Complaints

This profile includes complaints for Clearcover, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Clearcover, Inc.

  PO Box A3386 Chicago, IL 60690-3386

  
• 

  Clearcover, Inc.

  33 W Monroe St Ste 1350 Chicago, IL 60603-5321

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/18/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We signed up for an insurance policy under Clearcover in 2023 specifically to cover myself living at a different address than my parents. We paid premiums for 2 years and the first claim we ever had to file we were immediately denied. We have called multiple times and have not received an answer. We have emailed numerous times that have gone unanswered. Clearcover is the absolute WORST company I have ever had to deal with. It has now been 2 full weeks with no vehicle to go to and from work and no answer at the businesses number.

  

  Business Response

  Date: 05/02/2025

  Thank you for this opportunity to address your concern.  
  A member of our claims team is in touch with you to resolve this matter.  
  
  If you have any questions,  please contact us at  ***********************************************************
  

   

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Clearcover did not stand by the quoted premium renewal amount on 1/30/2025 to take effect on 4/5/2025 There was an installment charge of $5 per month. This was never told to me no letter no email nothing. They were just going to take it automatically out of my bank account along with my premium payment. Today when I checked on my premium in the Clearcover app I noticed $5 added to my original quote. I called and spoke with a representative he told me there was nothing he could do about and understood and apologized. This is not a very professional way of doing business. I personally think it's illegal whether it is or not.

  

  Business Response

  Date: 03/18/2025

  Thank you for allowing us the opportunity to address your concerns. I am writing to provide you with the details of your upcoming policy renewal.
  Your policy will renew on April 5th, 2025, with a six-month premium total of $483.54. You have chosen our monthly payment plan, resulting in a monthly premium of $80.59, plus a $5.00 monthly installment fee. Consequently, your total monthly payment will amount to $85.59.
  
  About the Installment Fee:
  
  The installment fee is designed to cover the additional costs associated with processing payments in multiple installments, which include credit card processing fees and the added administrative effort required to manage multiple transactions. 
  
  Payment Options:
  We would like to remind you that a pay-in-full option is available, which allows you to avoid the monthly installment fees. Should you wish to explore this payment option, please contact Clearcover prior to your renewal date on April 5th, 2025.
  
  Please do not hesitate to reach out if you have any further questions or if there is anything else I can assist you with. Our advocates are available to assist Monday thru Friday 8:00AM CST to 7:00PM CST. You can reach us by calling us at ************ or  chatting in via our mobile app. Thank you for being a valued customer.
  
  

  Customer Answer

  Date: 03/18/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:03/05/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Insurance company of person that rear ended our car has been 3 days with no contact I have left messages and no response. 

  

  Business Response

  Date: 03/11/2025

  Thank you for this opportunity to address your concern.  
  A member of our claims team is in touch with you to resolve this matter.  
  If you have any questions,  please contact us at  ***********************************************************
  

  Customer Answer

  Date: 03/12/2025

   
  Complaint: 23025098
  
  I am rejecting this response because:
  Clearcover called me and wanted me to take pictures of the car and the seats ************ and the cars headliner, and damage was, it was rear ended by their guy. I have had a lobectomy for cancer and I am presently taking my wife to radiation ****************** My insurance (State Farm) says they have never heard of this. 
  And I am in no shape to do all this work for them.
  Sincerely,
  
  ****** ********

  

  Business Response

  Date: 03/18/2025

  Thank you for this opportunity to address your concern.  
  A member of our claims team is in touch with you to resolve the damage to your vehicle.  
  If you have any questions,  please contact us at  ***********************************************************
  
  

• Initial Complaint

  Date:03/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1/8/25 their driver hit my vehicle.. takes a week to accept responsibility then lowballs me every step of the way. After requesting supervisor or management for over a month. I get one on a call after threatening litigation. She was just as rude. I guess when out of state insurance places try to reach into ************;they don't have to follow the law In ************;you must be licensed. And this place is NOT they refuse to even answer the question.

  

  Business Response

  Date: 03/04/2025

  Thank you for this opportunity to address your concern.  
  A member of our claims team is in touch with you to resolve this matter.  
  If you have any questions,  please contact us at  ***********************************************************
  

• Initial Complaint

  Date:02/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In November of 2024 a client of Clearcover caused an accident totally our ****** corolla. Upon payout of the claim Clearcover paid a bank, prestige financial, that didn't even have a current lien on the vehicle. They paid us the remainder of the claim and we purchased a replacement car. We have a secondary lien holder that we have continued making payments to which I wrongly assumed was the solution. Clearcover has since informed my secondary lienholder that they were not on the title (they were, I sent the title myself and have a picture of before I mailed it) making it seem like I hid this information from them. Which is ridiculous as it was recorded on paperwork I sent them and further it is the literal job of their title company to obtain this information. I have solved my issue to my secondary lienholder but Clearcover should have to recoup the money they incorrectly sent a bank that no longer held a lien on our vehicle. 

  

  Business Response

  Date: 02/26/2025

  Thank you for this opportunity to address your concern.  
  A member of our claims team is in touch with you to resolve this matter.  
  If you have any questions,  please contact us at  ***********************************************************
  

• Initial Complaint

  Date:02/11/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was involved in a accident with Clearcover insured. I was contacted by *** ********, Clearcover Claims Team on Friday, February 7th by telephone and e-mail, she took a recorded statement from me and followed up with a e-mail of specific instructions of what I was to do, pictures etc., specifically in bright sun light. Less than 12 hours later, I received a conflicting e-mail from Ms. ******** stating that she was denying the claim as well as requested that I submit to her my insurance information etc. This was already given to their driver and obviously she already had the information to contact me. I called her. She was rude and unprofessional and I requested to speak to her supervisor. I repeated my request multiple times. She told me that the call was being recorded for quality assurance and I had maintain a calm and soothing tone. She did not handle my request. Today I sent a e-mail of which she replied back and denied me access to speak to her supervisor. This unprofessional behavior is unnecessary, in addition, why did she request the information from me and then deny the claim.I would like to voice my concerns and file a complaint.

  

  Business Response

  Date: 02/20/2025

  Thank you for this opportunity to address your concern.  
  Clearcover has completed its investigation and has determined our insured is not responsible for this loss. As our insured holds no legal liability, we must respectfully deny your claim.
  If you have any questions,  please contact us at  ***********************************************************
  
  

  Customer Answer

  Date: 02/20/2025

   
  Complaint: 22929101
  
  I am rejecting this response because: The conflicting telephone call/request for me to submit pictures as well as my recorded statement by ******** ********.  Her unprofessional attitude and refusal to let me speak to her supervisor.  Clearly if she was denying the claim (she never mentioned or stated that when she took my recorded statement) then why did she request me to submit the pictures/information.  I still would like to speak to her supervisor and discuss her unprofessional handling of this matter and refusal to let me speak to her supervisor.  Simply put, if she had no intentions of honoring her request to review the pictures of the accident.  I would also like verification that Ms. ******** is a licensed adjuster to make such determinations and decisions.
  
  Sincerely,
  
  ****** ********

  

  Business Response

  Date: 02/26/2025

  Thank you for this opportunity to address your concern.  
  A member of our management team is in contact with you.  
  If you have any questions,  please contact us at  ***********************************************************
  
  

  Customer Answer

  Date: 03/12/2025

  Complaint: 22929101
  
  I am rejecting this response because: I am attaching the initial letter sent to me by the business and the follow up letter (clearly the adjuster did not understand my name) of which the company never allowed me time to provide them the information of which they requested prior to abruptly making the decision to deny the claim.

  Sincerely,
  
  ****** ********

  

  Business Response

  Date: 03/18/2025

  Thank you for this opportunity to address your concern.  
  Clearcover has completed its investigation and has determined our insured is not responsible for this loss. As our insured holds no legal liability, we must respectfully deny your claim.
  If you have any questions,  please contact us at  ***********************************************************
  
  

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 22929101
  
  I am rejecting this response because: I provided documentation to both Clearcover and the BBB of the insurance adjuster's request from me to provide specific documentation and pictures regarding this claim.  The purpose of my complaint is that less than 12 hours later (e-mail from the adjuster) denying the claim.  I was never given the opportunity to provide the requested information to support my claim(clearly, her e-mail is very specific in what steps I had to do).  The additional complaint is regarding the unprofessional, rude behavior of the adjuster when I contacted her to discuss the later e-mail, she NEVER stated to me at the beginning of our recorded telephone conversation of her intent to deny the claim.  She was argumentative and unprofessional and even thought numerous requests was made to speak to her supervisor, she refused.  These two issues combined is the reasons for my complaint to the BBB.  
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:01/30/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have compensative car insurance with Clearcover and on 01/09/2025 a Deer ran into my car causing damage to the Hood, Radiators, water hose, Grill, and Bumper. I filed the claim an hour after the Deer hit me and to this date, Clearcover has not made good on the claim, all I get is the run-around, I made them aware if they think that I am trying to scam them, that they should without delay filed a fraud claim with the law and have them come to me and investigate my claim. I am not committing any crime in my claim, and I do not understand why Clearcover is not making good on my Valid Claim.Your Help in resolving this matter will be appreciated for I do not have another car to get around in just the one and it's not drivable. Thank You. If Clearcover doesn't want to make good on the claim, they can get me the same year car as a replacement or give me what is fair on my claim.

  

  Business Response

  Date: 02/05/2025

  Thank you for this opportunity to address your concern.  
  Clearcover is the process of completing its coverage investigation. 
  A member of our claims team will be in touch with you shortly to discuss your concerns.  
  If you have any questions,  please contact us at  ***********************************************************
  
  

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22875735
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *********

  Customer Answer

  Date: 02/07/2025

  I have been told different stories without any results, I don't believe they are being truthful in my case, everything I told them could have been verified, if they are investigating my case why haven't the police or law enforcement met me at the door, I'm not hiding i welcome them to come. They are stalling, they know I am telling them the truth. They need to respond with payment thstvi may fix my car, or get me another one.

  Thank You.

  

  Business Response

  Date: 02/13/2025

  Thank you for this opportunity to address your concern.  We have tried to reach you to discuss settling your claim. Please contact our Estimating team at ******************** at your earliest convenience. 
  
  

• Initial Complaint

  Date:01/12/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 01-11-2025, after about two years of continuous coverage, Clearcover Car Insurance terminated coverage of my factory custom luxury conversion wheelchair van because underwriting unexpectedly decided the *** was for a cargo van. I believe this to be a discriminatory practice because a great many wheelchair conversions are done on a ****************** Clearcover underwriting has pictures of my van from when they first began coverage, and when handling a claim about 9 months ago from a parking lot hit-and-run. The pictures clearly show it is not a cargo van. Clearcover's unethical decision to terminate my coverage left me homebound while scrambling to find alternative coverage. They've also wrongfully reported me as having a lapse in coverage on at least two separate occasions, to which I've had to provide the lender with the insurance declaration pages to prove that there was never a lapse in coverage.

  

  Business Response

  Date: 01/21/2025

  Thank you for this opportunity to address your concern.  
  We have canceled your policy, effective January 13, 2025, following your chat request with Clearcover on January 12, 2025. A confirmation email has been sent to your registered email address: *************************** Additionally, a physical copy of the cancellation confirmation has been mailed to your address on file. A refund for the unearned premium will be issued to your **** card ending in 6631.
  If you have any questions,  please contact us at  ************************************************************
  
  

  Customer Answer

  Date: 01/22/2025

   
  Complaint: 22801180
  
  I am rejecting this response because the response does not address the complaint. 

  Clearcover decided that my long-standing policy would be terminated immediately because of the type of vehicle I own.  I own a wheelchair conversion van due to me being a permanently and totally disabled veteran who needs the use of a wheelchair.  When I called Clearcover to contest their decision to terminate my policy, I was told that there was absolutely nothing I could do and I simply would no longer be covered, and that I needed to find another carrier immediately.  I was told there was not any sort of appeal process that would prevent them from not covering me or my vehicle.  They even emailed me a list of other potential insurance providers to "help" me.  I was told that even though my renewed policy was paid through mid-March, if I were to be in an accident or need the roadside assistance attached to the policy, they would not honor it.  This was extremely stressful and unethical.
  
  Sincerely,
  
  **** *****

  

  Business Response

  Date: 01/24/2025

  Thank you for this opportunity to address your concern.  
  Clearcover is in receipt of your complaint with the Indiana Department of Insurance. Clearcover will respond to the ****************** of Insurance.   
  If you have any questions,  please contact us at  ************************************************************
  
  
  

  Customer Answer

  Date: 01/27/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********.  I have been advised to file a complaint with the Indiana Department of Insurance, which I have since completed.  While I am in no way satisfied with the business' response that they discriminated against me based on my protected class as a totally disabled veteran, my understanding is that this resolves the issue from the Better Business Bureau.  However, I will revisit the issue at the conclusion of the case that is now open with the Indiana insurance authority.
  
  Very Respectfully, 
  
  **** *****

• Initial Complaint

  Date:01/02/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband was involved in a wreck in August 2024. We reported it and initially they handled everything well. Lots of email communication back and forth for weeks. Once they deemed our vehicle as totaled, we had to get the proper paperwork and paperwork notarized in order for our vehicle to get picked up and receive our check for the car. At this time, we assumed since our vehicle was deemed totaled and picked up by the insurance company that they vehicle would be removed from our insurance since it was in their possession and no longer in ours. As of today 1/2 I went to look at the renewal for our car insurance and noticed I had still been paying for the vehicle that was towed. We paid for this vehicle for 4 months when they knew we were no longer in possession of or using this vehicle. I went today chat with a representative, ******, today 1/2 and received no sympathy, not willing to offer anything other than removing it from our new policy renewal for this year. She said I received an email on 8/30 but when I went back to check I had multiple emails from them that day. I have cancelled the renewal for 2025 and will be finding a new insurance company. I believe this is predatory business practice and this company should reimburse us for the months we did not need their coverage on a vehicle they had possession of.

  

  Business Response

  Date: 01/14/2025

  Thank you for this opportunity to address your concern.  
  
  On August 30th, 2024 Clearcover emailed an important update: Total Loss Evaluation to ***********************************.
  This email instructed you to contact Clearcover to discuss the option of removing the vehicle or canceling your policy and explained that we are unable to make retroactive adjustments to your policy. 
  
  The 2017 ****** was removed from the policy, via the Clearcover mobile app, effective January 2nd, 2025. On January 2nd, 2025 you chatted in via the mobile app inquiring about backdating the removal of the 2017 ******. After Clearcover explained our process you requested the Clearcover policy be cancelled on the upcoming renewal date. Clearcover honored the request and cancelled the policy effective January 5th, 2025. 
  
  If you have any questions,  please contact us at  ************************************************************
  
  
  
  

  Customer Answer

  Date: 01/14/2025

   
  Complaint: 22760318
  
  I am rejecting this response because: I want a refund for the months I paid for a vehicle that Clearcover deemed totaled and had position of as of 8/30/2024. 
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 01/21/2025

  Thank you for this opportunity to address your concern.  
  As detailed in our policy and agreed upon with the application signature by you.
  Cancellation
  a. You may cancel this policy during the policy
  period by calling or writing us and stating
  the future date you wish the cancellation to
  be effective. We must be able to verify your
  identity prior to processing your
  cancellation request.
  On August 30th, 2024 Clearcover emailed an important update: Total Loss Evaluation to *************************** This email instructed you to contact Clearcover to discuss the option of removing the vehicle or canceling your policy and explained that we are unable to make retroactive adjustments to your policy. 
  The 2017 ****** was removed from the policy, via the Clearcover mobile app, effective January 2nd, 2025. On January 2nd, 2025 you chatted in via the mobile app inquiring about backdating the removal of the 2017 ******. After Clearcover explained our process you requested the Clearcover policy be cancelled on the upcoming renewal date. Clearcover honored the request and cancelled the policy effective January 5th, 2025. 
  

  If you have any questions,  please contact us at  ************************************************************
  
  

  
  

  Customer Answer

  Date: 01/21/2025

   
  Complaint: 22760318
  
  I am rejecting this response because: I received multiple emails from Clearcover on 8/30/24. With multiple things to do. This is poor business practice and I will continue to reject your response until you give me back pay for a vehicle that was not in my possession but that was in yours. 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:12/16/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Clearcover sent a letter to the ************************* that my insurance had been cancelled when it was not I was just not renewing my policy. Initially the representative refused to let me cancel it for the renewal day. However the next representative did. They need to send another letter letting the ************************* know that I did not have a gap in coverage.

  

  Business Response

  Date: 12/20/2024

  Thank you for this opportunity to address your concern.  
  A member of our customer service team is in contact with you and has resolved this matter.  
  If you have any questions,  please contact us at  ************************************************************