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:10/13/2022

  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.

  ClearCover's insured hit my vehicle and drove off on 8/26/** I immediately got on the phone with 911 once their insured started to drive from the scene of the accident and gave the operator the license plate number of the other vehicle. I completed police report as well as filed a claim with my insurance that same day. My insurance was able to located their insured and took a recorded statement. Since then my car has been repaired at my and my insurance expense, we are now in the process of requesting reimbursement after many failed attempts of trying to get ahold of ClearCover's rep I finally spoke to them on 9/29/** they've not been able to get ahold of their insured after multiple attempts through phone calls and certified mail. Their driver is in the wrong and I'm seeking reimbursement for the fees of my rental car $1230.06 and damages to my vehicle $8,010.85. It has been well over a month with no answer. Claim #**STTX00543040 my insurance and ClearCover have all the supporting documents needed to process this claim.

  

  Business Response

  Date: 10/21/2022

  Thank you for this opportunity to address your concern. We continue our efforts to make contact with our insured as we investigate your claim made against their policy. We will keep you updated on the status of our efforts.
  

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

• Initial Complaint

  Date:10/05/2022

  Type:Sales and Advertising 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 car was in an accident that I was not at fault for. The tow company had taken the car and placed it in their tow yard. I filed a claim immediately and clear cover did not act on the claim, which forced the bank I was taking the loan out of to repossess the car. Completely destroying my credit. They allowed the car to sit in the tow yard for over a month and gave the bank no choice but to repossess it. I was under the impression that it was the banks fault for repossessing my car immediately under the pretense that clear cover had given me. When in fact it was their fault for not handling the situation in a timely manner. Nobody seems to care or want to help me and I all I want is my credit to be restored.

  

  Business Response

  Date: 10/13/2022

  Thank you for this opportunity to address your concern. A member of our claims team will be in contact with you shortly to discuss your claim. 
  

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

  Customer Answer

  Date: 10/13/2022

   
  Complaint: 18171681
  
  I am rejecting this response because: they are taking no actions to help resolve the issue. Just like what I have been dealing with for almost a year now.
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 10/21/2022

  It is our position that we are not responsible for the repossession of your vehicle by the lienholder as we did not support or suggest you to stop loan/lease payments on the vehicle while the claim was being investigated and settled. 
  

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

  
  

  Customer Answer

  Date: 10/21/2022

   
  Complaint: 18171681
  
  I am rejecting this response because: as it states in the letter by US Bank, I was making payments on the vehicle when it was repossessed. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 10/27/2022

  It is Clearcovers position that our handling of your claim was timely. Please refer to our email of November 17, 2021 in which we advised you of your duty to mitigate your damages. We encourage you to contact the lienholder to resolve your concerns.
  

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

  
  

• Initial Complaint

  Date:10/01/2022

  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.

  Clearcover is a terrible company! My car got side swept and the lady who did is insured with Clearcover. Clearcover continuously reinsured me that Ill get fully paid for my rental car. There was nothing in writing about the policy that they wont pay for the supplemental days. In the email they told me they wont pay for weekends either but now they saying the weekend are already included in the payment. They paid the repair shop directly at the end but wanted me to pay the rental car and then clearcover would reimburse me. ******* mislead us and is saying they wont cover supplemental days. So they only pay 25 days out of my 47 days without a car. I was not even in my car when the accident happened, so I should not have to pay a *****! This was a huge inconvenience for me! Not once ******* told us that clearcover wouldnt pay for supplemental days, not once!!!! This is a big Scam. We are taking about a lot of money here. They also wont return my call in a timely manner!!! Ive been waiting sometimes up to 2 weeks to hear back. They wont even reply in timely manner to their client who has been trying to reach them for over a week! Terrible company!!!! Now we are sitting on $1827.83. This company is very unprofessional! They didnt even call their client back for a week. She couldnt reach them either.

  

  Business Response

  Date: 10/07/2022

  Thank you for this opportunity to address your concern. A member of our claims team will be in contact with you shortly to discuss an amicable resolution.
  

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

• Initial Complaint

  Date:09/29/2022

  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.

  I was in an accident in June 2022. The fault was on the other driver who pulled out in front of me. The fault was agreed to be on the other driver by their insurance, Clearcover. I was told there were no certain body shops to take my car, but to take photos of the damage and send it to them for an estimate. I made an appointment with my body shop, *************************************************. They couldn't get me in until late August. I dropped my car off and went on vacation, so I did not need a rental at the time. When I returned, they were still waiting for parts so I called my assigned agent at Clearcover to get information on a rental. ****** told me that I could have a rental and that as long as I provided receipts from both the rental company and body shop that showed that my rental was during the same time, they would reimburse me. The estimated time was five days, but parts came in the wrong color or not at all and the time was extended. My car was ready to be picked up 15 days after my rental was picked up. I dropped off the same day and provided all requested information to Clearcover. I was then told that "waiting for parts is not the responsibility of the insurance company". I was reimbursed for 5 of the 15 days of rental for this reason. My insurance informed me that this is not policy and contacted a supervisor at Clearcover, ****, who said the same, that they weren't responsible. I have tried contacting **** and get forwarded to voicemail and no return calls. It has been over a week since this occurred and I want the full refund that I was promised as I did not go outside of what I was told to do. The accident was not my fault and I am frustrated that I am being punished for parts not coming in on time. This is a nationwide issue and all other companies are taking the responsibility to take care of their drivers, why does Clearcover feel that they don't have to do the same?

  

  Business Response

  Date: 10/06/2022

  Thank you for this opportunity to address your concern. Our payment of five days for your loss of use is based on the estimated labor hours at 5 hours per day. Unfortunately, a delay occurred due to an error in the ordering or delivering of a part. We explained to you on our October 3, 2022 phone call why this delay is not the responsibility of Clearcover.
  

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

• Initial Complaint

  Date:09/27/2022

  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.

  This company took my money for 6 months and now refuse to honor my policy because of there laziness. Then when you try and call or online chat with them they just disconnect on you. Citing both owners need to be on the policy when that was never said. And s**** me because my family is fighting for yalls right to do this overseas and has a foreign license. Want them to fulfill the policy like was said or give me a refund for the passed 6 months I've been paying to them.

  

  Business Response

  Date: 10/06/2022

  Thank you for this opportunity to address your concern. Our guidelines do not permit us to insure drivers or owners who are without a valid ************ license.  
  If you have any questions,  please contact us at  **********************************
  
  

  Customer Answer

  Date: 10/06/2022

   
  Complaint: 18137424
  
  I am rejecting this response because:
  That should of been said when the agent made her policy also when she originally called the agent asked for the ****** ID then says we don't take it 
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 10/16/2022

  Thank you for this opportunity to address your concern. We will advise the involved agent. A ****** ID is not an acceptable risk for us.  
  If you have any questions,  please contact us at  **********************************
  

• Initial Complaint

  Date:09/12/2022

  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.

  I was involved in an accident on 8/3/2022 and immediately filed a claim the same day. I was contacted by a claims rep a few days later and she immediately got the claims process started for me. An estimator from Clearcover reached out to me on 8/26 informing me they decided to deem my car a total loss and sent me instructions on how to get the process started to receive my payout amount for the car. I sent in all the required information online through Coparts portal on 8/26 and mailed in the title through ***** on 8/29. Coparts received that document on 8/30 and the car was picked up by Coparts from the repair shop on 9/6. I got a call from the Clearcover estimator on 9/7 that they sent the repair shop a check for $8,323.87 to pay for the damages. The body shop said they already cashed the check and the Clearcover estimator informed me they could only send me a check for the difference ($10,804.75) and then would send the rest once they got the money back from the repair shop. I reached out to the repair shop the next day on 9/8 and they informed me they already sent the money back to Clearcover. During the phone call with the estimator on 9/7 he informed me that his supervisor gave him approval to expedite me the check for $10,804.75. I don't know who it's being delivered by or even a tracking number. I called him again on 9/8 to inform him that the body shop stated they've already sent the money back but I received no answer so I left a message, but didn't receive a call back. I called again today 9/12 to get an update if the check was mailed out and if they received the money back from the repair shop, again no answer so I left another message, still have not heard back. It has been over a month that I've been without a car and the fact the repair shop cashed the check is not my problem and shouldn't have anything to do with holding up the money I'm owed. Please just send me my money so that I can get a new car and get back doing the things I need to do.

  

  Business Response

  Date: 09/21/2022

  BBB: 18016616
  Policy: TX00000007153
  Claim:  22ATTX0050381

  
  Thank you for the opportunity to address your concern. We issued a check to you on September 13, 2022 representing payment for the total loss of your vehicle. We continue to await the return check from the shop and will credit it to the claim file upon receipt.

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

  
  

  Customer Answer

  Date: 09/22/2022

   
  Complaint: 18016616
  
  I am rejecting this response because: Im still waiting for the remaining balance in the amount of $8,323.87. I spoke with the repair shop in person on 9/8. They assured me that the money was already sent back to Clearcover. I was finally able to speak with my assigned estimator on 9/13 and informed him the money had been sent back the previous week on 9/7 or 9/8. He informed me that it takes about 5 business days for you all to get the money back to your accounting department. I called again this week on 9/19 and spoke with him again. He said he wasnt sure if it was received by your accounting department but would email his supervisor to get confirmation and report back to me. It is now almost Friday 9/23 and I havent heard back. This has dragged on way too long and Ive been extremely patient since the start of this entire process. Its been two weeks since the money was sent back to Clearcover. It doesnt take this long and certainly doesnt take this long for an ACH transfer. 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 09/27/2022

  Per our conversation of September 23, 2022 with you, we have not received the check from the shop. Weve requested again that the shop provide us payment as soon as possible so that we may credit the payment to your claim file. 
  

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

  Customer Answer

  Date: 10/04/2022

   
  Complaint: 18016616
  
  I stated the incorrect amount owed in my original complaint. The total amount should be $8,623.87. I spoke with someone from Clearcover today and hes going to check with the accounting department and mail department to check if money has been received from the repair shop. I was assured by the repair shop that the check was put in the mail last Monday on 9/26 and I understand it takes a few days to be received. If I dont hear back from Clearcover by the end of the week I will reach out again. 
  
  Sincerely,

  
  *********************

• Initial Complaint

  Date:08/06/2022

  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.

  My son was in a terrible accident and the car was totaled, the person who caused the accident was insured by Allstate. Allstate took responsibility, paid us for the car, medical expenses, etc. I called my own insurance company, ClearCover to cancel the insurance on this one car (1 of 4 cars we have insured with them), they said they would do that. A month later,..and ClearCover still has not cancelled my policy. I have called, emailed, chatted, etc for endless hours. I get different reps and different stories. Yesterday the ClearCover rep said I was not allowed to cancel the car policy??? I outright own the car and Allstate has deemed it totaled. I have emailed documentation to ClearCover. The ClearCover agents do not have email, so all my emails with the documentation are going to ********************************** Sadly, I keep calling and chatting and asking for a supervisor to call me. It is unethical for a company to not cancel a policy upon request and with all the documentation. I have spent more time and energy with my insurance company trying to cancel, then with the other insurance company. The car was totaled on 6/22/22; I called on 6/25/22 to request the policy be canceled. I was told it would be done and the prorated amount refunded to me on the same car I paid with. I paid for a 6 mo policy on 4/29/22. I am requesting ClearCover cancel and backdate the cancellation 6/25/22 when I originally requested it for the Jeep TrailHawk. I have attached the supporting documentation from AllState that deemed the car a complete loss.

  

  Business Response

  Date: 08/10/2022

  Thank you for this opportunity to address your concern.  A member of our customer support team has removed the vehicle from your policy and sent you a refund. 
  
  If you have any questions,  please contact us at  **********************************
  
  

  Customer Answer

  Date: 08/15/2022

   
  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:08/03/2022

  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 have had this insurance for a while now and they just now stopped responding to me. The agent that got me in will not call me back. Or text. They raised my price and put me in auto pay without my consent. And now will not resolve the issue. I have emailed and got a response only about my payment failed and then it went through. They keep auto texting me with I need to pay again or I will be canceled. I have taken all measurements to resolve this before.

  

  Business Response

  Date: 08/05/2022

  Thank you for this opportunity to address your concern.  A member of our customer support team has reached out to you to resolve your payment issue.  
  
  If you have any questions,  please contact us at  **********************************
  

• Initial Complaint

  Date:07/14/2022

  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.

  I was in an auto accident on 6/12/2022 that resulted in damage to my car and an airbag deployment. The auto shop retrieved my car the next day. On 6/14/22, I spoke with my adjuster and he said that he would have the appraiser appraise the damage the following day. The following week I heard from my shop that the appraiser had never visited the shop. I again spoke with my appraiser and he said it would be done within the next couple of days. Appraiser still didn't show up. At that point, I spoke with the adjuster about my rental, as I only had 30 days and the appraisal was not done. He said we'd cross that bridge once he received the appraisal. After 2.5 weeks I was assigned a different adjuster. I again spoke about both the appraisal and the rental and he brushed off my concerns.It is now 32 days after the accident. I still do not have a full appraisal. Clearcover has accepted my shop's external appraisal which only covers the body damage. It does not include anything inside the engine compartment, nor the airbag deployment. I have spoken with Clearcover around 10 times. Repair has not begun on my car since the shop STILL doesn't have a full appraisal. I have now been told that contractually speaking I'm only entitled to 30 days of rental and I must now pay on my own.Basically, Clearcover has not done its job in getting the damage appraised for more than ********************** to pay for car rental on my own, despite their negligence. I've been told that perhaps there's a delay with the appraiser. I'm in ***********, not some small town.I need help.

  

  Business Response

  Date: 07/21/2022

  Thank you for this opportunity to address your concern.  A review of the handling of this matter has determined that you have received the maximum allowed by the policy.  
   If you have any questions,  please contact us at  *********************************. 
  

  Customer Answer

  Date: 07/22/2022

   
  Complaint: 17567280
  
  I am rejecting this response because: It took Clearcover over 30 days to declare my car a total loss.  This was due to repeated miscommunications between the appraiser and the adjuster, as well as general incompetency by the original adjuster.  I'd like my rental covered from day 31 until the day after I was informed of the total loss.  The total loss declaration should have taken no longer than a week to begin with.
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 08/01/2022

  Thank you for this opportunity to address your concern.  
  
  We have reviewed our handling of this matter.  This was a complex repair.  It was not until your shop tore down the vehicle that it was determined to be a total loss.  We have paid the maximum allowed by your policy.  
   If you have any questions,  please contact us at  *********************************. 
  

  Customer Answer

  Date: 08/03/2022

   
  Complaint: 17567280
  
  I am rejecting this response because: your response is factually inaccurate.  Your appraisers failed to inspect my vehicle on numerous occasions.  If they had done so on time, we would not have this problem.  I'd like to be reimbursed for my car rental as stated before.

   

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

• Initial Complaint

  Date:07/13/2022

  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.

  Insurance Policy #*****A00036957-00 Referral Claim # ****** On March 22, 2022 I went to my Tesla dealer to get my windshield fixed. I had already submitted a claim and was told by Clearcover that I would need to send my Tesla receipt to the following email: ********************************* with my home address, copy of invoice, and state "Policy Holder Reimbursement." We are already in July and I still have not gotten my reimbursement check of $876.78. I've made numerous intents of sending emails and calling Clearcover and I just get transferred from one department to another.

  

  Business Response

  Date: 07/21/2022

  Thank you for this opportunity to address your concern.  The claim payment you requested has been sent to you.  
   If you have any questions,  please contact us at  *********************************.