21st Century Pinnacle Insurance Company is a Wilmington, Delaware-based insurance company. The company, which was founded in 1958, offers its clients property and liability insurance products. It is a division of 21st Century Insurance Company. The executive management team is in charge of the company.
For almost 60 years, 21st Century Insurance has taken pride in providing consumers with great coverage and service while also assisting them in saving money on automobile insurance. We’re always looking out for our consumers, with 24-hour customer service, thorough insurance coverage options, excellent Farmers claims handling, and helpful ways to save.
Whether you’re a new customer or have been with us for years, you can expect outstanding coverage, service, and a guaranteed commitment to your satisfaction.
Part of the FarmersInsurance Family
Farmers Insurance Companies, of which 21st Century is a proud member, serves more than 20 million individual policies across all 50 states via the work of over 24,000 people.
If I needed to contact a person from 21st Century Insurance, how would I do so?
For your convenience, we have representatives available Monday through Saturday during regular office hours. Our website and Interactive Voice Response (IVR) technology are available 24 hours a day, seven days a week.
How do I go about getting my vehicle inspected for physical damage coverage if I live in a state that requires it?
If you live in one of the four states that require a physical inspection of your car.
What is the claim procedure at 21st Century Pinnacle Insurance Company?
To file an auto claim online, go to Submit a Claim or call our auto claims department at 1-888-244-6163. The claims department is open 24 hours a day, seven days a week to accept your report. When you register a claim, it is sent to a local adjuster, who will call you within 48 to 72 hours. Our adjusters will come to you to inspect the damage, and your vehicle can be fixed at any certified shop of your choice.
What if I’m harmed and have medical coverage under my policy?
When your adjuster calls, inform them that you have medical expenses. Everything will be handled by the adjuster.
Can I go to any repair shop if I have an accident?
Yes, you can have your vehicle repaired at a facility of your choice. If you need assistance in deciding on a retailer, we have a list of favourites that we can recommend! In our Direct Appraisal Program, we have establishments that we believe deliver great quality and service to our customers. Aside from these benefits, any work done by these institutions is guaranteed for as long as you own the car. We will instantly pay the repair shops, allowing you to take your car home as soon as the repairs are completed!
For assistance, please call our auto claims department at 888-244-6163. Because the claims department is available 24 hours a day, seven days a week, we can assist you further.
Coverage
What is the difference between “Limited Tort” and “Full Tort”?
“Limited Tort” Option – Under Pennsylvania law, you have the option of purchasing insurance that limits your and your family’s ability to seek financial compensation for injuries caused by other drivers. You and other household members covered by the policy may seek reimbursement for all medical and other out-of-pocket expenses, but not for pain and suffering or other nonmonetary damages, unless the injuries sustained meet the policy’s definition of “serious injury” or one of several other exceptions.
“Full Tort” Option – The Commonwealth of Pennsylvania rules also allow you to choose a type of insurance that offers you and your family an unrestricted right to seek financial compensation for injuries caused by other drivers. Under this type of insurance, you and other household members covered by this policy may seek payment for any medical and other out-of-pocket expenses, as well as financial compensation for pain and suffering and other non-monetary damages as a result of injuries caused by other drivers.
Do you offer extended warranty plans for automobiles?
21st Century Insurance does not currently provide automobile extended warranty insurance.
Is 21st Century Insurance offering a boat insurance policy?
21st Century Insurance does not provide boat insurance. We do, however, have arrangements with other yacht insurance companies. We can assist you in selecting the finest firm for your needs. Please contact us at (877) 310-5687 between the hours of 8:30 a.m. and 8:00 p.m. From Monday through Friday.
Is 21st Century Insurance offering ATV insurance?
At 21st Century Insurance, we only issue personal auto insurance, but our partner company, Farmers, should be able to assist with commercial insurance. To learn more about their comprehensive commercial auto coverage provisions, call 1-800-FARMERS.
What Exactly Is Collision Coverage, and How Does It Work?
Collision coverage is an auto insurance add-on that protects the policyholder’s vehicle in the event that they cause an accident. Collision insurance is frequently added to liability or comprehensive coverage for rental car drivers.
You may be forced to purchase collision insurance while renting a car (rental companies often refer to it as Loss Damage Waiver or a Collision Damage Waiver).
What exactly does “Comprehensive Coverage” imply?
Comprehensive coverage (sometimes referred to as “Other Than Collision”) is also referred to as “fire and theft” policy. A more accurate description is loss to your car caused by something other than an accident. Animal strikes, vandalism, riots, floods, wind and hail, as well as fire and theft, are all covered.
What is Extended Transportation Expense Coverage (Rental Reimbursement)?
You can seek rental reimbursement if your vehicle has at least Comprehensive coverage. If your vehicle is temporarily handicapped for more than a day due to a covered car accident, this policy will pay $25 per day for up to 30 days (or a maximum of $750) toward the purchase of a new vehicle. There are even stricter restrictions, such as a daily limit of up to $90 for up to 30 days, or no daily limit with a maximum of $1500. There are changes in coverage and limits between states. Consult your Policy Declaration to confirm your coverage limits.
What is Bodily Injury Liability Coverage?
As the owner or driver of a vehicle, the insured is protected against any payments for which the insured becomes legally liable owing to physical injury to a third party. This coverage also includes legal defence fees. The first figure is often used to limit compensation to a single person per accident, but the second figure is used to limit payouts to all those injured in a single accident.
What exactly is Property Damage Liability Coverage, and how does it function?
Similar to Bodily Injury Liability, but solely applies to property damage caused by you, such as a car, a fence, or a telephone pole.
What paperwork is necessary in the state of California?
The available forms are listed below. You can open a.pdf version of these forms by clicking on the…
Why do I have to buy Uninsured Motorist coverage?
The name of this policy is misleading, as it is usually confused with coverage for an uninsured motorist. If you are hit by someone who does not have insurance, you and anyone else in your vehicle will benefit from this.
Underinsured Motorist Coverage: What is it and how does it work?
Underinsured motorist bodily injury coverage covers you for your injuries up to the policy limit when a driver is underinsured.
What is the definition of Uninsured Motorist Protection (UMP)?
When the limits of the legally liable third party are insufficient to cover your claims, Underinsured Motorist Bodily Injury Coverage pays up to the policy amount. This insurance is not available in all states. Underinsured Motorist Property Damage covers property damage caused by an accident involving a legally liable underinsured motorist or “hit and run” driver up to your policy maximum. This coverage is not available in every state, has a deductible, and is subject to rejection.
What exactly is the 21st Roadside Assistance Program, and how does it function?
You will be provided with free 24-hour roadside assistance.
The 21st Century Insurance Roadside Assistance programme includes 24 hour towing, lockout service, and other services for each vehicle covered by 21st Century Insurance.
Every covered vehicle and driver on your policy is immediately protected with the full benefits of this programme at no additional expense. If you have any questions about 21st Roadside Assistance, please contact our certified Customer Care Specialists at (877) 310-5687.
If you require assistance, please call the 21st Roadside Assistance programme at (800) 439-5587.
What if I am injured and have medical coverage through my policy?
When your adjuster calls, inform them that you have medical expenses. The adjuster will handle everything. Please include your claim number on any medical bills you send us. If you need to reach our automobile claims department, please telephone 1-888-244-6163. Because the claims department is available 24 hours a day, seven days a week, we can assist you further.
If you have any questions regarding 21st Century Pinnacle Insurance Company, please leave them in the comments section.
