is crucial. Parents can start early by using real currency, setting savings goals, and leading by example.
    Read Article about Teaching Kids About Money Management

Certificates

earn up to 4.35% APY

Learn More

Auto Loans

as low as 4.99% APR
for up to 60 months.

Learn More
Routing: 304083396 | 800-301-8549

Español English | Routing: 304083396

800-301-8549