What is Pact?
Pact is a new kind of car insurance tailor-made to you. Pact introduces fully mobile car insurance, enabling you to manage every aspect of your insurance completely from your phone. Get a quote, adjust your policy, text/call support, file a claim, and request roadside assistance, all in-app.
How does it work?
Pact is built end-to-end with modern technology. Pact removes the agent headcount, unnecessary coverages, and the bloated service infrastructure of big insurers and replaces them with instant, mobile-based control. That means less friction between you and us, and less friction means more savings for you.
How much money will I save with Pact?
Customers can save up to $70 per month. There's only one way to find out how much you can save. Get the app and get your price in seconds.
What kind of insurance company is Pact?
Pact is a Managing General Agency with underwriting privileges. Pact rates, produces, and services all policies and works alongside a top-rated insurance carrier (rated A for “Excellent” by A.M. Best). This enables us to offer secure coverage with a modern experience and high-quality customer service.
Am I getting less coverage or service since I'm paying less?
Absolutely not. Our digital platform allows us to offer customers tailored coverages and services when they need it without the bloat of big insurers. Policyholders can quickly and easily request claims and customer support all in-app. Pact manages the entire support process to ensure you're taken care of every step of the way.
What states do you operate in?
Pact is available in Ohio with additional markets following soon.
How do I get a quote?
Easy! Just download the Pact app, enter your phone number, snap a photo of your drivers license, and select the vehicle(s) and driver(s) you want covered.
Do I need a smartphone to use Pact?
Yes, our app is how we save you so much, available on iOS. Android to come soon.
What information do I need to provide?
You'll need to provide your:
- Phone number
- Drivers license information
- Vehicle details
- Driver details
What does Pact do with my drivers license information?
We don't like waiting very much, so we sped up the process with advanced optical camera imagery. We use your drivers license information to help save you time from form-filling and to help match you with the best policy possible.
How long does it take to sign up?
Forget 15 minutes— with Pact, the whole process shouldn't take more than a couple minutes.
Who is underwriting my policy?
Pact is partnered with State National Insurance Company, a top-rated insurance carrier, rated A for “Excellent” by A.M. Best, the leading rating agency for insurance companies’ financial strength and stability. A.M. Best has rated the financial integrity of over 16,000 insurance companies over the past century.
How do I Pause my coverage?
Easy! Open the Pact app, select “Pact Pause” on the home screen, schedule the time and duration of your Pact Pause, confirm your car's location during the Pause, confirm the Pause criteria, sign, and start saving!
Which coverages should I get?
Pact is built to make it as convenient as possible to pick the coverages you need. Pact recommends a set of coverages customized to you when you get a quote.
If you already have an auto insurance policy or have had one in the recent past, Pact will build a plan for you that considers those coverages as much as possible so you can make an easy comparison.
If we cannot get information on your insurance history, we'll build a plan just for you, based off of your profile information and the condition of your vehicles. You can learn about your plan after getting a quote in the mobile app.
Understanding your coverages
- Deductible - This is the amount you pay for covered damages before Pact starts to pay. Selecting a higher deductible will lower your premium, but it means you'll have to pay more out-of-pocket in case of an accident.
- Limit - This is the maximum amount of money Pact will pay if you make a claim. Limits have a per person limit and/or a per accident limit.
- Example: You have liability insurance with a $50,000 per person and $100,000 per accident limit. If you are at-fault in an auto-accident—regardless of of how many people are injured—Pact will pay up to $50,000 to any individual for their injuries, and no more than $100,000 total.
- Premium - This is how much you pay to keep your auto insurance active. With Pact, you can pay monthly or pay for 6-months in full.
Understanding each coverage
General coverages for your entire policy:
- Bodily injury liability – We pay the medical costs that you’re responsible for as a result of an accident, up to the limit you choose.
- Property damage liability — We pay the repair costs that you’re responsible for as a result of an accident, up to the limit you choose.
- Medical payments – We pay the medical costs when you get injured as a result of an accident, regardless of who’s at fault, up to the limit you choose.
- Uninsured/underinsured bodily injury – We pay the medical costs of you and your passengers' injuries when you’re struck by a driver who doesn’t have any or enough insurance, up to the limit you choose.
- Uninsured/underinsured motorist property damage – We pay for the cost of repairs to your vehicle when the driver at fault doesn't have any or enough insurance, up to the limit you choose.
Coverages for your vehicles
- Collision – We pay the repair costs of your car if you happen to collide with someone or something, after you pay the deductible you choose.
- Comprehensive – We pay the repair costs of your car for incidental damage (natural disaster, vandalism, theft, deer) that you are not at fault for, after you pay the deductible you choose.
- Roadside assistance – We pay for the service to get your vehicle drivable or off the road due to mechanical or electrical issues, including towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
- Flexible transportation – We pay your ridesharing or rental car costs when you need transportation while your car is being repaired as a result of a covered claim, up to the limit you choose.
- Loan/lease payoff – We pay for the gap between what you owe on your car and what it’s worth when your leased vehicle is totaled in a covered accident, theft, or other loss.
How is my premium calculated?
Pact determines your rate from the information you put into your quote. This includes:
- Where you live
- What cars you drive (make, model, year of vehicle)
- Who is driving (your driving record, gender, age, and other factors)
- How much you're covered for
Here's what Pact does not use to calculate your rate:
- Color of your vehicle
We also do not require you to use any dongles or other telematics devices to determine your rate.
How do I know what I am covered for?
You can find your Coverage summary under “Policy documents” on the Menu tab of the Pact app, alongside your other policy documents.
Do I have roadside assistance?
Yes. We offer 24/7 Roadside Assistance nationwide through the Pact app or by phone.
Can insured use all 10 Pact Pauses continuously one after the other?
Yes, insured will be able to use all 10 pauses back to back but would have to start a new Pause every 14 days after about 30 minutes from previous Pause expiration.
Is there a time limit from inception of policy to when insured can start their first Pause?
No, there is no time limit insured can start Pause right away.
What increments can I Pause my coverage for? How many times?
You can Pause your coverage for a minimum of 2 days and maximum of 14 days.
Per 6 month policy, you can Pause you coverage 10 times.
My Pause doesn’t start for two weeks but your app won’t let me add a vehicle through endorsements
When a Pause is scheduled, we lock the policy from other changes. We do this to preserve the savings estimate in the scheduled Pause. Changing coverages will change the amount saved during a Pause. If the user would like to add a vehicle, tell them to cancel the Pause, add a vehicle, and reschedule. In this case, they should see their Pause savings go up!
My pause has started, but I need to quickly pick up my son from school 1 mile away
First things first, tell them to cancel their pause immediately in app. Driving without Bodily Injury and Property Damage is against the law in most states. Monitor their policy - if a Pause follow up activity does not generate within the next 30 minutes, follow up with the customer and inform them that their Pause did not cancel, and they are driving without coverage.
I scheduled my Pause, is there anything else I have to do?
If the user has scheduled a Pause, but the start date hasn’t passed, we cannot confirm anything in PolicyOne. For the above query, ask the user when their Pause is scheduled to start, and tell them to they don’t have to do anything else - just make sure they are not driving when the Pause starts!
What is Pact Pause
With Pact Pause, we either remove or lower to the lowest legal limit all of your driving-related policy coverages. As your coverage levels are lowered (while maintaining vehicle protection for non-driving incidents), so are your premiums, and we pass along all related savings back to you. All savings are applied to your next policy payment.
What's the minimum time period I can Pause my coverage for?
You can Pause your coverage for a minimum of 2 days
Do I still legally have car insurance?
You do! Your policy still remains in force with coverage the entire time you Pause.
What if I forget to turn my coverage back on after pausing?
When you set your Pause period, you'll chose when you want your Pause to end. Once the Pause period is over, your driving-related coverages will automatically be reinstated. Should you want to end your Pause earlier than scheduled, just open the Pause feature and select “Cancel Pause.”
Why were my Pause savings so low?
If you only have minimum liability insurance, your coverage is already at or near the state minimum. The lower your regular (non-Pause) coverages are, the less savings effect Pause has.
What if someone drives my car without my knowledge when I'm on Pause and gets in an accident?
When you schedule a Pause, you sign a form confirming that all vehicles on your policy will not be driven. If someone drives a car on a Paused policy, they would be doing so illegally - without the minimum coverage requirements. If they get in an accident, your vehicle will not be covered.
What should I do in an accident?
You can access our accident checklist via the mobile app in “Accidents & claims” under the main menu. Here's a summary of what you should do:
If there are any injuries or property damage, call 911 immediately. Even if no one is hurt, you should always contact the police and file an accident report. You might need it when you file certain claims.
After making sure everyone is safe, it's important to remain calm and stay focused on documenting the accident. Don't admit fault. An investigation may later show you were not responsible.
Document the following:
- Names and insurance information for each driver involved in the accident,
- Vehicle information for each car involved in the accident,
- Names and addresses of any witnesses, and
- Names and badge numbers of police officers and investigators.
Take photos of the accident scene and all vehicle damage, even if it's not yours. Document any contributing factors to the accident, such as obscured traffic signs or debris. Note what happened as soon as possible. If you can, draw a diagram to recreate the scene.
Report your claim
Use the Pact app to upload all your notes and photos. A claims rep will reach out to you within 24 hours.
What do I do if I need transportation after my car is damaged in an accident?
If you have Flexible Transportation Coverage, you can rent a car or rideshare with Lyft or Uber, and we'll cover the transportation costs up to the limits shown on your Coverage summary, available under “Policy documents” on the Menu tab in app.
All you need to do is submit your receipt(s) for reimbursement. The reimbursement will be handled by the adjuster assigned to your claim. You can email your receipt(s) to the adjuster. Once the receipts are approved, we'll send you the reimbursement.
If you have any questions regarding the coverage or the how to submit receipts, your claims adjuster assigned to your claim is available to help answer any questions.
How do I file a claim?
If you are covered by a Pact auto insurance policy, you can file a claim:
- In app: In the Pact app, under the “Menu” tab, click “File a claim” and follow the instructions to submit a claim 24/7/365. Upon submission, a claims representative will contact you within 24 hours to discuss you claim.
- By phone (855) 722-8170: The Pact Claims team is available 24/7.
How does the claims process work?
The claims process is initiated as soon as you report an accident. An adjuster (person who investigates and handles claims) will be assigned to you, and they will be your representative throughout the claims process.
Your claim will now go through three stages:
Reported — You've completed the form in the app, and it's being assigned to an adjuster.
Pending — Your adjuster is investigating the accident and working with all parties involved to determine who was at fault. Your adjuster may also:
- Contact you for more information,
- Inspect the damage to your vehicle, and/or
- Ask you to take the car to a certified repair shop that will perform the inspection.
After the investigation, your adjuster will evaluate the facts. If another driver is determined to be at-fault, you will need to work with the other driver's insurance company to receive settlement of a claim. Otherwise, your adjuster will authorize any initial payments based on your situation and your coverages.
Closed — The adjuster will authorize any final payments. You’ll then be able to sign a release to accept payment for the claim.
How do I request roadside assistance?
Roadside assistance is on-demand with Pact. On the “Menu” tab in the Pact app, tap “Request roadside assistance” and follow the steps.
How do I get reimbursed if I use different roadside assistance?
Should you use non-Pact roadside assistance and roadside is covered in your policy, you should email the receipt to email@example.com and Pact will verify your claim and send you a check.