Member's Insurance Center, LLC - FAQs

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General MIC FAQs

Q. Who can apply for coverage through Members Insurance Center?

Q. Do we accept insurance payments at the service centers?

Q. Why are you asking for permission to run a credit score?

Q. What are the benefits of getting insurance coverage through the credit union?

Q. Where is MIC available?

Q. Can I insure everything with MIC?

Q. How come there is a claim on my prior records that I don’t recognize?

Q. What is an Umbrella policy?

Auto Insurance FAQs

Q. Why is Bodily Injury (BI) so important?

Q. What is Uninsured/Underinsured Motorist (UM) coverage?

Q. What is Personal Injury Protection (PIP) coverage exactly?

Q. Does Property Damage (PD) cover my car?

Q. If Property Damage doesn't cover my car, what does?

Q. What if I owe more on my loan than the actual cash value (ACV) of my vehicle?

Q. Why would I need Medical Payments?

Flood Insurance FAQs

Q. Why am I required to purchase Flood Insurance?

Q. Can I get a flood policy when the flood water is creeping up my driveway?

Q. What is an elevation certificate and how much will it cost?

Q. If a pipe bursts in my home, is that covered under my Flood Insurance?

Homeowner’s/Property Insurance FAQs

Q. Why can’t I purchase coverage in any amount I desire?

Q. What animals/pets are acceptable and why are animals/pets covered separately?

Q. If I’m buying a home, what are some of the characteristics that I should look for to help lower my insurance costs?