Clearcover

I have been a Clear Cover customer for years, and very recently got into an accident. Destiny Melton treated me horribly and was extremely unhelpful after my accident. She was condescending to me and made my entire accident experience much worse.

Hello, my name is Joyce, and I'm located in GA. In May of 2025, I went online looking for affordable insurance to put the car I just purchased on the road until I could switch to another insurance company when I had the money. I opted for roadside and collision coverage, because, given the challenging driving conditions in GA, I figured this would be sufficient until I get paid in two weeks.

Two weeks after getting my car, someone attempted to steal it from my residence. I followed the necessary steps: I called the police, then went to Clearcover's website and filed a report. It was 12:30 am, so I filed online and went to their roadside assistance website and chose a garage to have my car towed to until the morning to keep it safe, because the window was broken.

The next day, I called the number to the garage, Quality First Auto Sales, located at 5703 Covington HWY in Decatur, GA. The number I got off the insurance website was disconnected, which was the first sign something was not right. Then I called the insurance company and told them the number was disconnected; they gave me an entirely different name for the garage—Shop Boys Auto Repair—at the same location but with a different number. When I called that number and got no answer, I took it as a second sign that something was wrong.

I finally went over to the location and immediately panicked; this was NOT an auto repair shop but a dirt parking lot with used, worn-out cars, another building with a barber shop and a hair salon, and in the back, more scrap cars that were fenced in and belonged to another owner. I explained why I was there and that my car was towed there earlier that morning because someone had attempted to steal it, and I had found their garage through my insurance company's website. They told me the shop was not named Shop Boys Auto Repair anymore, and they did not have my car.

In a panic, I said they had to have my car there as it was sent there; they told me my car was not there and to contact my insurance. They looked very suspicious and did not seem to care. I called Clearcover and explained that my car was missing. They did not seem to care, kept telling me the car was there, parked next to a white F1 Ford pickup. I explained that I saw the truck but my car was not there; they gave me the runaround for about two hours. Frustrated, I told them I was going to sue them if they did not find my car. They lied and said they spoke to the owner of the shop and he would meet us in 5 minutes. He never showed. I left and went home, and two hours later, the police called me and told me they found my car 4 miles away from the location it was supposed to be towed to.

Now, Clearcover will not answer my calls because the car was written off since I only had basic coverage, and I cannot find out who the owner of the shop is. I didn't have any money to retrieve my car from the wrecking yard, so they auctioned off my car, and now I can't file a claim against the shop for negligence because they don't know who the garage owner is. How is that possible? They have them listed as part of their roadside assistance program for their customers. I lost my car, which I had only had for three weeks and paid for in full at $9,000, and now it's been auctioned off. I want my money for my car and for whatever they auctioned it for. Clearcover has been giving me the runaround since May. I'm mad, disappointed in myself for choosing this insurance company. Do not use this company; they are incompetent.

These individuals are unreachable! My wife had a pretty serious accident on April 14, 2025, two weeks ago today. We filed our claim immediately after the accident and provided them with everything the representative requested by email: police report—the other driver was cited for refusing to yield; proof of ownership; a recorded statement from my wife. Since then, we have yet to connect with our claims representative. She claims to have called my wife a few times and says she doesn't respond to emails, only texts and voicemails. We've made many attempts to reach her by phone. All attempts to actually speak with her have been futile.

After two weeks of trying unsuccessfully to connect with our so-called claims representative, we've heard nothing about the status of our claim. These people are a textbook example of "You get what you pay for."

Since this is almost certainly going to end up in a courtroom, we've retained an attorney. We're immediately going back to Allstate.

CA resident here. They increased my policy and my mileage without notification. I work from home and drive maybe 2 miles a day. I am now required to pay 6 months upfront. It seems like they're trying to force CA customers out, as you can no longer get a new policy with them. When I asked for autopay to be removed so I can look around, I was told it was removed. Checked today and it is still on. Another chat representative said they can't remove it, only to tell me never mind that they manually did it. I sent the screenshot that it shows active and will draft, and they took forever to respond. However, I asked to cancel and they responded within seconds. I really liked them before, but their quality has definitely decreased.

I had Clearcover insurance for two years; my wife hit a deer, and we needed to file a claim. We took pictures to send in for the damages as they do not send anyone out to look at your vehicle. Then, you submit the claim, and they send you a check for what they think will cover the damages. However, when the body shop starts working on the vehicle and sees that they will need additional funds to cover the damage, they want to negotiate the amount of money they think they should receive. In the end, the adjuster, Alex Sharman, refused to pay the full amount. The body shop would not release the vehicle until I paid the difference. Clearcover also makes you pay for the rental car, and they will reimburse you. I had a rental car that was not comparable to what I had coverage for, so it was under the amount of rental coverage that I had on my vehicle, and they refused to reimburse me for the amount I spent on the rental car. I called five or six body shops in my area before I could find someone to take Clearcover insurance; now I understand why they will not accept Clearcover. Clearcover is a six-month policy, and every six months, they increased the rate by $200 to $300. I canceled this policy and I would not recommend Clearcover insurance. Thank you, Mike.

"So I've had Clearcover for roughly three years and never had an issue, thankfully, until recently. They canceled my policy and only sent me an email. No letter in the mail or phone call, so I've been driving almost a month without insurance and had no idea. I finally got ahold of someone who represents Clearcover and after being put on hold multiple times, he tells me they canceled it because my history came back with either a serious wreck or conviction. I asked what exactly it was, and he had a hard time finding out. Eventually, he tells me that I have reckless driving on my record from two years prior. This was a big shock to me since I don't recall ever being charged with that. So I looked into it myself and all that's on my record is a failure to use a turn signal, not reckless driving. The Clearcover representative told me he would consider that reckless driving himself. So, never mind what's on my driving record, let's just add some other things to it and then cancel. This has probably been the most absurd company I've ever dealt with, period. I wish I had read the reviews before dealing with all this nonsense. Pay a bit extra and go with someone else, folks. This company really isn't worth saving a bit of money.

Not a customer, but a victim. A Clearcover client turned left into my truck without warning. The driver admitted fault at the scene, and the police report found that driver at fault. I provided Clearcover with the police report. They lost it. I sent the next one by registered mail. Four weeks later, Clearcover finally admitted their client was at fault. At that point, they offered a rental car, but the rental company had no record of the reservation. After several attempts, I gave up on the rental. Six weeks after the accident, their adjuster finally made an offer, less than half the replacement cost. They asked me to find comparable vehicles for sale in my area, and I sent them photos and contact information for six vehicles, the least expensive of which was more than twice their offer. They stuck with their offer, apparently based on the NADA Blue Book figure for fair condition. I finally let my lawyer handle it (I should have done that from the beginning). The whole mess is finally over, but if you have to deal with Clearcover in any way, call your lawyer first!

I would give them zero stars if I could. We attempted to add my fiancé's vehicle to my policy, which was initially added and payment was deducted immediately, only to find out I couldn't add him because we're not married. He would have to get his own policy; however, they aren't currently writing new policies in my state—therefore, they couldn't insure him. Furthermore, it prompted an audit of my other vehicles that are insured to ensure ownership. What a joke! Never have I had to jump through so many hoops to keep my car insurance. Based on the other reviews, I had better hope I never need to file a claim. Pay a little extra and go elsewhere.

This is the worst insurance company I have ever seen, let alone been a customer of. DO NOT USE THIS COMPANY. My car has been at the body shop for eight weeks now, and the body shop can't go forward because of one excuse after another as to why they haven't approved my claim. They tried to pay $2,500 for a claim that is $19,000. Every time you call, you will get a different person. It's like a facade for an insurance company and could potentially be a scam. I'm suing to find out. This is the first claim I have ever made, and I've been driving for 34 years. I didn't expect this. GO ANYWHERE ELSE FOR INSURANCE, trust me.

They do not pay claims. Beware! They offer lower prices because they do not pay claims. This company creates loopholes in policies to prevent people from being able to get a fair settlement.

Worst experience ever with them; I had their service for 3 years with multiple cars on the policy, and the first time I ever used it for something other than towing, my claim gets denied. Their reason was that I had moved to a new state about two weeks before the accident and didn't report it to them. My truck was totaled and worth about $20,000, yet I received nothing from them besides a rushed phone call saying my claim was denied and they had to go because someone else was waiting for their call.

The ABSOLUTE worst company I have ever used. They are committing fraud and there will be a class action suit filed very soon.

They will send you a "survey" every years as a way to badger you ask for all kinds of insane documentation. They do not send the survey certified or with a carrier that requires a signature. They will not email you the survey, text you its on its way or alert you to anything via the app.

If for any reason you don't return the survey they then send you a letter telling you your policy has been terminated. They then force you to no longer pay each month but to pay for the remainder of the policy months in advance.

Report them, review them, and run if you aren't already a customer.

If I could give clear cover a negative zero star, I would. Do not ever trust this insurance company!!! I had full coverage on my Cadillac of which was worth 25k on the low end. On July 3, 2022 I hit a large animal on I-30 due to the animal not being able to cross the highway due to concrete barriers. I was also nighttime. There was no way to avoid this animal without putting my children and my life in jeopardy. Fast forward to late August 2022 after I had called over 100 times, sent emails, had my call escalated several times, I got very aggressive with this matter. Fast forward more to October 2022. Clearcover finally goes to the Cadillac dealership to assess the damages to deny my claim very late October. As a result of this my financial stability is no longer stable. The car sustained over 21k in damages to car that was only owed 27k for the note. The car should have been a total loss. They first tried to say our premium was late, lie. So after going round and round with them they denied my claim. I’m still currently to date paying for a loaner out of my pocket as well as dulled out over 10k in cash to try and get my car fixed. This place should not be in business. I tried to no avail to get correspondence with anyone. The adjuster said there was just normal wear and tear. Car was purchased in Dec of 2021 and drove literally for 6mos. Car passed a 10point inspection at the time of purchase. I’ve never had a wreck, nothing on my record in regards to horrible driver, nothing. This IS THE ABSOLUTE WORST EXPERIENCE I HAVE EVER HAD TO-DATE AND ALSO IN A FINANCIAL DISASTER DUE TO THEIR LACK OF INSURING IN GOOD FAITH! BE AWARE. DO YOUR RESEARCH THEY HAVE BEEN SUED TIME AND TIME AGAIN FOR THIS!!

You get what you pay for. I went to Clearcover due to my rates contiuously rising with Geico with little explanation as to why. All needed actions for Clearcover can be done electronically. You can call to speak to a rep if needed. I am only giving two stars due to the handling of my accident. I hit a deer on the way home early one morning. I had to report the incident through the app which involved answering questions about the incident and upload photos of identification and damages. I didn't hear from an agent for a few days, the app kept showing the report untouched. Calling did not connect me to an agent. I had to wait a little over a week for an agent to contact me to tell me an adjuster had approved for me to get the car fixed. Clearcover gave their own estimte for the cost of damage based on the photos and I had to submit that to the body shop. Clearcover sent me a direct payment of the estimated cost minus my deductible and if further damage was found, they informed me, they would pay the shop directly. I was informed I must pay for my rental out of pocket and Clearcover will reimburse me $50 day upon receipt of the invoice and they will only pay for the length of time the rental is estimated to be needed per their estimation. I was approved for 2 days of rental, however, after the shop removed the bumper it found more damage. I only found this out due to me calling the shop after they had it for 4 days to see when it would be fixed. The shop rep stated they submitted the found damages to Clearcover 4 days age and had not heard from them whether they could proceed. I had to call Clearcover and ask for an update concerning the new request. After contacting the insurance company, I receive a call from the body shop the following day to tell me repair has been approved. The shop is telling me the car will not be fixed for another week. I reached out to Clearcover to discuss the rental via email and received a response that they will be reaching out to the shop directly to see how long the repair will take and that they will only cover the additional days if it's found that it's Clearcovers fault that there is a delay on the repair. So I'm not sure if they will cover the rental. They do not send updates and when they do respond its so vague you really aren't given a direct answer. Once this is all over, I will be canceling my policya and will shop for a more customer friendly insurance company.

Don’t ever use this insurance company they are horrible. I did a claim through them and it was the worst experience ever. They will lie to you and they will not get your claim done in a timely manner. I got hit on January 24th it is March 7th and I still have no car or money. They told me to get a rental witch I did and they claim there is a special rate for going though hertz witch there isn’t they Also want you to pay for it out of pocket and take 2 weeks to issue a reimbursement. Once they deemed my car a total loss they refuse to pay for anymore days of rental. It’s been about a week since my car was deemed a total loss and they still haven’t paid me back. Whatever you do do not use this insurance company. They are based in Chicago so woth them being there and I’m in Oklahoma it slows the process down so much. If you can go with all state they are a much better insurance company