What to do when a Bridgecrest account holder dies
Report the death to Bridgecrest Customer Service at 1-800-967-8526
Bridgecrest balances do not pass to anyone at death — they are settled. The executor reports the death to Bridgecrest Customer Service (1-800-967-8526), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Bridgecrest.
Death claim process
To file a claim after an account holder's death, here is what Bridgecrest requires:
Filing a claim
- Bridgecrest says "it can take time to process your account payoff and title release." Call Bridgecrest Customer Service at 1-800-967-8526 for an update on the title release
Required Documents
- Legal documents regarding the account holder's death, from the person authorized to act as the representative or executor of the estateFaxed to Bridgecrest Customer Service at 866-895-3504 to begin the debt assumption process.
- Legal documents regarding the appointment of authorized parties, from the person authorized to act as the representative or executor of the estateFaxed with the death documents to Bridgecrest Customer Service at 866-895-3504.
What happens to each kind of account1
- Loan
A surviving co-signer, co-borrower or co-buyer on the account is "obligated to meet the terms of the contract and will be solely responsible for the account and contract obligations."1
Bridgecrest says it "is unable to release one or both parties from the account as both people are liable for the debt."2
Once the final payment pays off the account, the lien is released and the title is sent to the address on file with Bridgecrest.3
The account accrues simple interest daily, and the contract has a "No Grace Period" clause: a payment not made on time owes additional interest, and possibly late fees.4
What Bridgecrest provides to the estate1
- Payoff statement
A payoff quote shows after logging in to the account: the current remaining balance plus any applicable interest and fees. A 10-day payoff adds 10 days' worth of interest charges, giving time to submit payment in full.4
What Bridgecrest's agreement and guidance say1
- Fees
Bridgecrest "may assess a late fee of up to $10.00 for any payments that are not paid within 15 days of the due date."4
Not in Bridgecrest's published guidance5
- How long a claim takes
- A claim form
- Whether the death certificate must be certified
- A mailing address for claim documents
- Which court appointment document it accepts
Sources4
Bridgecrest Customer Service can be reached by phone at 1-800-967-8526 and fax at 1-866-895-3504 for questions throughout the claims process.
Sources
Data sourced from Bridgecrest primary sources (12 pages reviewed). How we research.
Bridgecrest death claims support
Bridgecrest Customer Service
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