Find answers fast — or contact us directly. We’re here to help, not hide behind fine print.
We’ve grouped common questions by topic. Click any question to expand the answer.
Visit our Sign Up page and fill out the simple 3-minute form. You’ll receive a personalized quote instantly — no phone call or email required.
You’ll need: driver’s license(s), vehicle registration or VIN, current insurance declaration page (if applicable), and details about recent accidents or tickets (past 5 years).
Yes. We’ll help you cancel your old policy (often with a prorated refund) and activate yours the same day — no lapse in coverage.
Liability covers damage/injury you cause to others. Full coverage = liability + collision + comprehensive (your car’s repairs too). Required for leased/financed vehicles.
Standard policies do not. But we offer a Rideshare Endorsement that covers all periods — personal use, app-on/waiting, and passenger trips.
If you carry collision & comprehensive, most policies extend that coverage to short-term rentals in the U.S. (for personal use). We also offer optional Rental Reimbursement.
Call +1 (415) 406 7667 anytime, use our mobile app, or log in to your online account. A dedicated rep will guide you through every step.
Minor claims (e.g., fender benders) are often settled in 24–48 hours. Complex claims get regular updates, with most resolved within 7–10 business days.
For accidents involving injuries, hit-and-runs, or significant damage — yes. For minor incidents (e.g., parking lot dings), a report isn’t always required, but helpful.
Yes — choose monthly, quarterly, semi-annual, or annual payments. Auto-pay gives you a 5% discount.
We send reminders 7 and 3 days before due date. You have a 10-day grace period. After that, coverage may lapse — but we’ll work with you to reinstate quickly.
Log in to your online portal or call us. Adding/removing drivers, vehicles, or updating garaging address takes minutes — and may even lower your rate!