Almost everyone wants to save cash on insurance premiums. Fortunately, Clearcover car insurance allows them to do it for a third of standard insurance costs.
Clearcover is an AI-driven insurance company based in Chicago, emphasizing reasonable charges and quick claims filing. It was founded in 2016 by Derek Brigham and Kyle Nakatsuji.
Its car insurance is excellent for techy drivers looking for low prices and speedy service without much hassle. Clearcover’s policies are now sold in some states, backed by Lyndon Southern and Response Indemnity Company, which are Fortegra companies.
Read further to know more about Clearcover car insurance. You can also check this video for a visual presentation:
Clearcover Quick Points
Offered Regions
- Wisconsin
- Utah
- Texas
- Pennsylvania
- Oklahoma
- Ohio
- Nebraska
- Missouri
- Louisiana
- Indiana
- Illinois
- California
- Arizona
Specialty coverages (Rideshare coverage)
Clearcover is now only offered in 13 states, without any agents. For the most part, customers must utilize the mobile app and website.
However, they can also call the company number if they need to talk with a customer service specialist.
Clearcover Complaints and Satisfactions
Clearcover has not yet been assessed or reviewed by respectable third parties since it’s still very young. Customers’ online reviews range from good to neutral to negative, based on their personal experience with the supplier.
The majority of consumers seem to be pleased with the affordable costs and digital accessibility. However, there are also unhappy comments about the difficulties in contacting customer service and ineffective communication when filing claims.
Also, the NAIC recorded complaints lower than usual for Clearcover. Above all, as an up-and-coming firm, it also has fewer clients than popular insurance companies.
Although there aren’t many reviews for Clearcover, AM Best (the nation’s largest credit-rating firm) gave Fortegra an outstanding rating along with its holdings.
This demonstrates that Clearcover is financially stable and capable of paying claims despite being a new provider. On the other hand, they outsourced claims handling to Littleton Group. This means you won’t directly be dealing with Clearcover.
Why Choose Clearcover Insurance?
- Service: Clearcover pays claims in less than three days on average.
- Convenience: Use their award-winning mobile app to submit a claim, get roadside help, and pay your bills.
- Transparency: Professional insurance agents can assist you in ensuring that you never pay more than is necessary.
Clearcover Reviews
Customers usually give Clearcover moderate to good reviews. People prefer Clearcover’s inexpensive costs and easy-to-use software, according to Clearsurance (a recognized insurance rating website unrelated to Clearcover).
Clearcover has an A+ rating from the Better Business Bureau, indicating that the company’s business complaint responses and practices are favorable.
But, some consumers on Trustpilot, a review site, question Clearcover’s usage of a third-party claims adjuster. They also mention that they couldn’t reach the firm by phone.
Employees adore the organization, as evidenced by their glowing evaluations on Glassdoor. They were also named to Inc. Magazine’s annual Best Workplaces for 2020 list.
Clearcover Auto Insurance Coverages
Although Clearcover is a newcomer to the insurance sector, it provides all of the essential coverages to safeguard your vehicle:
Comprehensive Coverage
Another name for comprehensive coverage is “other than collision” coverage. It protects your automobile from damage caused by anything other than an accident with another object or vehicle.
Comprehensive coverage would help you pay for repairs if your car was damaged by hail, flood, fire, vandalism, or theft.
Medical Payments Coverage
If you’re in an accident, this coverage type can help you pay for medical expenditures for your passengers and yourself. Regardless of whether you were at fault in the collision, you are covered.
Liability Coverage
Liability insurance safeguards you if you are legally liable for harm to another person’s property. This coverage is required in all states except New Hampshire.
And it only provides coverage for damage repairs and medical costs for those you unintentionally harmed, not your own.
Uninsured/Underinsured Motorist Coverage
This form of accident aids you in paying for medical expenditures and car repairs incurred as a consequence of accidents. This mostly happens when the at-fault party’s insurance was either non-existent or insufficient to cover all the expenses.
Suppose you happen to experience a hit-and-run accident. In that case, this coverage typically includes your car damages as well as your medical expenditures.
Collision Coverage
This insurance type covers you if your car collides with another vehicle or object. Suppose you struck a tree or another person’s automobile.
In that case, Clearcover could help you pay for repairs or replace your car if it’s completely damaged.
Other Special Auto Coverages
Roadside Assistance
Nothing is more frustrating than getting stranded in the middle of nowhere with no one to contact. Having roadside assistance coverage by Clearcover will provide you with extra benefits.
They will send someone to assist you if you lock your keys in your car, have a dead battery, get a flat tire, or are out of petrol. Clearcover will have your vehicle towed to the nearest certified service provider if your car suffers an electrical or mechanical breakdown.
Additionally, Clearcover will only cover $50 of your charges if you select a repair shop that the company hasn’t approved.
Alternate Transportation
Most insurance carriers will give rental car coverage if your automobile incurs damage in a collision. This allows you to hire a car while your vehicle is getting repairs.
Rather than providing coverage for a rental vehicle, you can Alternate Transportation coverage. This means Clearcover will pay you $30 per day until a month for transportation while you don’t have your car.
You can choose to utilize that money for temporarily hiring a car, public transportation, ridesharing, and carpooling.
Clearcover Insurance Premium Length
Clearcover now only provides a premium period for six months. You may use your credit or debit card and your bank account to make payments using the mobile app.
If you choose auto-pay, your insurance will automatically renew after six months. Customers have yet to complain about sudden premium spikes.
However, since Clearcover does not provide an accident forgiveness program, you will have a premium increase after a traffic violation, collision every time you submit a claim.
According to the website, transferring from another insurance provider to Clearcover is simple and hassle-free. Customers can transfer at any moment, even if their existing insurer’s term hasn’t expired.
Switching to a different business from Clearcover before your policy terminates would almost certainly result in a cancellation charge.
Clearcover Digital Experience
Clearcover, being a forward-thinking corporation, expects users to use the mobile app for the majority of their needs. The app has hundreds of reviews on Google Play Store and the App Store, with an average rating of 4.7 in both. You may use the app to:
- View your policy details.
- Make a roadside assistance request.
- Make a payment or change your payment method.
- Get in touch with representatives.
- Examine your insurance documentation.
- Make a claim.
Despite having a toll-free hotline for making claims, unlike the app, it is not available 24/7. Claims are paid out in minutes, according to Clearcover, with the current record being thirteen minutes.
The website of Clearcover primarily allows you to take a quote and understand more about the services they provide.
The Claims Process at Clearcover
Being involved in a collision is aggravating enough, but coping with the aftermath is far worse. First and foremost, ensure that everyone is safe, and contact 911 if anyone requires medical assistance.
Claim Filing
After ensuring that all the wounded have received medical assistance, you may register a claim with Clearcover by accessing the app and selecting “Claims.”
Remember to photograph all of the damaged vehicles.
You may submit a claim using the app at any time, seven days per week. Within 24 hours, a claims representative will contact you to talk more about the claim and discuss the process more with you.
Determining Eligibility for Coverage and Assessing Losses
Clearcover must first assess if your insurance coverage provides compensation for the accident. This may depend on whether you have medical payments, uninsured motorist, comprehensive, or collision coverage.
However, the circumstances of the accident also play a part. After then, a claims adjuster should come to your house to inspect the damages on your vehicle.
They will contact you within a few days to estimate the cost of repairing your car.
Payment and repair
Clearcover will either make a bank account transfer or send a check after providing an estimate for the car repair cost. After that, you can take your automobile to whatever repair shop you like.
If the repair business discovers further damage, it can submit a supplement using Snapsheet, an estimating partner of Clearcover. In your estimate, the company will give instructions on how to file for a supplement.
Final Thoughts
Clearcover vehicle insurance may be worth considering if you like rapid, automated services. It is ideal for those who admire little to no human involvement and live among the thirteen states it provides services to.
However, because Clearcover is still relatively young and has yet to earn long-term trust, it is advisable to evaluate as many providers as possible. It will help you determine whether it is the best fit for you.
Before deciding on a purchase, make sure to examine customer service evaluations, coverages, quotes, and reviews from many organizations.
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