FAQs

You’ve got questions – we’ve got answers.

You’ll find answers to most of your questions here. If we haven’t answered one of your questions, give us a call.

Can I pay my bill by Electronic Funds Transfer (EFT)?

Yes. Sign up for Electronic Funds Transfer (EFT) and you can select a withdrawal date of either the 5th, 15th or 25th of each month. We offer 10 equal installments with no installment fee for EFT.

Can I pay online with a bank check?

Absolutely! You can pay online using a personal or business check. Simply follow the instructions provided. To facilitate payment, you will need a copy of your billing statement or your checkbook. No additional fees apply for this service.

Can I pay my bill with a credit or debit card?

Yes. You can pay online with your Visa, Mastercard or Discover credit card. You can also use your debit card issued by a U.S. bank. To facilitate payment, you will need a copy of your billing statement.

What happens if my payment is late?

If payment of your regular installment bill is posted after the due date, you may receive a cancellation notice requesting additional payment to bring your policy up to date. If you are late paying a cancellation notice, your policy will be cancelled as of 12:01 AM of the cancellation date shown on the notice.

When is my payment due?

Your payment is due before the date shown on your billing notice. Please ensure we receive your payment the day prior. For your convenience, you can pay online 24 hours/day.

Can I pay my insurance bill online and/or by phone?

Yes. You may pay your bill at any time with our convenient pay online feature, or you can phone in a payment to our Billing Department at (877) 763-1800, Monday through Friday (except holidays) from 8:00 AM - 4:15 PM.

Who do I call if I have claim emergency at night, on a weekend or holiday?

Don’t worry — we provide emergency claims assistance 24/7. Just call (877) 763-1800. An after-hours claims service member will take your loss information and assist you through the process.

When can I start repairs to my damaged property?

Typically, our adjuster needs to assess the damaged property before repairs can begin. However, you may need to make emergency repairs to prevent further damage to your property. Under these emergency circumstances, we ask that you keep and furnish all records and receipts connected to the repair.

Do all property damage claims need to be seen by an adjuster?

If the damage is minor, we may not need to see the actual damaged property. Your Providence Mutual claims specialist can guide you through the process.

When will I receive payment for a covered loss?

Once our claims adjuster has seen the damaged property, confirmed coverage for the cause of loss, and assessed the cost to repair or replace the property, we will issue a check to you. The payment will include all covered expenses less the deductible amount shown on your policy.

What if there are injuries as a result of an accident or claim?

Immediately call emergency authorities. If there are any witnesses, please try to obtain their contact information. We will call the witnesses to obtain statements. And please, never admit fault for a loss.

What can I expect when I report a claim?

Once we receive your claim report, we will assign it to a member of our team. Your claims specialist will verify the facts and review your policy coverage with you, make arrangements to see and appraise the damage, and let you know about any investigation or additional information needed.

Can I rent a car if it is stolen or hit by another party?

We strongly recommend that you first report your claim and discuss your car rental needs with us or with your agent. Depending on the type of loss you experienced and the coverage you selected on your policy, there may be a waiting period or no rental reimbursement coverage available.

What kind of information will help you in settling my claim?

Here are some helpful tips to assist in processing your claim: Notify us promptly about a loss or accident regardless of how small you think it may be. What may seem insignificant may not end up being so minor: A third party later may make a claim, even though no injuries or damage were reported at the time of loss. File a police report and document all details from the incident, including contact information for all witnesses and possible claimants. Make an inventory (including description, value and photographs) of any personal property that is damaged, destroyed or stolen. If any of your personal information, credit or bank cards are stolen, immediately notify the police and your bank and credit card companies. Keep track of any expenses that you pay due to the loss. These may be reimbursable under your policy.