Frequently Asked Questions

Please select a category below to get answers to all of your insurance questions!

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General Policy Questions

How do I make changes to my policy?

Please contact your Agent or Customer Service to have changes completed immediately.

How do I contact Customer Service?

Our Toll-free phone number for Customer Service is 1-877-858-4100 and fax number is 1-877-409-4860.

Can I get a copy of my SR-22 or SR-50 filing?

Please contact our Customer Service Department at 1-877-858-4100 for a copy of your filing.

Where can I get an insurance ID card to keep in my vehicle?

Please contact your Agent or call our Customer Service Department at 1-877-858-4100.

How do I cancel my policy?

Please contact your Agent or Customer Service to complete a cancellation request. The request must include your policy number, cancellation date and time, and the named insured's signature. The request can be faxed, mailed, or emailed to InsureMax for processing.

Why am I receiving a cancellation notice?

Cancellation notices may be sent when payment has not been received by the due date or due to an underwriting decision.

Do I have a grace period after my payment due date?

That depends on the current payment plan of your policy. Please call your Agent or Customer Service to find out if your policy has a grace period.

Is there a grace period after my policy Cancels?

Unfortunately, there is no grace period. When a policy cancels it is effective that day at 12:01 am as indicated on the cancel notice sent.

If my policy cancels, can I make a payment to reinstate it?

In most cases, your policy can be reinstated by contacting your Agent or making a payment using one of our convenient payment options.

How can I renew my policy once it expires?

If you receive a renewal offer, your renewal down payment can be made by contacting your Agent or making a payment using one of our convenient payment options.

Does my policy include auto club services?

InsureMax offers Smart Choice Auto Club in Georgia, Indiana, and Missouri. These guidelines may vary from state to state. Contact your Agent or Customer Service for coverage information.

Does my policy include Accidental Death Coverage?

InsureMax offers Accidental Death Coverage in Arkansas, Georgia, Indiana, Missouri, Nevada and South Carolina. Your Declarations page indicates the coverages included under your insurance policy. Contact your Agent or Customer Service for further coverage information.

If I move, does my insurance policy transfer to another state?

Unfortunately, if you move to another state, you must obtain an insurance policy in that state. InsureMax currently writes business in Arkansas, Georgia, Indiana, Missouri, Nevada and South Carolina. If you move to one of the states listed, please contact Customer Service for assistance to locate an agent in your area. If you move to a state not listed please cancel your current policy and obtain a new policy in your new state.

Billing/Payment Questions

How can I make my InsureMax policy payment?

You can make your payment at your Agent's office, pay directly online using a credit card or bank account, mail the payment directly to InsureMax, or call Customer Service for assistance.

Is there a fee for making my InsureMax policy payment online with my credit card or checking account?

Other than the standard service fee shown on your bill, InsureMax does not charge a separate fee for online policy payments with your credit card or bank account.

Can I have my InsureMax policy payment automatically deducted from my credit card or bank account?

Absolutely! You can set up your InsureMax policy on AutoPay by completing an Automatic Payment Agreement and providing the necessary information.

Can I use someone else's credit card/checking account to make my monthly payment?

Yes, if the appropriate authorization has been obtained.

Can I change my InsureMax policy payment due date?

Payment plans vary from state to state, but in most cases we can help. Please contact Customer Service to discuss your options.

Why is my InsureMax policy payment amount different?

Your InsureMax policy payment amount may differ as a result of requested change to your coverage, drivers or vehicles listed, outstanding fees or undisclosed information on the application. To find out the specific reasons for any InsureMax policy payment amount difference, please contact your Agent or Customer Service for assistance.

How are InsureMax policy payments processed?

InsureMax policy payments taken by your Agent or our Customer Service are processed immediately. Online payments are processed with an effective date one day after the payment was submitted. Payments received by mail are processed with an effective date one day after the postmark.

Accident/Claims Questions

How do I report a new claim?

You can report a new claim 24 hours a day by calling our toll-free number 1-877-858-4100.

Who is handling my claim and how can I contact the adjuster?

Please call InsureMax Monday through Friday during our office hours of 8am to 5pm (Central) to speak with one of our claim support representatives. They will be happy to transfer you to the correct adjuster.

What is the mailing address, telephone number, and fax number for the Claims Department?

InsureMax Insurance Company
PO Box 607
Newburgh, Indiana 47629-0607

Local: (812) 858-4100
Toll-Free: (877) 858-4100
Toll-Free Fax: (866) 309-4860

After an accident, how do I report a claim against another driver?

You can report a claim against another driver by contacting the driver's insurance company or through their Agent. Generally, you will need the other driver's full name, policy number, the date the accident occurred and any other pertinent information. Additionally, you will need to provide details regarding the accident. Please contact your InsureMax adjuster for assistance or questions.

Should I report an accident to InsureMax even when I am not the driver at fault?

As an InsureMax policy holder, you should always report any accident to InsureMax to make sure you are covered and so we can provide assistance. Failure to promptly report an accident could jeopardize coverage on your InsureMax policy.

Should I call the Police to report the accident?

You should ALWAYS call the Police when an accident occurs however, please be aware that some Police Departments may not respond based on the severity, location, weather conditions or type of accident.

What is the expected time frame for my claim to be settled?

Once a claim is reported to InsureMax we work to resolve the matter as soon as reasonably possible and pride ourselves on prompt and accurate claims handling. The time frame to properly handle your claim will involve a lot of variables including: the type of accident, the severity of the accident, how quickly the adjuster is able to gather information from all parties involved, if there is coverage available for the accident and other possible factors or considerations. InsureMax truly believes it is in the best interest of all parties involved to settle each claim in a fast, fair and competent manner.

State/Industry Information


Arkansas Insurance Department
Arkansas Motor Vehicle Services
Arkansas Insurance Verification Program


Indiana Department of Insurance
Indiana Bureau of Motor Vehicles


Nevada Division of Insurance
Nevada Department of Motor Vehicles
Nevada Insurance Verification Programs

Other Resources

National Association of Professional Insurance Agents (PIA)
Independent Insurance Agents & Brokers of America
Insurance Institute for Highway Safety

Please Note: By using the links above you will leave the InsureMax site. The linked sites are not under the control of InsureMax and InsureMax is not responsible for the content of any linked site, the links contained within a linked site, or any changes or updates to such sites. Inclusion of a link in this area does not imply endorsement by InsureMax of the site or its contents.

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