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CLAIMS 101

Got two minutes? That's all it takes to learn about Claim Pay. Your Way. No, seriously.

Clever Claim Center

Claims Process

At Clever, your claim will be handled transparently and simply. Whether you've been in an auto accident, have sustained hail damage to the exterior of your home, or have experienced the untimely passing of a loved one, reporting a claim is the first step to getting things back on track.

REPORT A CLAIM INITIAL CONTACT DOCUMENTING YOUR CLAIM CLAIM CONCLUSION

Report A Claim

Report A Claim


This is the first step, and we make it easy. Simply call our 24/7 toll-free Claims Center at 1 (833) My-Clever (1-833-692-5383). Be prepared to provide information about the property that is damaged as well as what type of loss occurred. Good information to have includes: time/date of loss, other parties involved, and cause of loss. At Clever, our team will handle your life insurance claims with empathy and expertise. Life claims follow a simple three-step process: Report the claim by calling 1 (833) My-Clever (1-833-692-5383), we'll send you a packet of information; we will call you and process your claim after receiving the information back.

Initial Contact

Initial Contact


A Clever Claims Representative will contact you as soon as possible (almost always within 24 hours of receiving a claim) to verify information, ask questions, fully explain your coverage and deductible(s), and begin processing your claim.

Documenting Your Claim

Documenting Your Claim


Your Clever Claims Representative works directly with you. You’ll be informed and provided with necessary forms and lists of documents you’ll need to obtain. At the same time, we will be assessing your claim for coverage, possibly making a liability determination, and determining the amount of damage. Documentation varies depending on the type and nature of your claim. Some document examples include: an accident report, fire report, damage inspection, repair estimate, receipts; you get the picture.

Claim Conclusion

Claim Conclusion


We will give your claim a thorough and fair assessment in order to bring it to a conclusion as quickly as possible, and you’ll have access to your Clever Claims Representative from start to finish.

Clever Auto Glass Program

Auto glass repair and replacement is easy at Clever. Repairing chips as soon as possible helps prevent further spreading and plays a role in safety as well. To make a glass claim and schedule a repair or replacement, use our handy locator tool or call us at 1 (833) My-Clever (1-833-692-5383). And the best part, if you have other than collision coverage, there is no out of pocket expense to repair a chip!

Make a Glass Claim & Schedule Your Glass Repair Online

Glass Retailer Lookup

Loss Mitigation

Mitigation is just a fancy term for making something less severe. When it comes to losses, we want to help you minimize them as much as possible. Keep uncontrollable events at bay with these loss mitigation tips.

Here are some frequently asked questions from insureds like you.

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A deductible is the amount of damages that you agree you will be responsible for if you have a claim.

Most insurance policies have a deductible which states that a portion of the amount paid for the loss will be subtracted (deducted) from the amount the insurance company would otherwise pay. So, no worries about paying out-of-pocket for the deductible. Instead, it's typically taken from the overall payment by the insurance company for the loss.
Deductibles serve several functions. Shifting the cost of small claims to the person buying the insurance (a.k.a: an insured) enables the insurance company to reduce premiums (yay!). Small dollar claims often cost more to adjust and settle than the claim itself. The cost of insurance would be much higher if there were no deductibles. The higher the deductible, the lower the premium. It's that simple.
Collision and other than collision coverages are subject to a deductible. Several options are available including a reducing deductible option. With this option, your deductibles reduce by $100 for each annual loss-free period. You can find your deductible(s) on your declaration pages.
Yes, property coverages have deductibles. For example: There was damage to your personal property in the amount of $6,250. You carry a $1,000 deductible on your personal property. Therefore, your claim payment would be for $5,250. ($6,250 - $1,000 = $5,250) Check your policy information page to see what deductible(s) you have.
The right of Clever Insurance, who has paid for your loss, to pursue recovery from the third party who is responsible for your loss. This ensures that the responsible party is held accountable for their actions. We work for you to attempt to recover losses, to include returning your deductible to you when our recovery efforts are successful. We've got your back.
As property ages and becomes worn, it often loses value. The loss of value must be taken into account in order to determine the actual cash value of the property at the time of the loss. Depreciation calculation example: Let's say your flat screen tv has a normal life expectancy of 10 years. Under normal conditions, the tv could depreciate at a rate of 10 percent per year. If the tv is 3 years old with typical wear and tear, the depreciated amount is 30 percent, (10 percent x 3 years = 30 percent). The actual cash value of the tv could be determined as follows: Replacement Cost (100%) minus depreciation (30%) = Actual Cash Value (70%).
Actual Cash Value or ACV is a method of valuing insured property. Actual Cash Value is not equal to replacement cost value. ACV is computed by subtracting depreciation from replacement cost. Depreciation is the decrease in the value of property over a period of time, usually as a result of age, wear and tear, or economic obsolescence. For example, if you have ACV dwelling (home) coverage and your home is destroyed in a fire, then depreciation is deducted from your claim payment due to the age and condition of your home at the time of the loss. Another way to think about Actual Cash Value is that it is typically the amount for which property could be sold, which is generally less than what it would cost to replace it.
Replacement cost loss settlement on personal property considers the initial price tag paid for the items, regardless of any potential depreciation due to age or condition. Replacement cost on personal property is generally the most recommended option since it gets homeowners closest to their living situation before the covered loss occurred. For example, if your 5 year old flat screen TV gets damaged in a loss, your policy will pay for you to get a new flat screen, similar to what you had. It will not deduct depreciation due to its age.
If your policy provides a replacement cost settlement option, full reimbursement for replacement cost may take place in the form of two or more payments. Typically, the initial payment is for the actual cash value of the repair or replacement. Our renters policy allows you to make further claim within 180 days of the original loss settlement if you have completed the repair or replacement of the damaged property. To make the replacement cost claim, you simply need to contact your personal claims representative and provide itemized receipts for the completed repairs or replacement.
This coverage reduces your collision and other than collision deductibles as long as no claims over $250 have been paid by Clever during the 12-month period following the date the reducing deductible coverage was added. Essentially, as long as you keep your reducing deductible coverage continuously in force, we knock $100 off your deductible for each loss-free period. Your reduction becomes effective at the next renewal date following 12 months after the date the reducing deductible coverage was added, and your credit applies only up to the original deductible value. Notice that you can file claims and keep your deductible credit – the claims just can’t be over $250 a year. Pretty sweet, huh?

If Clever does end up paying for a loss (under any coverage except uninsured motor vehicle or underinsured motor vehicle) over that $250 limit, the original collision and other than collision deductibles will be reinstated at the next renewal date. And, each vehicle with the reducing deductible coverage must be individually insured as a single unit on a separate policy. If you didn't sign up for reducing deductible but decide you want it later, you can always add it to an existing policy on its renewal date.
This pays for accidental damage to your auto due to collision or upset, regardless of who is at fault, subject to the deductible.
This pays for accidental loss or damage to your auto due to natural disasters, civil commotion, vandalism, falling objects, contact with a bird or animal, glass breakage, fire and theft, subject to the deductible.
That depends! Your Clever policy will only cover you in the USA (including its territories and possessions), Puerto Rico, and Canada. If you are traveling outside of these countries, it would be best for you to purchase coverage from the country you're visiting or the rental company you are using.
Yes! If you're a Top Dog Bundler, or an auto-only member who has purchased emergency road service coverage, Clever pays for your tow. For emergency roadside service or accident scene assistance, please call 1 (833) My-Clever (1-833-692-5383), available 24 hours a day, seven days a week.
First of all, we hope everyone is okay! Call our Claim Center at 1 (833) My-Clever (1-833-692-5383) to report a claim or loss.
Here's what you need to do if you are in an accident:
  • Call the police.
  • Determine if anyone is injured, and get their names if possible.
  • Obtain the name, address, license plate number, and name of the insurance company of other drivers involved.
  • If possible, write down the names and addresses of any witnesses.
  • DO NOT admit being "at fault" or discuss your insurance coverage.
  • Notify us as soon as possible and report a claim.
  • Notify the police within 24 hours of discovery
  • Notify credit card or fund transfer card company in case of loss of a credit card
  • Notify us (1-833-My-Clever) immediately
  • Protect your property and belongings from further damage
  • Keep an accurate record personal property losses
  • Do not dispose of damaged property until we authorize disposal of it
  • Notify us (1-833-My-Clever) immediately
One of our goals is to provide you with the best experience possible. Some of our Clever claims personnel are highly trained in one specific claims discipline in order to provide you with more expertise in that area. Our four claims disciplines are auto, property, liability, and casualty. We have claims representatives who are specialized in one discipline and we also have some who are multi-line and are highly trained in all disciplines. Rest assured, no matter what the case, we will provide a professional claims handler who will work with you hand in hand through the claims process.
Each loss is unique and the wide array of possibilities that could occur requires each situation to be independently evaluated. The type of claim and the severity of damage are some factors which determine how much time is required to complete the claim investigation. Your policy of insurance lists certain conditions required which will aid us in the claims process and your assigned Clever claim professional will be able to answer any questions that you may have.
A deductible is the amount of damages that you agree you will be responsible for if you have a claim.

Most insurance policies have a deductible which states that a portion of the amount paid for the loss will be subtracted (deducted) from the amount the insurance company would otherwise pay. So, no worries about paying out-of-pocket for the deductible. Instead, it's typically taken from the overall payment by the insurance company for the loss.
Deductibles serve several functions. Shifting the cost of small claims to the person buying the insurance (a.k.a: an insured) enables the insurance company to reduce premiums (yay!). Small dollar claims often cost more to adjust and settle than the claim itself. The cost of insurance would be much higher if there were no deductibles. The higher the deductible, the lower the premium. It's that simple.
Collision and other than collision coverages are subject to a deductible. Several options are available including a reducing deductible option. With this option, your deductibles reduce by $100 for each annual loss-free period. You can find your deductible(s) on your declaration pages.
Yes, property coverages have deductibles. For example: There was damage to your personal property in the amount of $6,250. You carry a $1,000 deductible on your personal property. Therefore, your claim payment would be for $5,250. ($6,250 - $1,000 = $5,250) Check your policy information page to see what deductible(s) you have.
The right of Clever Insurance, who has paid for your loss, to pursue recovery from the third party who is responsible for your loss. This ensures that the responsible party is held accountable for their actions. We work for you to attempt to recover losses, to include returning your deductible to you when our recovery efforts are successful. We've got your back.
As property ages and becomes worn, it often loses value. The loss of value must be taken into account in order to determine the actual cash value of the property at the time of the loss. Depreciation calculation example: Let's say your flat screen tv has a normal life expectancy of 10 years. Under normal conditions, the tv could depreciate at a rate of 10 percent per year. If the tv is 3 years old with typical wear and tear, the depreciated amount is 30 percent, (10 percent x 3 years = 30 percent). The actual cash value of the tv could be determined as follows: Replacement Cost (100%) minus depreciation (30%) = Actual Cash Value (70%).
Actual Cash Value or ACV is a method of valuing insured property. Actual Cash Value is not equal to replacement cost value. ACV is computed by subtracting depreciation from replacement cost. Depreciation is the decrease in the value of property over a period of time, usually as a result of age, wear and tear, or economic obsolescence. For example, if you have ACV dwelling (home) coverage and your home is destroyed in a fire, then depreciation is deducted from your claim payment due to the age and condition of your home at the time of the loss. Another way to think about Actual Cash Value is that it is typically the amount for which property could be sold, which is generally less than what it would cost to replace it.
Replacement cost loss settlement on personal property considers the initial price tag paid for the items, regardless of any potential depreciation due to age or condition. Replacement cost on personal property is generally the most recommended option since it gets homeowners closest to their living situation before the covered loss occurred. For example, if your 5 year old flat screen TV gets damaged in a loss, your policy will pay for you to get a new flat screen, similar to what you had. It will not deduct depreciation due to its age.
If your policy provides a replacement cost settlement option, full reimbursement for replacement cost may take place in the form of two or more payments. Typically, the initial payment is for the actual cash value of the repair or replacement. Our renters policy allows you to make further claim within 180 days of the original loss settlement if you have completed the repair or replacement of the damaged property. To make the replacement cost claim, you simply need to contact your personal claims representative and provide itemized receipts for the completed repairs or replacement.
This coverage reduces your collision and other than collision deductibles as long as no claims over $250 have been paid by Clever during the 12-month period following the date the reducing deductible coverage was added. Essentially, as long as you keep your reducing deductible coverage continuously in force, we knock $100 off your deductible for each loss-free period. Your reduction becomes effective at the next renewal date following 12 months after the date the reducing deductible coverage was added, and your credit applies only up to the original deductible value. Notice that you can file claims and keep your deductible credit – the claims just can’t be over $250 a year. Pretty sweet, huh?

If Clever does end up paying for a loss (under any coverage except uninsured motor vehicle or underinsured motor vehicle) over that $250 limit, the original collision and other than collision deductibles will be reinstated at the next renewal date. And, each vehicle with the reducing deductible coverage must be individually insured as a single unit on a separate policy. If you didn't sign up for reducing deductible but decide you want it later, you can always add it to an existing policy on its renewal date.
This pays for accidental damage to your auto due to collision or upset, regardless of who is at fault, subject to the deductible.
This pays for accidental loss or damage to your auto due to natural disasters, civil commotion, vandalism, falling objects, contact with a bird or animal, glass breakage, fire and theft, subject to the deductible.
That depends! Your Clever policy will only cover you in the USA (including its territories and possessions), Puerto Rico, and Canada. If you are traveling outside of these countries, it would be best for you to purchase coverage from the country you're visiting or the rental company you are using.
Yes! If you're a Top Dog Bundler or an auto-only member who has purchased emergency road service coverage, Clever pays for your tow. For emergency roadside service or accident scene assistance, please call 1 (833) My-Clever (1-833-692-5383), available 24 hours a day, seven days a week.
First of all, we hope everyone is okay! Call our Claim Center at 1 (833) My-Clever (1-833-692-5383) to report a claim or loss.
Here's what you need to do if you are in an accident:
  • Call the police.
  • Determine if anyone is injured, and get their names if possible.
  • Obtain the name, address, license plate number, and name of the insurance company of other drivers involved.
  • If possible, write down the names and addresses of any witnesses.
  • DO NOT admit being "at fault" or discuss your insurance coverage.
  • Notify us as soon as possible and report a claim.
  • Notify the police within 24 hours of discovery
  • Notify credit card or fund transfer card company in case of loss of a credit card
  • Notify us (1-833-My-Clever) immediately
  • Protect your property and belongings from further damage
  • Keep an accurate record personal property losses
  • Do not dispose of damaged property until we authorize disposal of it
  • Notify us (1-833-My-Clever) immediately
One of our goals is to provide you with the best experience possible. Some of our Clever claims personnel are highly trained in one specific claims discipline in order to provide you with more expertise in that area. Our four claims disciplines are auto, property, liability, and casualty. We have claims representatives who are specialized in one discipline and we also have some who are multi-line and are highly trained in all disciplines. Rest assured, no matter what the case, we will provide a professional claims handler who will work with you hand in hand through the claims process.
Each loss is unique and the wide array of possibilities that could occur requires each situation to be independently evaluated. The type of claim and the severity of damage are some factors which determine how much time is required to complete the claim investigation. Your policy of insurance lists certain conditions required which will aid us in the claims process and your assigned Clever claim professional will be able to answer any questions that you may have.