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Insurance

COVID-19 Relief Information

By April 29, 2020 May 8th, 2020 No Comments

To ease the financial burden that many individuals and businesses are facing due to COVID-19, most Insurance Carriers have implemented various programs to assist their customers.  Below is a list of carriers with information and links.  PLEASE NOTE … This is not all-encompassing and subject to State Insurance Regulators. This list is changing often and we will make every attempt to keep this up to date and accurate but please verify through the links attached to the carrier’s name or contact your carrier directly.

AAA

Auto policies that are in effect as of April 30, 2020 will receive financial relief totaling 20% of their policy premium for the months of April and May 2020. Refunds will be processed as soon as regulatory approval is received in each respective state. Insurance customers do not need to take any action as their savings will be refunded in a one-time premium credit or check, depending on the policy administrative system. Customers can expect to receive their refund by May 31, 2020, pending regulatory approval.

In addition to relief packages, AAA will provide free roadside assistance to doctors, nurses, police, firefighters and paramedics even if they are not a member. Service will help those on the frontline if they have a vehicle breakdown, flat tire, dead battery or run out of gas. For assistance call 1-800-400-4222

AAA is pausing cancellations for auto policies due to non-payment through May 31, 2020. They also offer financial assistance options.

ACUITY

Auto policies that are in effect as of April 30, 2020 will receive financial relief totaling 20% of their policy premium for the months of April and May 2020. Refunds will be processed as soon as regulatory approval is received in each respective state. Insurance customers do not need to take any action as their savings will be refunded in a one-time premium credit or check, depending on the policy administrative system. Customers can expect to receive their refund by May 31, 2020, pending regulatory approval.

AMERICAN MODERN INSURANCE GROUP

We’re committed to helping those experiencing hardships. Contact our Customer Service Center to discuss payment options.

BERKSHIRE HATHAWAY GUARD INSURANCE COMPANIES

As of March 27, 2020, we have added a 30 day grace period for non-payment of premium and will allow up to an additional 15 days for receipt of payment, and we will not be assessing late fees during this time. As circumstances develop over the next few weeks, we will revisit and adjust this timing as needed. We will also continue to comply with any directives issued by state departments of insurance on billing issues. If you are experiencing financial hardship as a result of the COVID-19 pandemic, please call us at 1-800-673-2465 to discuss billing and make alternative payment arrangements.

ENCOMPASS

Shelter-in-Place Payback. On average, personal auto insurance customers will receive 15 percent money back based on their monthly premium in April and May. Customers will receive the money back through a credit to their Encompass account, bank account or credit card on file, depending on how they make payments. Please check your payment information to make sure it is up to date. Paybacks will go customers with a policy in force as of 3/31/2020 and 4/30/2020, respectively.

Encompass auto and home insurance customers facing financial challenges can request a special payment plan that delays payments with no penalty. Please contact 1-800-262-9262 for more information.

HAGERTY

If you have been impacted by COVID-19 and are unable to pay your premium on time, please call us at +1 877-922-9701 to request a deferral of payment or discuss other billing options. You may continue to receive billing invoices and payment reminders, however, your coverage will not be interrupted due to nonpayment.

HARTFORD

We have help for personal and commercial lines customers who are having financial difficulty because of COVID-19. If you contact us directly, we will provide assistance. We will be suspending cancellations for non- payment until May 1, 2020, and we will not be assessing late fees for premiums due on or before May 1, 2020. We hope this grace period will help give you the breathing room you need to weather this crisis. We will revisit and timely consider this suspension based on the facts and circumstances that develop over the next five weeks. We will also continue to comply with any directives issued by state departments of insurance on billing issues.

KEMPER

Kemper’s personal auto customers who have a policy in force as of April 30 will be credited 15% of their April premiums in May and customers with a policy in force as of May 31 will be credited 15% of their May premiums in June. The two premium credits will total approximately $100 million that we are returning to our policyholders, pending regulatory approval. There is no action required on your part, and the credits will be applied directly to your policy. If you have already paid your policy in full, you will receive a refund of the credited amounts.

LIBERTY MUTUAL

Personal auto insurance customers will receive a 15% refund on two months of their auto premium, based on your premium amount as of April 7, 2020. We are planning to issue the refund in the manner you made your most recent payment or by check. We will begin issuing refunds in the coming weeks, after we have approval from state insurance regulators. Your refund will happen automatically, and you do not need to call us to get your refund.

We have automatically stopped charging late fees and have temporarily paused personal auto & home coverage cancellations due to non-payment from March 23 through June 1, 2020, or later as directed by your state. We are also extending payment dates if needed. Please contact us if we can be of assistance

NATIONWIDE

CHECK STATUS OF YOUR RETURN HERE

Nationwide to offer a one-time premium refund of $50 per policy for personal auto policies active as of March 31, 2020. The refund will arrive in the next 30 days, subject to individual state regulatory approval. It will be returned to customers in the last form of payment they have made, whether electronic or paper.

Hardship support – If a customer is experiencing hardship due to COVID-19, we can suspend the cancellation of some policies, defer payment deadlines, and waive some late fees. Home and auto customers can contact us at 877-669-6877, and business customers can reach us at 888-508-8622.

Pausing collections for our members through June 30: In response to the financial impacts of many Americans due to COVID-19, Nationwide has paused its CL and PL internal and external collection efforts through June 30. During this time, the premium is still owed, but Nationwide won’t actively pursue collections and we won’t report collections to the credit bureaus.

PROGRESSIVE

If you have an active personal auto policy at the end of April, you’ll receive a credit for 20% of your April premium. We’ll offer the same 20% credit to active personal auto customers at the end of May, and we may offer additional credits in the upcoming months.There’s nothing you need to do. We’ll automatically calculate your credit at the end of each month, and then you’ll see it reflected in your account within a few weeks. If you have a balance on your policy, we’ll apply the credit directly to your remaining

SAFECO

Personal auto insurance customers will receive a 15% refund on two months of their auto premium, based on your premium amount as of April 7, 2020. Plans for the refund will be in the manner you mde your most recent payment or by check. These refunds will begin in the coming weeks (after approval from state insurance regulators). This will be automatic and you will not need to do anything.

Payment Flexibility options. Safeco has automatically stopped charging late fees and temporarily paused personal auto and home coverage cancellations due to non-payment from March 23 through June 1, 2020 or laster as directed by your state. They are also extending payment dates if needed. Please call Safeco to discuss your situation.

TRAVELERS

Stay-at-Home Auto Premium Credit Program, which will automatically give you a 15% credit on your April and May premiums. And the best part: You don’t need to do anything. If you pay by monthly installments, you will receive the automatic credit on future bills. If you have already paid in full, you will receive a direct payment

Providing billing relief for all U.S. customers, including suspending cancellation and nonrenewal of coverage due to nonpayment through June 15, 2020 (no interest, late fees or penalties will be charged).

UNIVERSAL PROPERTY & CASUALTY

When applicable, provide a 30-day grace period for the expected cancel effective date; unless otherwise required by your respective state’s department of insurance.  Waiving all penalties/feese relating to late payments. Waiving any reinstatement fees relating to late payments.

 

When requested, offering premium install plans. Allowing additional time to perform certain duties.