Filing and Tracking Claims with Clearcover

Written by Team Clearcover

A More Convenient Claims Experience

Accidents suck. The last thing anyone wants to do after an incident is play a ton of phone tag to work through the logistics of an insurance claim. Unfortunately, drivers with traditional insurers often find themselves out of the loop once they file a claim with their insurance companies. We made our claims process as fast and easy as possible, so you can file, track, and access your claims at any time, get paid fast, and be back on the road as soon as possible. 

Crazy-Fast Claims

The fastest, easiest way to file and track your claim is through your Clearcover app—you can file a claim in as little as four minutes. And because filing in the app leads to quicker processing, your issue will often be resolved faster. 

When you file a claim through the Clearcover app, the Claims Center will move you smoothly through our 5-step claims process. Once you answer a few easy questions and snap some pictures, we’ll start the claims process immediately. You’ll then be able to track its progress 24/7 in the app. 

Getting Paid with Clear Claims™ 

And when it comes to getting paid, Clear Claims™—powered by our machine learning model, ClearAI®—instantly validates coverage and determines eligibility for expedited payment, i.e., you get paid fast. Thanks to Clear Claims™, eligible claims can be paid in under a week, and the simplest claims are eligible for same-day processing. (Our current record is seven minutes!*)

How to File a Claim in the Clearcover Mobile App

1. Tap CLAIMS in the nav bar of your Clearcover app.

2. Tap the Get started button.

3. Answer a few questions, snap a few photos, and we’ll take it from there.

Once you have an open claim, you can track its status 24/7 in the Claims Center (where you filed your claim) and see exactly which step you’re in.

Tracking Your Claim’s Status:

1. Submission: Now that you’ve submitted your digital claim, your initial work is done! 

2. Review: During Review, we confirm that your claim is eligible for coverage and determine liability. 

3. Estimation: During Estimation, we determine how much it will cost to repair your vehicle, based on the information you provided.* (If the repair shop discovers any additional damage after estimation is complete, we will work with them directly to cover any costs.)

4. Payment: Once the estimate is complete, we’ll issue your payment. You’ll get the money as soon as possible (our current record is 7 minutes!*).

   Note: If your car is deemed a total loss during Estimation (the estimated cost of repairs exceeds the actual cash value of the car), we’ll reach out and send you some paperwork. As soon as you submit the paperwork, we’ll issue your payment!

5. Complete: Your claim is complete and you’re good to go. Safe driving! 

We’ve always got your back (and front, sides, and bumpers). 

We take a digital-first approach to car insurance to make your life easier. With the power in your hands, you save time and money by taking control of your coverage. 

If you have any additional questions, you can find a lot of great information in our Help Center. If you need support, the fastest way to get in touch with our Customer Advocates is through the live chat in your Clearcover app. Don’t have the app yet? Download it now from your mobile device.

Thanks for being a Clearcover customer—we feel honored to cover you!

*Customer Advocates are available during our business hours: Monday through Friday from 8:00am-9:00pm CT and Saturday through Sunday from 8:00am-6:30pm CT

*Payment on eligible claim was issued in 7 minutes 01/28/2021