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Adding & Removing Vehicles

Quick Links: 

Add Vehicle Process

Salvaged / Rebuilt / Reconstructed Title Vehicles

Add Vehicle Step-By-Step and Flow Chart

Removing a Vehicle From the Policy

Legally Registered Domestic Partner 

 

Related article - Insurable Interests and Vehicle Ownership

 

Add Vehicle Questions: 

  • Who is the registered owner of the vehicle?
  • What is the purchase date of the vehicle?
  • What day do you need the vehicle on your policy?
  • Is this vehicle replacing another vehicle on your policy?
  • What is the year, make, and model of the new vehicle?
  • What is the VIN?
  • Is this vehicle used for ridesharing such as Uber or Lyft?
  • Is this vehicle used for a delivery service such as DoorDash, Postmates, or Uber Eats?
  • Is the vehicle used primarily for pleasure, commuting, or business?
  • What are the estimated annual miles? (the average American drives 12,000 miles/year)
  • Is the vehicle leased, financed, or owned?
  • If applicable, who is the lienholder, and what is their address?
  • What coverages or deductibles would you like?

Notes:

  • For Virginia policies, we can backdate adding a newly purchased vehicle for up to 14 days
  • For all other states, we can backdate adding a newly purchased vehicle up to 30 days
  • If vehicle purchased over 30 days ask Prior Loss questions
  • For a list of ineligible vehicles please see Ineligible Vehicles Lists per State

Texas Specifics:

  • For Texas, see general criteria below & associated KB for adding ineligible vehicles:
    • Vehicle purchased within 30 days & within policy term at time of request*
    • Vehicles meeting definition of "private passenger vehicle"
    • Vehicles under 25,000 lbs
    • Vehicles not used for delivery of goods or people
    • Receipt of purchase is required

    • See this KB for the entire process: Texas Ineligible Vehicle Exception

       

      Texas Ineligible Vehicle Advocate Communication Requirement:
      Advise the insured that their vehicle may be subject to review at renewal as the vehicle does not meet our current Underwriting Guidelines.

      Texas Ineligible Vehicle Advocate Disclosure:

      “I'm happy to add this vehicle to your policy at this time. Please be advised that your policy may be reviewed at renewal and this vehicle does not meet our underwriting guidelines.”

 

Salvaged / Rebuilt / Reconstructed Title Vehicles:

We do not actively inquire about salvaged/rebuilt/reconstructed title statuses of vehicles nor do we decline to add a vehicle based on salvage status. If an agent or customer inquires about our policy regarding insuring salvaged/rebuilt/reconstructed vehicles, we kindly request that you consult the underwriting guidelines specific to the respective state. For your convenience, you may refer to the list of states below where salvaged vehicles are ineligible.

 

ArizonaCaliforniaIllinoisLouisiana
MississippiNebraskaOhioOklahoma
PennsylvaniaTexasUtahWisconsin

 

Please Note:

  • Clearcover does not offer coverage for vehicles made in 1980 or earlier! 
  • In order for the car to be added to the policy the vehicle must be registered in the PNI or PNI's spouse's name. 
  • Vehicles registered to a business, trust, or LLC are not acceptable.
  • This ensures that the policyholder has a legitimate insurable interest in the vehicle, and it helps to avoid potential fraud or misuse of insurance. 
  •  

 

Add Vehicle Step-By-Step and Flow Chart:

 

 

1. Does the policy/policyholder’s Zendesk profile note “Lead Required”?

YES: Obtain proof of ownership before adding vehicle first. 

  • Do NOT add vehicle without obtaining proof of ownership & leadership approval. 
  • Once proof of ownership is obtained, reach out for leadership approval in Global Support. 
  • Once approved, proceed to STEP #2.

NO: Proceed to STEP #2

 

2. Is vehicle currently registered in state the policy is written (or will it be within 30 days if vehicle is newly purchased)?

YES: Proceed to STEP #3

NO: Do NOT add vehicle (Ineligible)

NOTE: We can’t provide proof of coverage for vehicles not registered in state the policy is written. The policyholder would need to register vehicle in policy state & provide proof or seek other insurance. 

 

3. Is the vehicle registered solely OR co-registered to the Named Insured, their Legal Spouse, or their LEGALLY REGISTERED Domestic Partner?

YES: Proceed to STEP #4 

NO: Do NOT add vehicle (ineligible)

*** PLEASE NOTE: As of 6/4/2024 we can no longer add vehicles solely owned/registered to anyone other than the NI or their spouse, including for dependent children age 24 and under. If the dependent child is the sole registered owner of the vehicle, they will need a separate policy. 


If the dependent driver solely owns their vehicle we will need to follow these steps: 

  1. If eligible, direct them to clearcover.com to set up their own policy.
  2. If ineligible due to less than 3 years driving experience and they have an agent, direct to the agent.
  3. If ineligible due to less than 3 years driving experience and they have no agent, direct to AFI.

4. Is the vehicle used for personal use only? 

  • This means NO delivery/transport of goods or people for pay such as Grubhub, UberEats, Taxi/Limo services, etc. This does NOT include Lyft/Uber Rideshare services!

YES: Proceed to STEP #5

NO: Do NOT add vehicle (Ineligible)

 

5. Is the vehicle kept at the garaging address currently listed on policy?

YES: Proceed to STEP #6 (Skip STEP #6)

NO: Proceed to STEP #6

 

6. Is the vehicle kept with the Dependent Child of the Named Insured, their Legal Spouse, or their Legal Registered Domestic Partner who is currently either away at school or in the military but intends to return home?

YES: Proceed to STEP

NO: Do NOT add vehicle (Ineligible) 

Note: If dependent child has their own residency for school with their significant other or is married, they do NOT meet the guidelines and would need their own policy! 

 

7. Does the vehicle meet the definition of an auto as defined in the state’s policy language?

YES: Proceed to STEP #8

NO: Do NOT add vehicle (Ineligible) 

 

8.  Does the vehicle meet the underwriting criteria as outlined in the state’s underwriting guidelines?

YES: Vehicle is ELIGIBLE & proceed with adding

NO: Do NOT add vehicle (Ineligible)

 

Questions To Ask When Removing a Vehicle From the Policy:

  1. What is the year, make, and model, of the vehicle you want to remove?
  2. Can you tell me more about why you’re removing the vehicle? For example, did you sell it, was it a total loss, etc.?
  3. Will you be replacing the vehicle within the next 30 days?
  4. Would you like this change to take place today?

IMPORTANT:

  • If the vehicle being removed is the same make/model as another vehicle on the policy, advocates must have the named insured confirm the last 4 digits of the vin for the vehicle being removed! 
  • If vehicle removal request is due to a Total Loss, please make sure to see steps below. 

 

Total Loss

  • In the event of a total loss, if the customer was not sent a total loss letter from Clearcover advising them to contact us to update their policy, backdating is possible up to the day after the valuation date.
  • The total loss letter can be found in Vice/Snapsheet. Exceptions can be considered in the event of no letter. (If there is no Total Loss letter due to denial of a claim or a claim filed with another carrier, we will not backdate).
  • Make sure to ask the customer if they are currently in a rental or if it was already returned. If the insured is still in a rental, the vehicle should remain on the policy until the rental is returned.
  • See article Finding total loss date in Snapsheet/VICE for how to find the valuation date.
  • See article Backdating guidelines for more information on this process. 

* Clearcover will not make an accommodation to backdate due to the denial of a claim or claims filed with another carrier. In these instances, we must use the first notification date as the effective date of change and/or cancellation.

 

Legally Registered Domestic Partner:  To be considered a Legally Registered Domestic Partner the PNI & their partner must be registered through the state as a Domestic Partnership. We do not currently require any documentation to prove a Domestic Partnership but we want to make sure we are asking this appropriately when going through the quote flow. 

Example: "Are you and your partner legally registered as a Domestic Partnership through your state?" 

If the customer states something like "We live in the same home and have been in a partnership for X amount of years." We want to ensure we're asking probing questions to ensure they are registered in their state. 

 

 

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