GENERAL INSURANCE FAQS
PEMCO insures Washington and Oregon residents with auto, home, boat and umbrella insurance. Call 1-800-467-3626 to speak with a Customer Service Representative weekdays from 7:00 a.m. - 6:00 p.m. and Saturdays from 8:30 a.m. - 5:00 p.m.
We're ready to protect you at all times. You can report a claim 24 hours a day, 365 days a year. Just call us at 1-800-467-3626 or sign into your account to file a claim online.
PEMCO orders a CLUE (Comprehensive Loss Underwriting Exchange) report during the application process. We use your loss history and driving activity (accidents and violations) obtained from CLUE and your Motor Vehicle Report to determine your eligibility and rate. To request the statement explaining how PEMCO uses your claims history, or if you have more questions, call 1-800-467-3626 or click here.
In states where your credit history can be considered as part of setting your rate, there are five categories that are used: payment history, total indebtedness compared to available credit, length of credit history, new credit and types of credit in use.
You can request your report from Equifax through its secure website. For Reason for Credit File Request select “Denied credit, insurance or change in credit limit.” Equifax provides your credit report along with a confirmation number you can use in communicating with them. Additionally, you're entitled under the Fair Credit Reporting Act to a free credit report from each of the three nationwide consumer credit reporting companies – Equifax, Experian, and TransUnion – once every 12 months to confirm the accuracy of the information placed in your report. You can order your annual free credit report from the three credit reporting companies at the same time through a central website at http://annualcreditreport.com, or by calling toll free 1-877-322-8228, or by mailing a request via U.S. Postal Service to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.