Clearcover Auto Insurance: Is It Worth The Hype?

Clearcover is a car insurance company that offers a digital-first user experience in 19-20 states, depending on the source. It provides user-friendly online tools and a highly-rated app that allows customers to view policy information, submit claims, change payment methods, make payments, and more. The company advertises low premiums and claims to offer better coverage for less money. It also offers rideshare insurance for Uber and Lyft drivers and a 15% discount for military members. However, it does not offer bundling options for home or renters insurance, and its complaint levels are more than three times the industry average.

Clearcover's mobile app

The app has a 4.7 rating on the App Store with over 13,700 reviews. Users have praised the app for its ease of use, simple interface, and quick access to important information. The app also provides a live chat feature to connect users with a customer advocate for any policy-related questions or changes.

The app allows users to view their policy information, submit claims, request roadside assistance, schedule glass repairs, view their insurance ID card, change their payment method, make payments, and view payment information. The Quick View ID card feature ensures that users can access their insurance information even when offline.

Clearcover's app also offers a unique claims process, utilising AI technology to expedite claims payouts. Users can simply snap pictures of the damage, answer a few questions, and track the progress of their claim through the app. This streamlined process has resulted in fast claims payouts, with some eligible claims being paid in as little as 7 minutes.

The app also includes a Renewal Centre, where users can view their renewal information two weeks before their policy renews. On the first day of the new term, the app automatically updates to display the updated ID card and policy information.

In addition to the core insurance features, the app also offers Car Care, a service that helps drivers save on maintenance costs. Car Care provides discounts of up to 40% at over 23,000 maintenance shops across the US. Users can compare prices, book appointments, track auto maintenance, and access expert mechanics for troubleshooting common problems.

Overall, Clearcover's mobile app provides a user-friendly, convenient, and comprehensive experience for managing car insurance policies, claims, and additional services.

Clearcover's customer satisfaction

Clearcover is a relatively new company that offers car insurance in 19 to 20 states. It provides a digital-first experience, with customers managing their policies through its mobile app or website. The company uses AI technology to streamline the process of buying and claiming insurance.

Clearcover has a high complaint index, with nearly four times as many complaints as expected for a company of its size. The most common type of complaint is about cancelled policies, with other issues including policy non-renewal, adjuster handling, unsatisfactory settlement/offer, and delays.

Some customers have praised Clearcover for its low rates, transparency, and ease of use. However, others have criticised the company for its poor claims handling, with some customers reporting that Clearcover refused to pay their claims or offered a lower amount than expected.

Overall, Clearcover's customer satisfaction appears to be mixed. While some customers appreciate the convenience and affordability of the company's services, others have been left dissatisfied with the claims process and outcome.

Clearcover's pros and cons

Clearcover Pros:

Clearcover is a relatively new company that provides auto insurance and aims to use AI technology to streamline the insurance process and save customers money. Here are some pros of choosing Clearcover:

• It offers a user-friendly digital app that allows customers to easily manage their policies, submit claims, change payment methods, and view policy information.
• It provides quick and easy claims processing through its app, with some claims being paid out in as little as 7 minutes.
• It offers affordable rates, with some customers reporting significant savings compared to other providers.
• It provides transparent pricing, with customers getting the rate they are quoted.
• It offers a range of typical car insurance coverage options, including liability, comprehensive, collision, uninsured/underinsured motorist, and personal injury protection.
• It provides additional coverage options, such as alternate transportation coverage and rideshare coverage for Uber and Lyft drivers.
• It offers discounts for safe drivers, paying premiums in full, receiving documents electronically, owning a car with safety features, and military members.
• It has a strong financial rating from AM Best, indicating a good ability to meet its claims obligations.

Clearcover Cons:

While Clearcover has many positives, there are also some potential drawbacks to consider:

• It is only available in a limited number of states (19 to 20, depending on the source).
• It only offers auto insurance, so customers who want to bundle their home or renters insurance with their auto insurance will need to look elsewhere.
• It has a higher-than-average complaint index, with a higher number of complaints related to cancelled policies, policy non-renewal, and claims handling.
• It does not offer certain features that other insurers provide, such as accident forgiveness, new car replacement insurance, gap insurance, SR-22s, or usage-based insurance.
• It only offers six-month policies, which may be a deterrent for some drivers as it provides more opportunities for the company to adjust rates.
• It requires policyholders to have a smartphone to manage their policies through the app.

Clearcover's customer complaints

Clearcover has received a significant number of customer complaints, with a complaint index of 3.82, indicating nearly four times as many complaints as expected for a company of its size. The most common complaints include issues with claims, policy cancellations and non-renewals, adjuster handling, unsatisfactory settlements or offers, and delays.

One customer complained about Clearcover's refusal to pay their claim, alleging that the company used excuses to avoid payment. Another customer experienced a lengthy claims process, with Clearcover taking eight weeks to approve the claim, causing delays in repairs. Some customers also faced issues with rental car reimbursements, with Clearcover offering lower amounts than expected or failing to provide timely payments.

Clearcover has also received complaints about policy cancellations and non-renewals. In some cases, customers reported not receiving proper notification or justification for the cancellation of their policies. There were also complaints about the company's handling of policy changes, such as adding or removing vehicles, with some customers facing unexpected cancellations or issues with coverage.

Overall, the high volume and variety of customer complaints against Clearcover suggest that the company may need to improve its claims handling, customer service, and policy management processes to enhance customer satisfaction.

Clearcover's auto insurance coverage

Clearcover offers a range of auto insurance coverage options to its customers. The company provides all the typical car insurance coverage types, including liability, comprehensive, collision, uninsured/underinsured motorist, and personal injury protection.

Liability car insurance covers the medical expenses of other people's injuries and property damage in an accident caused by the policyholder. It also covers legal expenses if the insured person is sued over a car accident. Comprehensive insurance pays to repair or replace the insured car if it is damaged by fire, vandalism, flooding, falling objects, hail, or animal collisions, or if the car is stolen. Collision insurance covers the cost of repairing or replacing the insured car when it is damaged in an accident, regardless of fault, including when the car hits an object such as a fence or tree.

Clearcover also offers uninsured/underinsured motorist coverage, which pays the medical bills of the policyholder and their passengers if they are injured in an accident caused by a driver without liability insurance or with insufficient liability coverage. Personal Injury Protection (PIP) covers medical bills and other healthcare costs for injuries sustained by the policyholder and their passengers in an accident, regardless of who is at fault. It also covers funeral expenses, lost wages, and basic services such as childcare.

In addition to these standard coverage options, Clearcover provides some optional coverages. Alternate transportation coverage provides reimbursement for carpooling, ridesharing, public transportation, or rental cars if the insured vehicle is unavailable due to a covered incident. Clearcover also offers roadside assistance, which includes towing the vehicle to the nearest qualified repair shop in case of a breakdown and covers up to three automotive emergencies per six-month policy period.

Frequently asked questions