Frequently Asked Questions
Below is a list of frequently asked insurance questions (FAQ).
Covered By Us is part of Confie, one of the largest privately-owned insurance agencies/brokers in the United States. Established over three decades ago, Covered By Us has locations across the US to better serve you. Our knowledgeable teams of insurance professionals are local agents who take pride in providing quality service, rates, and coverage options tailored to your individual needs. Covered By Us partners with a variety of insurance carriers to help you and your family find the right policy at the best available price through our personalized service.
You can purchase an insurance policy within minutes using your credit or debit card. You may also buy an insurance policy over the phone. Give us a call at (626) 858-0071, where one of our agents will be happy to assist you.
Paying for your insurance is easy and can be done in the following ways:
Over the phone: All you have to do is call the phone number listed on your policy information and you’ll be able to make a payment using a credit, debit, or a pre-paid card. You can also pay your insurance carrier directly by accessing your insurance carrier’s website listed on your policy.
At a local office: The accepted payment methods are credit card, debit card, check, cash, and money order. Please provide the exact amount when paying with cash or by money order.
By mail: Send your check or money order to the address listed on your policy.
Each insurance company has its own rules when it comes to overdue or late payments. Some will charge you a late fee, while others may cancel your policy immediately if a payment is not received by the due date. On the other hand, other companies may give you a short grace period (a week or month) before they cancel your policy. If you cannot make a payment on time, please contact us before the due date in order for us to review your options.
Yes, insurance is subject to State regulation. This means your State monitors companies to ensure fair pricing of insurance, protect insurance company solvency, prevent unfair practices, and ensure the availability of insurance coverage.
All states have the power to:
• Approve insurance rates.
• Periodically conduct financial examinations of insurers.
• License companies, agents, and brokers.
• Monitor and regulate claims-handling.
This also means insurance companies are required to honor the fees they charge their customers.
Generally, your insurance carrier will not cancel your policy if you are involved in an accident. When you file a claim, the carrier will carefully review your policy and driving history to confirm your policy is still valid. If your policy is affected, you will receive a notice detailing the changes approximately 30 days before the new policy takes effect.
Covered By Us works for you – our trained and licensed agents research a variety of carriers to help you find the best policy for your budget and needs. Some of the factors taken into consideration when determining the best insurance products for you include the city and state you live in, your type of vehicle or residence, age, gender, marital status, and others. These factors help the insurance carrier get an overall picture of your lifestyle to determine your risk factor, which, in turn, affects your insurance rate.
No, not all companies are able to offer the same coverage and discounts. At Covered By Us, we carefully research and partner with carriers that can provide our customers with the best coverage options and rates available. Thanks to our business partnerships, we are often able to offer lower premiums and better discounts that may not be available either through other companies or by purchasing directly from the carrier. Because our agents are professionally-licensed and trained, they know what information to include in policies, so customers have the exact coverage they need.
Insurance policies vary greatly depending on the customer’s budget and needs. Our professionally-trained agents can help you get coverage for an amount equal to the total value of your assets. This means you’ll be covered in the event of an incident without overpaying for something you may not need. Take into consideration how much are you willing to spend: If you have plenty of savings and accept having higher out-of-pocket expenses after an incident as a risk, you could choose an insurance premium with a higher deductible and a lower monthly payment. If you have limited resources and don’t want to run the risk of paying much out-of-pocket after an incident, you could choose a policy with a lower deductible and slightly higher monthly premiums.
No, all you have to do to make any changes to your policy is call us directly at (626) 858-0071 and we’ll make the changes you need.
When you fill out our online quote form, make sure all the information is entered correctly. If you need to make any changes, please contact us at 626-858-0071 to update your quote.
Nobody likes to think about being involved in an accident, but accidents do happen. Always report an accident to your insurance company, immediately, regardless of how minor it is. The sooner you report an accident, the sooner your claim can be investigated and settled.
Need more information about Medicare?
The Initial Enrollment period for Medicare is the 7-month period that begins 3 months before the month you turn 65, includes the month your turn 65, and ends 3 months after the month you turn 65. Open Enrollment allows you to add or change coverage. Original Medicare only offers you Part A and Part B. You can change from traditional Medicare to a Medicare Advantage plan (or vice versa). If you prefer Medicare Advantage, you can choose among the Medicare Advantage plans offered in your area during this period
Original Medicare includes Part A and Part B. Anyone enrolled in Medicare, will get these two parts. Below is a description of Medicare Part A and Medicare Part B, which are part of Original Medicare:
Part A: Medicare Part A is referred to as “hospital insurance” and typically covers expenses associated with inpatient hospital stays, skilled nursing, and home health care. Patients are responsible for deductibles. For most people, there are no premiums for Medicare Part A.
Part B: Medicare Part B is referred to as “medical insurance” and typically covers regular medical expenses like physician services. Patients must pay a monthly premium, meet an annual deductible and pay coinsurance.
Yes, Medicare Advantage is an alternative to Original Medicare and it is referred to as Part C. Medicare Advantage plans include Part A, Part B and usually D.
The US government has allowed private insurance carriers to offer Medicare Advantage Plans (Part C) and Prescription Drug Plans (Part D). Medicare Advantage plans are a perfect way to get more benefits. Not only that, they could offer you medical protection from unexpected fees and expenses for your health care.
Medicare Supplement Insurance is a form of private health insurance and is in place to help you with Medicare out-of-pocket expenses that include deductibles, copayments, and coinsurance.
These are good plans if you visit the doctor a lot or have ongoing special health needs.
Prescription drug coverage (Plan D) is often included with Medicare Advantage plans. Part D can be purchased on a standalone basis or included with a Medicare Advantage plan in an MA-PD plan. (Medicare Advantage plus Prescription Drug Plan)
There are so many choices to make! Now that you know the essential facts about Open Enrollment be sure to call Covered By Us and talk to our experienced insurance agents who can help guide you to a suitable plan to fit your needs.
Call us today or come into at 626-858-0071! We are here to find you the right coverage!
You can, but generally only under special circumstances that qualify you for a Special Enrollment Period (SEP). These circumstances include (but are not limited to) moving to a new location that is outside of your current plan’s service area or where additional plan options are available, moving back into the U.S. after living abroad, moving into or out of a facility, or if Medicare terminates your current Medicare Advantage plan
No, medicare Advantage plans are not sold through the federal marketplace.
