Is Certainly Car Insurance Legit? Unveiling the Truth Behind the Brand

by
Is Certainly Car Insurance Legit?
Is Certainly Car Insurance Legit?

Certainly Car Insurance stands out as a crucial investment for safeguarding both yourself and your vehicle.

However, given the plethora of choices, determining the most suitable option can be challenging.

Moreover, ensuring the reliability and trustworthiness of the chosen insurance provider adds an extra layer of complexity.

This piece delves into Certainly Car Insurance, an emerging online-exclusive brand supported by Liberty Mutual, a renowned and sizable insurance company in the United States.

We will examine the history, features, benefits, and drawbacks of Certainly Car Insurance and help you decide if it is a legitimate option for your car insurance needs.

Contents show

History of Certainly Car Insurance

Certainly Car Insurance, introduced in 2021, represents a digital-exclusive insurance brand that delivers cost-effective, customizable, and dependable coverage across auto, renters, small businesses, and workers’ compensation insurance.

As a component of the Liberty Mutual Group, a prominent figure in the insurance industry since 1912 with a customer base exceeding 45 million globally, Certainly Car Insurance brings a legacy of experience and reliability.

The brand strives to streamline the insurance experience by presenting a user-friendly online quoting system, self-service tools, and round-the-clock online claims and support.

Furthermore, it asserts its commitment to providing competitive rates and adaptable coverage options that accommodate various budgets and lifestyles.

Table of Contacts of Certainly Car Insurance

To get in touch with Certainly Car Insurance, you have several communication options:

Contact Method Details
Phone Call 1-800-295-2820 from Monday to Friday, 8 a.m. to 8 p.m. Eastern Time.
Email Reach out via email at support@getcertainly.com.
Website Visit the official website at www.getcertainly.com.
Mail Send correspondence to Certainly Insurance, P.O. Box 55934, Boston, MA 02205-5934.

 

Certainly Car Insurance Regulatory Compliance

Certainly Car Insurance, being a component of the Liberty Mutual Group, operates under the licensing and regulatory oversight of state insurance departments across the United States.

It adheres to the specific laws and regulations of each state in which it conducts business and undergoes routine audits and examinations conducted by regulatory authorities.

Furthermore, Certainly Car Insurance holds accreditation from the Better Business Bureau (BBB) and has earned an A+ rating.

This rating signifies compliance with the BBB’s standards for trustworthiness, honesty, transparency, and responsiveness.

Certainly Car Insurance Customer Reviews and Testimonials

Certainly Car Insurance has garnered predominantly positive feedback from its customers who value its convenience, affordability, and dependability.

On Trustpilot, it boasts a 4.5 out of 5 rating from over 1,000 reviews, with 86% of reviewers rating it as excellent or great.

Users commend its straightforward and rapid online processes, amicable and supportive customer service, as well as its extensive and adaptable coverage.

However, a subset of customers has voiced discontent with certain aspects of Certainly Car Insurance, including its limited availability, perceived absence of discounts, and high deductibles.

Some clients have raised concerns about delays, inaccuracies, or denials in their claims, along with challenges in modifying or canceling their policies.

Certainly Car Insurance Financial Stability

A crucial factor to contemplate when selecting an insurance company is its financial robustness, indicative of its capacity to fulfill claims and meet financial commitments.

Fortunately, Certainly Car Insurance draws upon the financial stability and esteemed reputation of its parent company, Liberty Mutual, recognized as one of the largest and financially sound insurance companies in the United States.

Liberty Mutual boasts an A rating from A.M. Best, an A2 rating from Moody’s, and an A rating from S&P Global – all regarded as robust and stable ratings according to industry standards.

Additionally, Liberty Mutual maintains a substantial and diversified portfolio encompassing assets, revenues, and a broad customer base, mitigating its exposure to various risks and uncertainties.

Certainly Car Insurance Claim Process 

  1. Online Filing:
  2. Required Information:
    • Provide essential details about yourself, your policy, and the incident.
    • Include specifics such as date, time, location, and incident details.
    • Furnish names and contact information for involved parties or witnesses.
  3. Supporting Documents:
    • Submit supporting evidence like photos, videos, police reports, or medical bills.
    • Aid in validating your claim and supporting the assessment process.
  4. Confirmation and Tracking:
  5. Claims Representative Assignment:
  6. Assessment and Actions:
    • Depending on claim type and severity, arrange for damage estimates or inspections.
    • Facilitate repair or replacement arrangements, and address additional needs like rental cars.
  7. Settlement Determination:
    • Your claims representative assesses settlement based on policy limits, deductibles, and relevant factors.
    • Timely issuance of payment, typically within days or weeks, contingent on delivery method and claim complexity.

Cautions and Signs of Fraud with Certainly Car Insurance

Exercise caution and diligence while using Certainly Car Insurance, as with any online service, to steer clear of potential fraud or scams.

Recognize these common indicators:

  1. Unsolicited Contact:
    • Be wary of unsolicited calls, emails, or texts supposedly from Certainly Car Insurance.
    • Exercise caution if asked for personal or financial information, or if offered refunds, discounts, or prizes unexpectedly.
  2. Payment Requests:
    • Be cautious if urged to pay premiums or claims through unconventional methods like wire transfers, prepaid cards, gift cards, or cryptocurrencies.
    • Refrain from sending money to third parties or different accounts.
  3. Beware of Impersonation:
    • Stay vigilant against fake or spoofed websites, emails, or phone numbers resembling Certainly Car Insurance.
    • Scrutinize for spelling errors, grammatical mistakes, or suspicious links and attachments.
  4. Skeptical Offers or Promotions:
    • Exercise caution with offers or promotions that seem too good to be true.
    • Be wary of demands for swift actions, urgent responses, fees, or requests for sensitive information.

If any of these signs arise or if you suspect fraud, promptly report it to Certainly Car Insurance, local authorities, and the BBB.

Regularly check credit reports and bank statements, and monitor online accounts and passwords for any unauthorized or suspicious activity.

Pros and Cons of Certainly Car Insurance

Pros of Certainly Car Insurance:

  1. Convenience:
    • Obtain quotes, purchase policies, manage accounts, and file claims online.
    • Access policy documents and ID cards anytime, anywhere through the website or mobile app.
  2. Affordability:
    • Competitive rates and flexible coverage options.
    • Tailor coverage, deductible, and payment plans to suit individual budgets.
    • Potential savings by bundling car insurance with other policies.
  3. Reliability:
    • Backed by Liberty Mutual’s financial strength and longstanding reputation.
    • Liberty Mutual holds strong ratings from major agencies, confirming its ability to fulfill obligations.

Cons of Certainly Car Insurance:

  1. Availability:
    • Limited availability across states, with varying rates and discounts.
    • Alternatives may offer better deals depending on factors like location, driving history, and vehicle type.
  2. Customer Service:
    • Primarily relies on online platforms, potentially less ideal for some customers.
    • Reports of delays, errors, or denials in claims, along with challenges in policy modifications or cancellations.
  3. Coverage:
    • Offers basic and standard coverage; may lack some optional coverage provided by other insurers.
    • Limited options such as roadside assistance, rental car reimbursement, gap insurance, or accident forgiveness.

FAQs

What is Certainly Auto Insurance and how does it work?

    • Certainly, Auto Insurance is an online-only brand offering policies underwritten by Liberty Mutual.
    • It provides affordable, customizable, and reliable coverage for auto, renters, small business, and workers’ compensation insurance.
    • Online processes include obtaining quotes, purchasing policies, managing accounts, and filing claims.

What are the benefits of choosing Certainly Car Insurance?

      • Convenience:
        • Access policy documents and ID cards anytime, anywhere through the website or mobile app.
        • Utilize user-friendly self-service tools for support or claim filing.
      • Affordability:
        • Customize coverage, deductible, and payment plans.
        • Potential savings by bundling Auto insurance with other policies.
      • Reliability:
        • Backed by Liberty Mutual’s financial strength since 1912 with strong ratings.

What are the drawbacks of choosing Certainly Auto Insurance?

    • Availability:
      • Limited availability across states; rates may not be optimal for everyone.
    • Customer Service:
      • Primarily relies on online platforms; reported delays, errors, or challenges in policy management.
    • Coverage:
      • Basic coverage; lacks some optional features provided by other insurers.

How do I get a quote from Certainly Auto Insurance?

    • Obtain a quote online through the website or mobile app.
    • Provide basic information about yourself, your vehicle, and your driving history.
    • Customize policy details, view the price, and compare with other options.

How do I file a claim with Certainly Auto Insurance?

    • File a claim online, through the website or mobile app, or by calling the toll-free number.
    • Provide incident details and submit supporting documents.
    • Receive a claim number for tracking and get assigned a claims representative.
    • Follow through with estimation, repairs, and settlement based on policy factors, with payment issued promptly.

 

Spread the love