ComplaintsforClearcover, Inc.

• Initial Complaint

  06/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was involved in auto accident 12/31/2023 in *************. The party who hit me on expressway was covered by Clearcover. They do not respond promptly to calls or emails. Ive had several agents assigned and when they switched I was not always informed. I have emailed, faxed and mailed requested information. I am not getting responses. I have filed a claim with ******************* of Insurance hoping for a response.

  

  Business response

  07/05/2024

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

• Initial Complaint

  06/25/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  If I could give 0 stars, I would. My experience with ClearCover has been absolutely horrendous. For two months, they have lied and switched back and forth with their stories about what my policy covers. Despite their numerous assurances, they refuse to pay for my repair. To make matters worse, the supervisor, *************************, mocked me over the phone and bragged that calls aren't recorded, showing a complete lack of accountability. Their deceitful behavior has not only wasted my time but also left me with huge repair bills they initially promised to cover. Stay far away from this company!

  

  Business response

  06/28/2024

  Thank you for this opportunity to address your concern.  
  When completing repairs for your claim, we advised that you had the opportunity to repair with whatever shop you chose. In this claim, we did not refer a partnered shop to you. We were notified of a concern with your glass repairs by you, and have been working alongside you and your shop to assist in resolving this issue. Although this was your shop of choice, we wanted to ensure we did everything we could to help resolve your concerns.
  My understanding is that the shop that you worked with hired out a company who completed the glass repairs for your vehicle. In our estimate we wrote for OEM glass, but it appears that your shop did not replace the glass with OEM parts, instead used aftermarket parts.
  Our team members reached out, and were eventually able to assist in getting your shop to agree to reimburse you directly for the glass portion of the repair. When we spoke last we advised this, along with going over any supplement expectations. 
  At this time, we have not received any supplements from your glass shop of choice, but will be happy to review any pertinent information that we receive. 
  If you have any questions,  please contact us at  ********************************* 
  
  
  

  Customer response

  07/01/2024

   
  Complaint: 21897252
  
  I am rejecting this response because: For nearly three months, Clearcover consistently informed me that they do not cover OEM glass, forcing me to pay for the replacement out of my own pocket. However, upon reviewing their "aftermarket parts warranty," I discovered that Clearcover is indeed responsible for fixing damaged or improper glass. Only then did the company change its stance, claiming they do cover OEM glass, thereby refusing to honor the "aftermarket parts warranty."

  After the repair shop reimbursed me for the glass, Clearcover refused to provide the additional funds necessary for OEM glass replacement. I have submitted an estimate for supplement from the manufacturer detailing the additional costs, yet Clearcover continues to deny the necessary reimbursement.

  I possess months of emails and call recordings that clearly demonstrate Clearcover's consistent misinformation and refusal to cover my repair costs. Given this ongoing issue, I am prepared to forward all evidence to my lawyer and let them handle this matter with what has proven to be an unreliable company.
  
  Sincerely,
  
  ***********************

  

  Business response

  07/05/2024

  Thank you for this opportunity to address your concern.  
  Upon review of your policy, you do not carry the *** endorsement for your vehicle. We write our estimates based on the most cost-effective parts available, which sometimes does mean we write with after-market new parts.
  A concern was brought to the attention of a supervisor here at Clearcover regarding the safety of the glass that was installed in the vehicle, and that it was improperly installed. As the shop who completed the work is not a partner shop, we made every diligent effort to assist in bridging the conversation between you and your shop. I had some additional concerns after speaking with your shop, and requested our estimating supervisor become involved to see if we could assist further. As we reviewed your claim, we found that your shop did not read the estimate completely and repaired with parts that we did not write with.
  We made several other attempts to reach the shop to coordinate a refund, which they have issued to you directly, for the costs of the glass repairs. As the owner, you would  be responsible for taking these funds to your repair shop of choice, who will be able to repair the vehicle as the estimate was written. 
  When we last spoke, I provided you with specific details, requested that you provide the Tesla dealership you are working with our estimate so we can be in contact with them and cover any additional costs towards the repairs that *** be needed. As of July 1 *****, your shop has not contacted us nor submitted any requests for a supplemental estimate.
  We will be happy to coordinate a supplement if you can provide your shop information, and work to get this matter resolved for you.
  If you have any questions,  please contact us at  ********************************* 
  
  

• Initial Complaint

  05/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Clearcover was my Auto insurance and was automatically withdrawn from my account. I deducted the payment of ****** like I have since September 2023. When I checked my banking online to mark off what was cleared I seen that Clearcover withdrew ****** instead of ******. I called right away to find out why they took out over ****** more. They said they went up. No call, email, text or even a letter to inform me of the change. I told them this is unexceptable. I ended the call, make another call to get Auto insurance and then called Clearcover back. I told them to cancel my Auto with them immediately as I have just received insurance with another company. They told me ok and I would recieve 217.?? back to my account. I waited for about 2-3 weeks and still nothing in my account. I called and was told in went back into my account the next day, when I was told it would take ***** business days. I called my bank back and they checked and nothing was deposited to my account. This calling to clearcover and my bank went on for several weeks. I talked with an **** at Clearcover and she talked with someone at my bank, **** was told by my bank that nothing ever went into my account for ******. **** told me she would call me back by the end of the day. I gave it 2 days thinking she was still working on it. I was very upset and called Clearcover back and asked to talk to a supervisor. ******** answered my call and I had to explain again what was going on. They have to recording that **** talked with someone from my bank, but still wasn't good enough. Had me calling my bank to give them a tracking number 5Z0YDYRDHHQE and it did not show up for my bank. As of today May 10, 2024 I have not reiceved my money or anything from Clearcover. This is not professional and others need to be aware of Clearcover taking advantage of other.

  

  Business response

  05/16/2024

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

  Customer response

  05/23/2024

   
  Complaint: 21696621
  
  I am rejecting this response because:

   

  Clearcover has reached out to me, but still nothing
  
  Sincerely,
  
  *************************

  

  Business response

  05/31/2024

  Thank you for this opportunity to address your concern.  
  To continue the investigation we need that information in writing signed by the bank. Clearcover has also provided you with the *** tracking number for you and your bank to help track the refund that shows successfully deposited on our end into your account. Have you provided the refund reference number to your bank? 
  
  If so, and your bank still hasn't been able to locate the refund, your bank should be able to provide you with a signed statement that indicates the refund did not occur. This document would be addressed to you and not Clearcover, you would then provide the document addressed to you to Clearcover. This is done so in an effort to not violate anyone's privacy concerns as the information would be provided to you from the bank and you would then provide the information to us. 
  
  If you cannot get us this information we can't continue with the investigation, I know this may be frustrating to hear and we want to help you but this information is needed in order to continue. 
  If you have any questions,  please contact us at  **********************************
  
  

  Customer response

  05/31/2024

   
  Complaint: 21696621
  
  I am rejecting this response because:

  They are requesting a statement signed by my bank.

  I have talked with my bank and due to privacy they are not allowed. They are protecting their customers as required.
  
  Sincerely,
  
  *************************

  

  Business response

  06/06/2024

  Thank you for this opportunity to address your concern.  
  Your financial institution should be able to provide the required documentation to you without violating privacy. Once you forward the signed letter, from your financial institution, detailing that no funds were deposited from Clearcover in March 2024, we can open an investigation with our banking institution. 
  If you have any questions,  please contact us at  **********************************
  
  
  

• Initial Complaint

  04/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a clearcover insurance policy holder who has recently been notified that my insurance policy has been null and void since its inception. Recently, April 19, 2024, I was involved in a car accident requiring me to file a claim with the insurance company. It was not until after the accident, after the claim was filed, prior to contacting my adjuster, that I was denied coverage. My claim was denied with no efforts to appeal, only an explanation as to why. I called the company in which they explained to me that my policy has been null and void since its inception due to my policy being in ********, but my car being registered in *****. I have paid over $3500 to this company for car insurance (covering up to $50,000 in damages) to find that when I needed it, my policy was set up in a way that would EVER allow me to have coverage. Because CLEARCOVER did not do their due diligence to verify pertinent information, i.e., VIN number, vehicle registration, state of residence, regardless of my efforts to do everything by the book, I am now on the hook for a 4 car accident, damages and repairs, as an uninsured driver, despite paying for and having a policy with this company for the last 3 years.

  

  Business response

  04/26/2024

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

• Initial Complaint

  04/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  A few months ago I was involved in a car accident. Clearcover consistently drug their feet and was unwilling to assist me in a timely manner , leading to my vehicle being in the shop for longer than needed. I was without a car for over 2.5 months while they played around and refused to answer me or the body shop in a respectable and timely manner. In addition, the PA turnpike has been trying to reach them for about a month now in reference to my accident to assist me in re collecting my deposit since I was not at fault in the accident. Clearcover refuses to return their calls or mine. In addition they have now hit me with a monthly increase in insurance over 50%. Any time I have been able to contact them, they are incredibly rude and dismissive .

  

  Business response

  04/26/2024

  Thank you for this opportunity to address your concern.  
  A member of our claims team will reach out to you to resolve your claim. 
  If you have any questions,  please contact us at  ********************************* 
  
  

• Initial Complaint

  03/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My son was rear-ended by a Clearcover insurance policy holder on February 6, 2024. We had to babysit Clearcover every step of the way in order to get the process moving forward. Clearcover wasn't happy with the pictures their adjuster took, for instance, so we had to go and take pictures of the damage for them. Every step forward required a phone call from us. It took them almost three weeks just to determine whether to total the car or not, which they did end up doing. We sent the title and keys to the totaled car in the next day. Finally, on March 4th we were informed by Clearcover that they would be sending two payments for the totaled vehicle. One direct deposit, the remainder in a check. I have never had an insurance company split payments up this way. The problem is that is is now March 5th, 2024. We had to turn in the rental car on February 29, 2024 because they would only cover it for so many days. Now, I am paying for a rental car as I wait for their check to come via snail mail. Then I have to wait for the check to clear before I can use it. I don't have the check yet, so this could go on for another week or more. The cost of the the rental car at this stage is not reimbursable. I can't buy a replacement vehicle until I have all of the money from the claim. There is no sense of urgency from this company and they could care less. I spoke with them several times. In fact, I even said that I was going to file a complaint with the BBB and the ****** of ************ of Insurance here in our state and their response was, "Go ahead." Now it looks like I am going to have to take the owner of the car that hit us, who has the policy with Clearcover, to small claims court so that I can get reimbursed for the rental. I would think twice about ever getting a policy with this company. You are putting yourself at risk by doing so. Their tagline should be, "Victimizing victims since 2016"

  

  Business response

  03/08/2024

  Thank you for this opportunity to address your concern.  We apologize for any inconvenience the two payments may have caused. We have successfully canceled our check payment and reissued it as an Electronic Funds Transfer to expedite you receiving your payment. 
  If you have any questions,  please contact us at  ********************************* 
  

• Initial Complaint

  01/31/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  To whom It May ********* am filing a complaint against Clearcover Insurance for car rental reimbursement. My accident occurred 12/13/2023. The Claims adjuster,***************************** sent an email with details for car rental reimbursement. The process was a nightmare. I ended up renting 3 different cars, (email specified no more than 30 dollars/day up to 30 days with a maximum of $900 per incident. It was a hassle receiving any payment because I was told by my claims adjuster that they needed an invoice only. The last 2 cars I had rented were with Hertz via Priceline because the rates were higher than 30/day, priceline had the cheapest rate. Priceline had sent me detailed itinerary that specifically had my name number of days, credit card info, my address, daily rate, taxes and fees, and total charged to my card. *******, My claims adjuster, insisted that was not good enough stating I would need an invoice (Priceline does not send invoices; It clearly says at the bottom of my itinerary that theses were actual receipts. I went round and round with her for 2 weeks regarding this situation. I finally was fed up and called to issue a complaint, it was then she took another look at my itinerary, and informed me that someone would get back with me on 2/1/2024. She called me back within 2 hours on 1/29/24 informing me that since I did not rent the cars for 30 days they would only reimburse me for 16 days. That is not what the email I received said. She gave me her supposed supervisor named ***** 's number **************. I called and left a message 2 days in a row with no response. I feel like I should be reimbursed for the full amount that I paid for the rental. I've never had an insurance company treat me this way, it's been AWFUL customer service and I'm frustrated. I have calculated what the insurance company owes me and the remaining balance owed to me is $380.59. Thank you, *************************

• Initial Complaint

  01/29/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Clearcover insurance refusing to pay rental car costs. Sends false information on claim supposedly fully covered, then delays and denies payment for all costs incurred to claimant

  

  Business response

  02/01/2024

  Thank you for this opportunity to address your concern.  
  Please provide a claim number, policy number and/or insured name so that we can locate this claim in our system.  
  If you have any questions,  please contact us at  *********************************. 
  

• Initial Complaint

  01/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I paid Clearcover $311.47 on January 7th of ****. The same day I canceled my auto insurance and requested a refund. Clearcover is claiming to of refunded my card ending in ****, but I have yet to receive payment. My bank, ************ of the Ozarks says Clearcover inout an error regarding the expiration date of my debit card, and input a refund code that is not accepted by my bank. This is all done by an automated system according to Clearcover. I do want my money back, and will continue to pursue it. But my bigger concern is that this has happened to other customers that have not caught the problem. From what I can gather, their automated system incorrectly issued my refund, but claimed it did so correctly. Clearcover stands by this. I did not receive a refund to my debit account and I did not receive a paper check by mail.Ultimately, I do want my refund, but Im also concerned Im not the only one this has happened to. I may of just been the only one to catch it or escalate it this far.

  

  Business response

  02/07/2024

  Thank you for this opportunity to address your concern.  
  Clearcover generated a refund in the amount of $311.47 on January 7th, ****, as a result of the your request to cancel the policy. The funds were credited back to the MasterCard ending in ****. The Acquirer Reference Number (ARN) for the credit issued to the credit card is 64G7RATM1ZPC. Our records indicate that the return of funds was completed and $311.47 credit was applied to this MasterCard. This ARN can be used by your banking institution for further research. 
  We require a signed statement from your banking institution, for the MasterCard ending in ****, indicating they did not receive a refund in order to research further. 
  
  If you have any questions,  please contact us at  **********************************
  
  

• Initial Complaint

  01/19/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My vehicle was hit clearly within blatant point of impact and after over a year of waiting they just decided to take the arbitrators word . They refuse to give me any additional information to fight this or help me in any way. The people involved have lied and committed insurance fraud, the insurance company is allowing this to happen and not giving me any recourse! I want the $1000 back they I shouldn't have had to spend because this wreck factually wasn't my fault! They refuse to give me this information. I want nothing more to be done with this horrible company, but it seems it's never ending. I have every right to bash them and tell the world what they are doing, they seem to be mad about that instead of resolving the issue. I hope no one does business with this scam of an insurance company!

  

  Business response

  01/30/2024

  Thank you for this opportunity to address your concern.  
  The arbitrator's found neither party responsible for this loss.  The decision is only binding upon Clearcover.  You can pursue your deductible with the at-fault carrier.  Clearcover has provided you with the at-fault carriers information so that you can pursue the recovery of your deductible. 
  If you have any questions,  please contact us at  ********************************* 
  

*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. ↩