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Frequently Asked Questions
We understand that your insurance journey may raise questions, here's a list of our most frequently asked questions.
No, we are an insurance app. The big difference is that our app allows you to speak directly with an insurance agent anytime and anywhere. We are available in all states.
For Clients
If you are a customer looking for a quote, the process takes just 1 minute. You will answer some questions, and then you will be able to choose the agent to help you with your quote.
For Agents
If you are an insurance agent, just answer some questions to get your account activated. You will receive customers looking for insurance at all times, day and night. You can be online or offline and operate in any state you choose.
Yes, we do not share your personal information with anyone. It is always private.
You can find all types of insurance. We work with agents who have insurance licenses in all states. This gives you more options and better prices to compare.
For Clients
Near Quote is different and unique because it gives you the flexibility of getting in contact with agents from any company in any state at any time. You never speak to a machine or an automatic system; you will always speak to a live agent. You will be in contact with agents in seconds.
For Agents
Near Quote is different and unique because it gives you access to customers looking for any type of insurance. You will be in control of all customers that contact you, and you will also have the contact and data information to offer other types of insurances if you like. The best part is that you can use the app anytime, day or night, including weekends. This flexibility will be a game-changer for your productivity and goals.
Liability car insurance helps financially protect you if you’re found at fault in an auto accident. It can help cover an injured person’s medical bills or repairs to someone’s vehicle. Drivers are legally required to carry liability insurance in most states.
Personal Injury Protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages for you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who’s at fault.
Comprehensive auto insurance coverage is designed to cover damage to your vehicle that is not caused by a crash with another vehicle. There are countless other ways your car can be damaged, many of which you may not be able to prepare for or expect.
Collision insurance is a coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree.
General liability insurance helps cover costly claims that can arise during normal business operations. If you don’t have coverage, you’d have to pay for these costs out of pocket.
A general liability insurance policy can help cover claims that your business caused:
Third-party bodily injury: If a customer gets hurt after slipping and falling in your store, they can sue your business. Your policy includes bodily injury liability coverage, so it can help pay for their medical bills.
Third-party property damage: If you or your employees work at a client’s house, your business faces a risk of causing property damage. Property damage liability coverage can help pay for repair or replacement costs if your business damages someone else’s belongings.
Workers’ compensation is insurance that provides benefits or medical care for workers who are injured or become ill as a direct result of their job. Employers pay for this insurance, and in some states, it is mandatory for most employers.
Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Your homeowners insurance policy may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt. It may also provide coverage for accidents or injuries that occur in your home or on your property. A homeowners policy covers injuries you may unintentionally cause to others away from your property for which you may be liable.
Flood insurance, generally purchased separately from your homeowners insurance policy, may cover losses from water damage related to flooding and may help protect your home and belongings. If your home or personal property is damaged by a flood, your flood insurance company will typically cover the costs to rebuild or repair your home and pay you the actual cash value of your personal items.
Health insurance protects you from unexpected, high medical costs. With health insurance coverage, you pay less for covered in-network healthcare. You get to use services like check-ups, urgent care, prescriptions, and although there are copayments, a deductible does not have to be met to be able to use these services.
These adjustments aim to improve clarity and consistency throughout the list. If you need further assistance or have any specific concerns about any of the questions or answers, feel free to ask!