Client help center

🚗 After an accident

1. Make sure everyone is safe and call 911 if anyone is hurt.
2. Exchange information and take photos before anyone leaves.
3. Report the claim to your insurance company.
4. In California, check whether you must file the DMV SR-1 form within 10 days.

The full step-by-step list is here: car accident checklist.

📞 Filing a claim

• Report to the insurance company first. The claims number is on your ID card, your policy and the company's website. Most claims lines answer day and night.
• Then tell us. We cannot approve or deny a claim, but we can explain the process, help you reach the adjuster and follow up for you.
• Keep everything: the claim number, the adjuster's name, photos, receipts and every letter you receive.
• Do not delay. Policies require prompt notice, and late reporting can hurt a claim.

✏️ Changing your policy

Adding or removing a vehicle or driver, a new address, a new lienholder, more coverage, or a cancellation: tell us and we will prepare it.

A change is not in effect until a licensed agent at CoverToday or your insurance company confirms it to you in writing. A voicemail, text, email or social media message does not change your coverage by itself, and neither does a message left after hours, on a weekend or on a holiday.

Need a change right away and cannot reach us? Contact your insurance company directly at the number on your policy or ID card.

💳 Payments and cancellation notices

• Your premium is paid to the insurance company or finance company, and paying on time is what keeps the policy active. Any reminder from us is a courtesy.
• Got a cancellation notice? Do not wait. Pay the company directly before the date on the notice, keep the confirmation, and call us the same day.
• If the company is asking for a document, a photo or a signature instead of money, send it to us right away.
• A gap in coverage can make your next policy more expensive, so it is worth one phone call to avoid it.

📄 Proof of insurance and certificates

• ID card or proof of insurance: call, text or email us with your name and policy number.
• Certificate of insurance for a business: send us the certificate holder's exact name and address and any wording your contract asks for.
• A certificate shows your policy as it is on that day. It does not change the policy. Additional insureds and special wording exist only when the insurance company adds them.

🤝 How we work with you

• We are an independent broker. We compare several insurance companies for you instead of selling one company's policy.
• How we are paid. Usually by a commission from the insurance company. Depending on the company, we may also charge a broker fee. We tell you the exact amount in writing before you buy.
• Your answers matter. The price and the coverage depend on what is in your application: drivers, household members, vehicles, addresses, business operations and past claims. Tell us when something changes.
• The policy is the contract. Only the policy issued by the insurance company says what is covered. Read it when it arrives and tell us if anything looks wrong.
• Calls are recorded. Calls with our agency are recorded for service quality and record keeping.

🔒 How we use your information to quote

To give you an accurate price, we and the insurance companies we quote may collect information about you and the other drivers or residents in your household from sources other than you. This can include your driving record, your insurance claims history, vehicle and property records and, where the law of your state allows it, insurance credit information. A quote does not affect your credit score.

In some cases the law allows this information to be shared with others without your prior authorization, for example with insurance companies, their service providers and insurance-support organizations, to quote, place and service your insurance. We do not sell your information.

You have the right to see the personal information we have about you and to ask us to correct it.

Read the full notice: covertoday.com/notice · Privacy policy · SMS terms

⚖️ If something goes wrong

Tell us first: (310) 299-5555 or info@covertoday.com. Most problems are a missing document or a misunderstanding, and we can usually fix them quickly.

You may also contact your state's department of insurance at any time. In California, the Department of Insurance consumer hotline is 1-800-927-4357.