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Choosing a smarter insurance company means getting better prices without having to sacrifice quality or convenience. Clearcover offers drivers better coverage for less money by operating our business more efficiently than big insurance companies. That means our customers can get more coverage and pay less each month. Clearcover’s mobile app makes it easy to access your ID cards, make a payment, or file a claim, right from your phone. That’s why Clearcover is a smarter choice for car insurance.
Why Clearcover?
Hi, I’m Matt Christopher, Director of Claims with Clearcover. I want to tell you today about the great coverage that Clearcover has to offer. We may be a new company; however, our team has deep insurance industry experience. In building a smarter insurance company, we wanted to make improvements to existing coverages that might be a little outdated for today’s drivers. For example, we offer Alternate Transportation Coverage in place of traditional rental. Instead of forcing you to rent a vehicle while your vehicle is being repaired, we give you cash. There’s so many other ways to get around these days. You chose the way that works best for you. With the rise of Uber, Lyft, and other transportation network companies, we offer a ridesharing endorsement that helps fill gaps in coverage associated with those services. Of course we offer much of the traditional coverage that is still relevant today such as roadside assistance, Med Pay, glass protection, and much more. You’ll find that Clearcover offers the same, or better coverage than most of the big insurance companies for much less money. Thank you very much for considering Clearcover.
Is your coverage as good as the Big Insurance companies?
Hello, my name is Derek Brigham. I’m the co-founder and Chief Operating Officer of Clearcover,and I’m here today to answer a question that some customers might have around the stability of the company and whether we will be around to pay claims, answer questions regarding the policy, and other service items that our customers might have. So first of all, I’d like to answer the question regarding claims. We’ve partnered with two highly rated insurance carriers, Response Indemnity Company of California and Linden Southern Insurance Company. Both companies are owned by Fortegra Financial Corporation, and both companies are rated A-, or excellent by AM Best, the leading rating agency for insurance companies’ financial strength and stability. Second of all, our team has extensive experience in the insurance industry. Most of us have come from large carriers such as American Family, Allstate, and Farmers, in areas such as actuarial, underwriting, claims, and customer service. Our experience combined with our partners’ experience will assure you that we will be there when you need questions answered regarding your policy or when you need your claim paid.
How do I know you’ll be around if I need to file a claim?
Hi, I’m Kristin Jacobsen, a Customer Advocate with Clearcover. At Clearcover, we understand that auto insurance can be confusing. If you have questions about coverage options, we’ll work with you to create a plan to protect your family and your vehicle. We want to make sure you have a full understanding of the coverage you are buying. After you become a Clearcover customer, we’ll be there to answer questions and help you make changes to your policy along the way. If something unfortunate were to happen and you need to file a claim, we’ll help you through the process. We understand how traumatic an auto accident can be. We’re here to listen and update you on the status of your claim. We will ensure the process goes as smoothly as possible to get you back to where you belong. Thank you for considering Clearcover, and I look forward to assisting you in the future.
What does a Customer Advocate do?

There’s a big problem in car insurance - almost every insurance company spends way too much money on things that customers don’t need. Then they overcharge their customers to cover all those expenses. That didn’t work for us, so we fixed things.

We use advanced technology to deliver fast, easy customer experiences and eliminate the cost of old, expensive systems. We also only focus on moments when insurance actually matters, so we can provide great insurance without spending billions on Super Bowl ads, celebrity endorsements, or old-school sales tactics. And the money we save gets passed on to you, so you get great car insurance for a lot less money.

Traditional insurance companies waste billions of dollars every year maintaining outdated, manual processes and buying your attention with expensive marketing campaigns. And they do all of this with your money. So, we built a new insurance company that uses technology to be more efficient and focuses on moments when insurance actually matters. That way, you only pay for what you need - the right coverage, at the right price, when it really matters.

At it’s core, most insurance products are pretty similar. There can be slight differences in terms of what’s covered or when the coverage starts or when it ends or how much coverage you get. But for all intents and purposes, the car insurance you buy from company x is going to be pretty much the same as the car insurance you buy from company y. That means that the key differences in pricing between companies have to do with things like, how much that company spends on marketing, and computers, and people to fill up their office. Oftentimes, I think what you’ll find is people believe that the differences in price that they’re seeing from these products are the result of getting a different product or maybe how the product understands them as a risk. But for the most part, most of the differences you’ll find have to do with that insurance company’s operating costs - how expensive it is for them to keep the doors open.

No. On average, most insurance companies look at risk in similar ways, so the pricing differences you see between companies often has less to do with the risk to insure you and more to do with how much each company spends on marketing, IT, and people to fill up their office. And since we spend less on those things, many of our customers get the same, or better, coverage for less money.

Yes, and in many ways, it’s better. In addition to offering all of the traditional coverages you need, we also built new coverages that make more sense for today’s drivers.

For example, we offer Alternate Transportation Coverage in place of traditional Rental coverage. So instead of forcing you to rent a car while your vehicle is being repaired, we give you cash and let you decide how to get around. We also offer affordable coverage for ridesharing drivers that helps fill important coverage gaps. Finally, we built in lower rates for vehicles with advanced safety or self-driving features.

Hi, I’m Nick and I lead Growth at Clearcover. I’d like to share a little bit about how we market our products at Clearcover. We started by simply talking to customers, and understanding their needs and preferences around buying car insurance. And what we heard, non-surprisingly, is that customers what the right coverage, at the lowest cost possible. But what we also heard, is that people don’t want to be sold insurance when they’re not thinking about it. So we created a company, and a promise, that we would deliver the right coverage, at the lowest cost possible, but we would do so in moments that actually make sense. In other words, we’ll be there when you’re thinking about insurance, and we’ll leave you alone when you’re not. Instead of spending millions dollars of year on advertising, and following you around on Facebook, we partner with the types of places where conversations around car insurance actually make sense. The best part about our model, is that the money we save not advertising, we pass along to you. That’s how Clearcover can offer the same coverage as big insurance companies, but at significantly lower prices.

At Clearcover, “moments that matter” means two things.

One, we’ll be there when you need us, like when you’ve been in an accident or have questions about your coverage. We offer modern tools in our mobile app and personal assistance through our team of Customer Advocates to make sure your insurance experiences are simple and transparent.

Two, we won’t bother you during moments when you don’t need us. We understand you have more exciting things to think about than insurance, so we’ll only talk to you about it when it’s actually relevant - like when you’re buying a car, shopping for better rates, or researching ways to improve your finances.

By choosing not to spend your hard earned money where insurance isn’t important - like on billboards, celebrities, and Super Bowl commercials - we save money. Then we pass that savings on to you, so that you get great coverage at lower prices.

Yes! We live in a mobile world, and we think that dealing with car insurance shouldn’t be any different. You can download our app at the App Store or via Google Play.

The short answer is we use advanced technology to help you get better insurance, faster, and for less money. Then, once you’re a customer, we support you with a user experience designed for the needs of modern drivers.

Our industry-leading mobile app lets you file claims directly from your phone so you can get paid faster. Features like our Quick View ID Card ensure your policy information is always at your fingertips - even if your phone doesn’t have service.

Lastly, we know that if you’re interacting with your insurance company, it’s likely because something bad has happened - like an accident. So we’re constantly working to refine our claims experience to make sure that when you do need us, it’ll be as painless as possible.

We use artificial intelligence at Clearcover to take in more data than a human can typically process, and use it to make smarter decisions about what people really need. So let me give you an example. A typical agent can probably process, you know, 5-10 pieces of complex information about a risk in any given time. Beyond that, you start to run beyond the human capacity to understand how these things play into each other. What our technology does, is it allows the computer to take in hundreds, or in the case of our training processes, millions of data points, to make that same decision. And it stands to reason, that if you can use a million data points to make a decision, versus five or ten, you’re likely to end up making a better decision at the end of the day.

We use artificial intelligence to make smarter decisions. An example of this is SmartCover™, our AI-based coverage recommendation tool. We trained SmartCover™ using millions of insurance data points to create an algorithm that helps you select your coverages and limits, making finding the right insurance through Clearcover quick and easy.

Clearcover has partnered with a highly rated insurance carrier, Response Indemnity Company of California. This carrier is owned by Fortegra Financial Corporation and rated A-, or excellent, by A.M. Best, the leading rating agency for insurance companies’ financial strength and stability. We’re also backed by a global reinsurance company with over $200 billion in assets.

Additionally, our team has extensive experience in the insurance industry. Most of us have come from large carriers like Allstate, Farmers, and American Family in areas such as actuarial, underwriting, claims, and customer service.

Our experience, combined with our partners’ experience and financial strength, means that you can feel confident choosing Clearcover.

Hi, I’m Nathan, Head of Finance at Clearcover. I want to explain to you how we keep your money safe. We do it in two main ways. One, we have partners to process the payments that have the highest level of PCI compliance. What that means is it keeps your payment information, your credit card information, all of that really safe. Two, once we process your payment we don’t invest it in risky investments, and we work with an A+ rated reinsurer to help share the risk so that your money is safe in the long run. In short, we take protecting your money really seriously here at Clearcover.

Clearcover protects your money in two ways.

One, our payment processing partners have the highest level of PCI compliance. This means we keep your payment information, your credit card information, and all of your personal information safe.

Two, we partner with an A+ rated reinsurer with over $200 billion in assets to ensure there’s always enough money to pay for claims.

At Clearcover, Customer Advocates make sure that, when you need help, someone will be there for you. We understand that auto insurance can be confusing. That’s why our team is ready to help you select and manage your coverage and provide guidance and support if you need to file a claim.

Hi, I’m Matt Dressel. I’m the Head of Engineering here at Clearcover. I’m here today to discuss with you whether or not I’d recommend Clearcover to my family and friends. It’s an emphatic, “Yes!” because I trust the people making it. I’ve been lucky enough to handpick the entire engineering team. They’re smart. They’re empathetic. They’re keenly aware of the challenges that face customers. We’re using technology to save costs and ultimately to provide better service. I would definitely recommend Clearcover to my family and friends.

Absolutely! The reason is our people. They’re smart. They’re empathetic. They’re keenly aware of the challenges that face customers, and they’re deeply committed to our purpose; to make sure you get the right coverage, in the moments that matter, and pay less.

Yes! Clearcover is licensed in California and has been issuing and servicing policies in the state since early 2018. We are underwritten in California by Response Indemnity Company of California, which has been in business since the 1970s. Clearcover’s California license number is 0L85599.

Clearcover’s NAIC number is 10970-0002 in California and 16524 in all other states. If you’re experiencing issues with the California DMV website and our NAIC number, you can contact a member of our Customer Advocate team at (855) 444-1875 and the number 1 in the menu of options or by chat on our website or the Clearcover app.

The coverage on your auto policy generally still applies to your rental vehicle as long as it's being driven for personal use. Your personal auto policy may not apply if the rental vehicle is being used for commercial or business use. The rental of exotic vehicles may not be covered.

If you'll be paying for a rental vehicle with a credit card, check with your credit card company to see what additional rental car coverage is provided. They may provide additional benefits including added rental vehicle coverage as part of being a cardholder.

The ride sharing endorsement helps fill in gaps of coverage if you use your vehicle for services like Uber or Lyft. Your Clearcover coverage will not be applicable if a passenger is in your vehicle during an active ride sharing trip. However, Clearcover coverage may be applicable during inactive periods during ride sharing service or on the way to pick up a passenger.

Of course! Clearcover loves our rideshare driver customers so much, we created a special kind of coverage to make sure you’re protected. While other car insurance companies might deny you coverage when you’re on the clock, Clearcover’s Ridesharing endorsement protects you during Period 1, a time that some ridesharing employers neglect to cover, leaving you exposed to risk.

The best part? It starts around $10 more per month. So turn on your app, grab the wheel and go. We’ve got you covered.

Full coverage typically refers to liability coverage along with comprehensive and collision coverage. The term can be misleading though because every possible incident may not be covered. We recommend you review all of the coverages we offer and determine what you’d like based on your needs. Coverages like Roadside Assistance, Alternate Transportation, Ride Sharing Endorsement, and Medical Payments are offered by Clearcover but may not come under the “full coverage” term by insurance industry standards.

We only offer car insurance right now, but if you need renters or homeowners coverage, we can help you find it through one of our partners.

We believe everyone deserves a low rate. So, we took most of the things that big insurance companies only offer as discounts and made them a standard part of our pricing. Things like safe driving, vehicle safety features, electronic documents, and paying in advance still save you a bunch of money, but with Clearcover you don’t have to worry about finding or selecting discounts - they are built right into your price.

Getting insured with Clearcover usually takes a few minutes or less, depending on how many drivers and cars you need to cover. It can be even faster if you come to us through one of our partners. While many companies let you start the quoting process online, only to ask you to call an agent, with Clearcover you can quote and purchase in minutes through our easy-to-use online experience.

You can cancel your old insurance policy any time. Just reach out to your old insurance company and let them know you’d like to cancel (since you’ve found a smarter option). Our team of Customer Advocates can also help with this process.

We do not sell 12-month term policies at this time. We will notify you if this changes.

If your spouse lives with you, we are required to list them on the policy as either an insured driver or an excluded driver. In order to exclude a driver on your policy, an electronically signed exclusion form is required. Adding your spouse as a driver could potentially lower your rate, depending on your marital status and their driving history!

Yes - you can now change your payment information through the app. Simply download the app, tap on Payments and choose “Change”.

Just open the Clearcover app, and you'll see a notification that your payment needs to be submitted. Press the notification to make a payment from the app or call us at (855) 444-1875 to submit your new information via phone.

Unfortunately, Clearcover does not have online account access at this time. However, you can access and view policy and account information via the Clearcover app using the email on file with your policy to login. If you’re having trouble logging in or have forgotten your password, please reach out to our Customer Advocate team at (855) 444-1875 and the number 1 in the menu of options or email

If your vehicle’s coverage includes collision coverage, your policy’s declaration page will state that Uninsured Motorist Property Damage (UMPD) is waived. When collision coverage is present on a vehicle, UMPD is no longer applicable and is instead replaced by what’s called the Collision Deductible Waiver (CDW). This means that in the event of an incident with a confirmed uninsured motorist where they are determined at fault, your collision deductible will be waived.

Unfortunately, we do not have those functionalities available online or via the Clearcover app at this time. However, our team is working on it and we’ll let you know as soon as our app has more dynamic functionality! In the interim, please reach out to our Customer Advocate team for assistance regarding policy changes.

Unfortunately, we cannot change a bill’s due date at this time or remove the scheduled automatic payment from being processed. However, there are options for you if you’d like to pay your bill at a later date. You can contact your banking institution and have them block the automatic payment to Clearcover on the date scheduled or if you know the payment will not process successfully on our end when the bill is due you can allow the payment to fail. In both circumstances, your policy will remain active but will enter a pending cancellation status. You will have a grace period of at least ten days to contact us and process your past due payment with either the payment method on file or a new payment method of your choosing. If your policy enters the pending cancellation status for any reason, you will receive both an email notification and a certified piece of mail from us stating your policy’s cancellation date.

Why did I receive a message that my Clearcover insurance policy is pending cancellation?

You received this notice via email because there was an issue with your most recent payment. Please contact us immediately to make your payment and keep your policy active.

You can reach us at, via chat through your Clearcover App, or via phone 855-444-1875. We encourage you to contact us immediately after receiving the notice or you are in danger of being uninsured.

Unfortunately, at this time we’re unable to modify payment dates. If you’re paying monthly, you will be charged every 30 days starting from the first day of your insurance policy.

If you choose to pay in full, you will be charged every six months, starting from the first day of your insurance policy.

Yes, we make it easy so you don’t have to waste any time on ensuring you’re properly covered with the right car insurance. Your policy will automatically renew on auto-pay to another 6-month term with the original payment terms you chose.

This might be our least favorite question, but we understand that Clearcover can’t be the right fit for everyone. You can cancel your policy by calling us at 855-444-1875 or emailing us at

You don’t need to do anything… just sit back and relax. Your policy renews automatically every 6 months using the payment information you have on file.

We’re sorry to hear that your rate was increased. We strive to provide the lowest possible prices to our customers but due to a variety of factors, rates can sometimes change.

At the end of each policy term, we review information related to your insurance application, including your current public driving record and vehicle history, to renew your policy. There are about 30 factors used to calculate your price and occasionally changes in circumstance related to those factors can impact your rate.

Sometimes, even if you receive a rate increase, Clearcover will still be the lowest rate available. Email us at to discuss this further.

45 days prior to your policy renewing, we review a variety of information including your current public driving record, vehicle status and payment history.

Depending on what was flagged, you did not qualify for renewal. The letter you received should cite the specific issue.

Your new policy information and ID card can be found in your Clearcover app. It will automatically display your new ID on the first day of your new policy. Please email us at to request a mailed copy of your policy and ID card(s).

Clearcover strives to process all refunds within 7-10 business days. Refunds are processed via e-check and are sent directly to the email address on file with the policy. If you prefer a physical check, we can accommodate this request. Please reach out to a Clearcover Customer Advocate if you have any additional questions regarding refunds.

Call 911. If the accident is serious or someone has been injured, call 911 first. Make sure people are safe and the police are notified before doing anything else.

If you can, take photos of the driver’s licenses and insurance cards of anyone else involved in the accident. You can do this in your Clearcover app or using your phone’s camera app. These photos help speed up the claims process.

If you can, take any relevant photos of the scene or the vehicles involved. These also help speed up the claims process and can be helpful in determining who caused the accident.

If your vehicle is being towed from the scene, make sure you know where it is being taken. The police at the scene may coordinate the tow. It’s important that you ask where they’re taking the vehicle to expedite your claim and/or repair.

When it’s safe, you can start the claims process. View details on how to start the claims process with Clearcover in the sections below.

If you are a Clearcover customer, we offer three ways to file a claim:

  1. Via our app; The Clearcover app allows you to file a claim 24 hours a day, 7 days a week, 365 days a year. Click “Claims” and follow the simple instructions to report the claim. A claims representative will contact you within 24 hours to set expectations and discuss the specific details of your claim.
  2. Via phone (855) 444-1875; The Clearcover Customer Advocate team is available Monday through Friday from 8 AM - 9 PM Central Time.
  3. Via email; You can reach out to our Customer Advocates via email at

If you were involved in an accident with a Clearcover customer, please contact us via phone at (855) 444-1875. Our team is available Monday through Friday from 8 AM - 9 PM Central Time.

If you have our Roadside coverage, we can help in two ways:

  1. Via our app; Click “Roadside Assistance” and follow the simple instructions. You’ll be able to track the service provider while they are en-route to assist you.
  2. Via phone (855) 444-1875; After calling, select “Claims”, then “Roadside Assistance” from the provided menu. Honk, our roadside assistance partner, is available 24/7/365 to help you.

A “Glass Damage Only” claim is exactly what it sounds like - any incident that only results in damage to glass on your vehicle. This includes windshields, windows, or sunroofs.

If this happens, we can help in two ways:

  1. Via our app: Click “Claims” and then select “Glass Damage Only”.
  2. Via phone (855) 444-1875: Select “Claims”, then select “Glass Only Claims” from the provided menu. Safelite, our glass partner, will take all the required information to resolve your glass issue.

If you’re using the Clearcover app, we’ll walk you through the process. Typically you’ll need:

  1. The incident location, date, and time
  2. Photos of your vehicle, other vehicles, the licenses and insurance cards of any other people involved, and/or any police reports that were filed as a result of the incident. You can take these photos in the Clearcover app or upload photos you took while at the scene of the incident.

If you’re filing the claim via email or over the phone, you’ll also need your policy number to get started.

  1. Filing a claim. To get the claims process started, use the Clearcover app or contact us via phone or email. We’ll collect a few details about the incident so we can get things moving.
  2. Determine coverage eligibility. Our team will check to make sure your incident is covered and that an insurance claim is the best path forward towards resolution.
  3. Estimate losses. For most claims, we’ll need to estimate the damages or amount of the loss in order to make sure you get paid correctly.
  4. Resolve claim. Once we understand the incident and damages, we’ll get to work resolving your claim. This may happen immediately or include negotiations or legal proceedings, depending on the type of claim.

An estimate is an assessment of the cost to repair damaged property. The estimate will usually include parts, labor, and any other charges associated with the repair of your property.

The amount of time to complete an estimate depends on the damage and circumstances of the loss, but if you file a claim by uploading photos through our app, we can usually finish within 3-4 hours after photos are submitted.

Clearcover’s repair process is flexible and designed to make your life easier. Once you have your estimate, you won’t be pressured to use one of our preferred repair facilities. You can take your vehicle wherever you want.

Sometimes additional damage is found as damaged parts are removed for repair. This is common to the insurance industry and known as a “supplement”. Your estimate outlines the way your repair facility can file a supplement through our estimating partner Snapsheet.

Yes, you are still obligated to pay your deductible, even if you’re not at fault. The good news is that we can pursue your deductible from the at-fault driver during the subrogation process and, possibly, get your money back.

Your vehicle will be considered a "total loss" if it cannot be repaired safely, if repairing the vehicle is not economically practical (meaning the cost of repairs exceeds the actual cash value of the vehicle), or if state regulations require us to consider it a total loss.

If your policy covers a total loss, we’ll pay the actual cash value of the vehicle minus any deductible. We also may take ownership of the totaled vehicle (sometimes we can sell these to recover costs).

Each claim is unique, and there are many factors that influence how long your claim will take. Your claims representative will ensure we resolve your auto claim as efficiently as possible. Giving them all the necessary details and documentation will help your claim get approved and paid more quickly.

Depending on the type of claim, we’ll transfer funds directly to your bank account or mail you a check.

Not necessarily. Our insurance is there to help you when you need it. Certain things that result in claims, like at-fault accidents or violations, are considered in determining your premium, but simply filing a claim doesn't mean we'll increase your rate.

If your vehicle is unusable due to a covered claim, instead of forcing you to rent a vehicle through your insurance company, we'll give you money so you can decide how to get around – carpooling, using ridesharing services, taking public transportation, or renting a car from a company of your choice. It’s all about flexibility.

This is a rare occurrence but can happen when a claim involves a legal dispute. If this happens, you should notify your claims representative and they will ensure an attorney responds on your behalf.

The Littleton Group is our claims partner. They support the claims process and have a track record of delivering excellent customer service. For certain kinds of claims, they’ll be part of the team dedicated to resolving your claim and getting you back on the road.

Honk, our Roadside Assistance partner, has over 56,000 service providers nationwide and is a trusted way to find and order Roadside Assistance 24/7 from the web, a mobile phone, or tablet. We partnered with Honk to connect you with convenient and immediate support in the event of something unexpected.

Our glass partner Safelite makes fixing glass damage fast and easy with 24/7 online booking, live representatives available 365 days a year, and convenient scheduling. They also complete repairs where it’s convenient for you - work, home or another location of your choice.

Our partner Snapsheet speeds up the claims process by using proprietary technology to enable photo estimation and virtual inspection. By allowing you to submit photos using your phone, they help us deliver fast, accurate estimates and better claims experiences.

Fortegra Financial Corporation is our insurance carrier partner in California. Fortegra and its subsidiaries comprise a single-source insurance services provider that offers a range of consumer protection options including warranty solutions, credit insurance, and specialty underwriting programs. Delivering multifaceted coverage with an unmatched service experience for domestic and international partners and their customers, Fortegra solves immediate, everyday needs, empowering consumers to worry less and Experience More.

Clearcover insurance policies are underwritten by Response Indemnity Company of California in California and Clearcover Insurance Company in IL. Response Indemnity Company of California is a California-domiciled property and casualty insurance company providing automobile and other property insurance in the state of California. The company's product lines include personal auto, collateral protection on real estate and automobiles and other credit property products. Response Indemnity Company of California is rated A- (Excellent) by the A.M. Best Co. and is part of the Fortegra family of companies. Its headquarters are in Jacksonville, FL.

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