FAQs Central: Where Answers Ensure Your Peace of Mind

Welcome to Preventty FAQs Central Section. Find answers to commonly asked questions to help you navigate through our services seamlessly. Whether you’re curious about policies, procedures, or general inquiries, we’ve got you covered. Explore our FAQs to make your experience with us even more straightforward.

Customer Service and Contact Information

Preventty's main office is located in Florida. We are located at:

7500 NW 25TH street office 108, Doral, FL.

Discover How to get there!

At Preventty, we have an exclusive customer service dedicated line. You can reach us at (713) 332- 1286 and choose the option you need.

Customer service
(713) 332-1286 Option 3
help@preventty.com

Monthly Payments
(713) 332-1286 Option 1, then Option 5

Email: collections2@preventty.com

Sales: (305) 822-6022

Claims
claims@preventty.com
(713) 332-1286 Option 3

Certificates
coi@preventty.com
(713) 332-1286 Option 1

Certainly. For Preventty - USA Specialty Insurance - Insurance Agency, it is a pleasure to accompany you and assist you with all processes related to your insurance policies. Our service hours are:

Monday to Friday : 8:30 a.m. - 5:30 p.m.

Saturdays and Sundays our office is closed.

In the event of an accident, you can refer to your Declaration Pages, which contain the contact information for your insurance companies, which usually have extended service hours. Or, if you wish, you can report your accident by clicking here

Insurance Companies and Policies

We have an extensive portfolio of insurance companies in each state where we operate. This portfolio includes commercial, personal, health, and life insurance. Our goal is to provide protection options that cater to the specific needs of each trucking company and family. Currently, we have access to over 53 insurance companies.

At Preventty, we work with a wide range of insurance companies that offer commercial, personal, health, and life insurance. When it comes to commercial insurance, it's crucial to understand the ratings these insurers receive from specialized rating agencies in the insurance industry, such as AM Best or Demotech.

These ratings range from "Non Rated" to "Rate B" and "Rate A." These ratings are based on the financial strength of the insurers and their ability to meet obligations to clients in case of a claim. We also have the ability to access "Risk Retention Groups" if necessary for your specific situation.

It's important to note that each transportation company is unique and has specific characteristics, such as loss history, driver records, types of trucks used, products transported, and more. These factors will determine which of our insurance companies is most suitable for your business.

To find the number of your commercial policy, you should check your insurance certificates. In the central column, you will see the title 'Policy number,' where you will find all the policy numbers.

When we activate a commercial policy, we issue a package of documents containing all relevant information related to the coverages. This package includes the insurance certificate, ID cards for each insured vehicle, declaration pages, a welcome letter from our insurance agency, among other important documents.

If you need more information or additional assistance in finding your policy number or any other details related to your insurance, please do not hesitate to contact us. We are here to assist you at every step of the process.

If you make changes to your company or commercial policies, it is very likely that the premium will be affected; it may increase or decrease in cost.

It is important to keep in mind that insurance companies may conduct audits to monitor the behavior of all customers. In case of finding any inconsistencies in your reported information (vehicles, drivers, type of operation, addresses), they may make updates that directly affect the policy's cost or even lead to its cancellation.

Yes! At Preventty - Insurance Agency, we have the experience and knowledge necessary to provide you with the appropriate coverage so that your trucking company can operate efficiently in both ports and with Amazon.

Additionally, we are proud to announce that we have established a partnership with Personal Truck Services, who specialize in obtaining regulatory permits and handling the necessary paperwork for the UIIA (Intermodal Association of North America), further facilitating your operations in these specific environments.

Documentation and Quoting

Insurance companies analyze each risk individually, and to do so, they must evaluate a series of variables that allow them to determine a price in line with the associated risk. This is done with the aim of offering policies that accurately reflect each client's needs and risk level. Key factors that insurers evaluate include:

  • The company's previous claims history and frequency.
  • Type of business, size, and growth plans.
  • Geographic location and operating radius.
  • Type of equipment and cargo.
  • Driver's driving history (if the vehicle has cameras, some insurers offer discounts as a benefit).
  • Number of employees and their industry experience.

In addition to these factors, it's important to mention that some insurance companies may request information about the company's and its owners' credit history if the financed value exceeds $80,000. This is part of the financial evaluations conducted by financial companies.

When insurance companies have a clear understanding of these factors, they are in a position to make an accurate risk assessment and calculate a fair price for the policy. This ensures that you get adequate coverage that fits the specific needs of your business and effectively protects your interests.

To obtain your Insurance Certificates, you have several options available:

  • Through our website: You can access them 24/7 through our website. Simply click on "COI Brokers" or "COI Clients." It's important to have your username and password handy, which were provided in the welcome package when you activated your policy.
  • Phone helplines: If you prefer phone assistance, you can reach our phone helplines at 713-332-1286 option 1. We are available from Monday to Friday from 8:00 a.m. to 6:00 p.m.
  • Email: You can also request insurance certificates by sending an email to coi@preventty.com. Our team is available to assist you from Monday to Friday from 8:00 a.m. to 6:00 p.m.

It's important to note that both Brokers and clients have the ability to directly request insurance certificates.

To find out the terms, limits, and exclusions of your policy(s), you should consult the Declaration Pages issued by the insurance companies. These documents provide detailed information about the commercial insurance you have purchased, including all important terms and conditions.

In some cases, insurance companies issue the Declaration Pages when the policy is activated, and these are sent as part of our initial welcome package. However, some insurance companies may take a little longer to send these documents to the agency.

If you do not currently have your Declaration Pages or need to access them again, you can request them by sending an email to customerservice@preventty.com

You can contact your current insurance advisor to assist you and provide a quote for the policy you need, or you can click here to quote commercial insurance for my transportation company.

Policy Changes and Additions

To make changes or modifications to your policy, it's important to follow these steps:

  • Contact your insurance advisor at Preventty: If you wish to make changes to the terms of your policy, we recommend contacting us. We are here to advise you before implementing any changes to your operation. If the changes you need involve an adjustment in the price, Preventty will take care of requesting the corresponding quotes and coordinating with the insurance companies to implement the changes. This ensures that you are adequately protected and avoids potential issues in the event of a claim.
  • Notify the insurer: Once you have a clear understanding of the change you want to make to your policy, Preventty, your insurance agency, must notify the insurer before implementing it in your operation. For example, if you plan to add a new truck to your company, you must request that it be included in your commercial insurance policy before starting to operate it. Make sure to comply with the initial requirements of your policy when making changes. For example, if your policy only allows drivers over 28 years old, the new driver must meet this requirement.

At Preventty Insurance Agency, we are committed to providing you with high-quality service and ensuring that your insurance policy adapts to your changing needs.

Not all changes or modifications to a commercial policy generate an additional cost. In general, changes that commonly involve an additional cost include:

  • Change in transported commodities: If you change the types of products or goods you transport, it's likely to impact the cost of your policy.
  • Change in coverage limits: Increasing or decreasing coverage limits in your policy can affect the price.
  • Addition of trucks and trailers: Adding vehicles to your fleet often involves an additional cost.
  • Driver modifications: Adding or removing drivers from your policy can have an additional cost, and this cost may vary depending on the drivers' driving history.

It's important to note that each case is unique and depends on the specific conditions of your policy and the policies of the insurance companies. Before making any changes to your policy, we recommend consulting with us so that we can assess your situation and provide detailed information about any additional costs associated with the changes you want to make.

Policy changes are managed directly by the insurance companies. As an intermediary agency, we request quotes or the necessary requirements and then await direct confirmation from the insurance companies.

On average, insurance companies typically process a request within 24 to 48 hours. However, it's important to note that if the change involves a decrease in coverage or the removal of a vehicle or trailer, a premium refund to the financial companies must be processed. This can take approximately 3 months before the changes or reductions in premiums are reflected.

During this time period, it's essential to continue paying the financing installments as initially agreed, even if you are working on policy changes. This ensures that you are properly covered throughout the entire process and that there are no interruptions in your coverage.

The number of trucks you can add to your policy depends on your insurer's policy. Some insurers may have restrictions on the number of vehicles that can be added in a given period.

Our recommendation is that you always inform us about your company's plans throughout the year. This way, we can ensure that you comply with the terms of your policy and avoid any issues with your insurer. Open and early communication about your expansion plans or changes to your company is essential to ensure that you are adequately covered and that everything is in order in your policy.

Yes, according to the specific conditions of each policy, all trucks, including units under lease contracts, must have at least one Commercial Auto Liability insurance policy. This coverage is essential because it provides protection in the event a third party is injured in an accident involving the truck, even if it is not in active use at that time.

Driver-related Inquiries

Yes, at Preventty, we work with several insurance companies that accept inexperienced drivers. The options may be more limited, and the cost may be higher.

Whether an inexperienced driver is accepted in a commercial insurance policy depends on each insurer. Remember that quotes are free and can be a valuable resource if you want to know whether an inexperienced driver can be accepted or not.

Yes, some insurers are willing to accept drivers with Mexican or international driver's licenses. However, it's important to note that these options are limited, and not all insurers provide coverage for drivers with international licenses.

Yes, it is necessary for all drivers to be approved and reported to the insurer before the policy becomes effective or before they start their duties in the operation. It is crucial to have all drivers listed on the policy, even if they are in the hiring process or will undergo a driving test. This ensures that they are adequately covered, and you comply with the terms of your policy.

Payment and Billing

The monthly installment you have to pay for your policy is detailed in a formal quote provided by our advisor at the beginning of the negotiation. This quote includes the amount to be paid and the deadline for payment.

If you have any questions or concerns about the monthly installment of your policy, please do not hesitate to contact us at (713) 332-1286, option 1, then option 5. Our Payments team will be happy to provide you with the information you need and assist you with any payment-related queries.

The time required for the premium to decrease after a negative endorsement can vary depending on the policies of each insurance company. At Preventty, we work with companies that make this change immediately, while others may take between 90 and 120 days to process the decrease, a legally established period in the initial conditions. This is because insurance companies must refund the premium to the financial companies.

It is important to note that during this adjustment period, it is essential that you continue to pay your policy premiums to avoid cancellation. The values will be adjusted in your subsequent payments according to the modifications made.

The deadline for making payments may vary depending on the finance company you are working with and the state you reside in. Generally, if you are in Florida, Texas, and California, you typically have between 5 and 10 calendar days to make the payment without any additional charges. However, other states may have different deadlines.

It is important to note that non-compliance and late payments can impact both the financing of your policy and your credit record. This means that payment deadlines may vary or the installment payment benefit may not apply.

If you have specific questions about the payment deadlines that apply to you or need more information, we recommend contacting a Payments team advisor at (713) 332-1286, option 1, then option 5.

It is important to note that monthly payments are not owed to the insurance agency but to the financial institutions or directly to the insurance companies. Therefore, payments must be made directly to the designated entity.

Financial institutions offer various payment methods, which may include credit card, bank account, and payment routes, and some accept direct bank transfers (Wire transfer). If you have questions or need assistance with the payment process, you can call Preventty's phone line at (713 )332-1286, option 1, then option 5. The Payments team will be happy to answer your questions and guide you through the payment process.

If your policy was financed directly by the insurer, your advisor should assist you in the payment process of your premiums.

Please note that it is not recommended to send physical checks to financial institutions, insurers, or agency offices, as this can take up to 30 days and, in case of a delay, neither the agency nor the financial institution will be responsible.

Please avoid making monthly payments through the payment link on the Preventty website, as this link is exclusively enabled for Down Payments. Making monthly payments through this method can cause delays in payment processing, and Preventty does not assume responsibility for delays in the event of a delay.

You can activate automatic payments in two ways:

  • Authorization with assistance from an analyst: You must complete and digitally sign an authorization to activate automatic payments. A Payments team analyst can assist you in this process by calling (713) 332-1286, option 1, then option 5. The representative will guide you through the process.
  • Contacting the financial institution directly: You can also activate automatic payments by contacting the corresponding financial institution directly.

Claims and Accidents

In the event of an accident, it is essential to remain calm and call the authorities.

Next, it is important to collect as much information as should be considered in the claim investigation, such as photos, videos, a police report, witness information, and information from third parties involved.

It is a requirement of all insurers that all accidents, regardless of fault or the extent of damage, must be reported to the insurers immediately. Not reporting the incident/accident to the company in a timely manner can affect the claim coverage, jeopardize the policy status, require underwriting action, or affect renewal options. It is not necessary to wait for the police report to notify the insurers.

The initial data required to initiate the claim process are as follows: Date and time of the accident, exact address of the accident location, driver's name, vehicle and trailer plates, details of what happened, were there third parties involved, were there injuries, were there cargo damages? Try to have documents, photos, and videos.

In the event of being involved in an accident, it is crucial to follow these steps:

  • Stay calm and call the authorities: The first thing you should do is stay calm and call the authorities to report the accident and request assistance as needed.
  • Collect important information: During the accident scene, it is important to collect as much information as possible for the claim investigation. This includes taking photos and videos of the scene, obtaining the police report, gathering witness information, and obtaining details of third parties involved in the accident.
  • Report the accident to your policy: It is a requirement of all trucking companies that all accidents, regardless of fault or the extent of damage, be reported immediately. It is not necessary to wait for the police report to notify the insurance company. Not reporting the incident promptly can affect the claim's coverage, jeopardize the policy's status, require underwriting action, or affect renewal options.
  • Required initial data: To initiate the claim process, the following initial data are needed: date and time of the accident, exact address of the accident location, driver's name, vehicle plates, details of what happened, whether there were third parties involved, whether there were injuries, and whether there was cargo damage. Try to have documents, photos, and videos as evidence.

If your policy was acquired through Preventty, you can report your claim by clicking here.

Commercial insurance companies generally do not get involved in the claims processes for third-party policies; it is not their responsibility or that of insurance agencies.

At Preventty, what matters most to us is your peace of mind. Therefore, our claims team is ready to assist you during this process. Remember that the response will not depend on us, but we will do everything to help you get a response from the third-party insurance company.

Policy Suspension, Cancellation, and Regulatory Permits

No, the insurance companies we work with do not allow temporary suspensions of policies under any circumstances.

If you wish to cancel your commercial policy, you must make a formal written request via email. We, as an agency, will process the request with the insurance company(ies). Please note that cancellation is not effective if done verbally only. To make the cancellation effective, you must sign the cancellation documents that will be sent once you make the request. If you do not send the signed documents, the cancellation will not be processed, and therefore, no refund will be issued.

It is important to note that, if a refund is applicable, priority is given to the debt owed to the financial institution. After that, if applicable, a refund to the client may be issued.

Of course. One of our business partners is the company specialized in regulatory permits, Personal Truck Services, who provide guidance on new regulatory permits for your transportation company, DOT registration, taxes, safety programs, commercial plate registration, bookkeeping, among others. You can contact them by emailing compliance@personaltruckservices.com  or calling (832) 360-2067.