How to Switch Between Mileage-Based Insurance Plans with Just Insure
Switching between different mileage-based insurance plans with Just Insure, such as from an unlimited-miles plan to a pay-per-mile plan or vice versa, involves a few key steps. This guide provides a overview of the process to help with a smooth transition.
Overview of Policy Switching
Switching insurance plans typically requires canceling your current policy and purchasing a new one under the desired plan. Depending on the type of plan you are switching from and to, additional steps like submitting a final odometer photo may be required. Below are detailed instructions for the most common scenarios.
Steps to Switch from Unlimited Miles to Pay-Per-Mile
Cancel Your Current Policy: Contact Just Insure to cancel your unlimited-miles policy. This step is necessary to transition to a new plan.
Review Cancellation Terms: Before canceling, check your account balance and make sure you are not going to drive anywhere before you complete the re-purchase process. Ensure that your new policy starts immediately after the old one ends to maintain continuous coverage.
Purchase a New Policy: Start a new policy application and select the pay-per-mile option during the setup process. You will need to make a payment to activate the new policy.
Steps to Switch from Pay-Per-Mile to Unlimited Miles
Cancel Your Current Policy: Begin by canceling your pay-per-mile policy.
Submit a Final Odometer Photo: After cancellation, submit a final odometer photo to calculate your last mileage usage. This step ensures your account is finalized correctly. You may need to contact the Policy Services Team to approve the final photo and position your account for the repurchase.
Purchase a New Policy: Open the Just Insure app or website and start a new policy application. When prompted, select the Unlimited Mileage plan (e.g., Unlimited Minimum for state-minimum liability) and complete the remaining steps.
Important Considerations
Continuous Coverage: To avoid any lapse in coverage, ensure that your new policy begins immediately after your old policy ends.
Refunds: If applicable, you may receive a refund for unused coverage from your canceled policy.
Payment Requirements: Be prepared to make a payment when purchasing your new policy.
FAQs for Common Scenarios
What if I want to switch from a mileage-based policy to a monthly unlimited plan?
To switch from a mileage-based policy to a monthly unlimited plan, cancel your current policy and then purchase a new policy under the unlimited plan.
Do I need to submit an odometer photo for all policy switches?
Submitting a final odometer photo is required only when switching from a pay-per-mile policy to another plan. This step ensures accurate calculation of your last mileage usage. By following these steps and considerations, you can seamlessly switch between mileage-based insurance plans with Just Insure.