How to Use an Insurance App-5 Things to Know & 3 Mistakes to Avoid

I get a lot of people asking how to use an insurance app, whether it’s the Allstate, GEICO, Progressive, or another car insurance app.

But before you use a car insurance app, you need to find out the pros and cons of an insurance app, what to do when using it, whether you even want to use it at all, and what alternatives there are.

How to use an insurance app at a car dealer

Why You Shouldn’t Use an Insurance App to Buy Insurance or File a Claim

You’re not an insurance agent and not even an expert on car insurance. You probably don’t even know very much about car insurance. When you use a car insurance app or auto insurance app to buy insurance, you’ll be guessing what you need.

People often make costly mistakes when purchasing insurance directly from an insurance company like GEICO or Progressive. But when using an insurance app it’s even easier to make a mistake.

Find out why you should never use an insurance app to file a claim or upload damage photos.

What Kind of Mistakes Can You Make When Using a Car Insurance App?

We have seen people who thought they purchased collision, fire, and theft coverage when they had not.

People Who Thought They Bought Collision, Fire, and Theft Coverage

We have had several clients in motorcycle accidents who made costly mistakes when they purchased motorcycle insurance on an insurance app. They all purchased brand new motorcycles with a bank loan. When their brand new motorcycles were totaled in the accidents, they found out they had no collision coverage. They owed the bank a lot of money for their brand new motorcycles which were totaled.

People Who Thought They Bought Underinsured and Uninsured Coverage

We have also seen people who thought they purchased underinsured and uninsured coverage when they had not. Later, when they were injured by someone who had minimum insurance coverage, they found out they couldn’t get the amount of money they should have. See what injuries are worth.

People Who Failed to Buy Additional PIP or No-Fault Coverage

Another costly mistake that is easy to make on an insurance app is not buying additional PIP or no-fault coverage. When you’re admitted to a hospital, your bills can easily be $35,000 to $150,000. If you don’t have enough PIP or no-fault coverage, you can have numerous problems.

Why Do People Make Mistakes When Using a Car Insurance App?

When you call a car insurance company directly to buy auto insurance, the person you’re speaking to on the phone can answer your questions and even give you advice.

However, a salesperson is not an insurance agent. Salespeople are not required to give you advice and are not qualified to give advice.

When you use a car insurance app you will likely go through it quickly clicking off what you think you need and not realizing what mistakes you may have made.

Calling an insurance company directly is better than using a car insurance app but not the best idea either.

What Is the Best Alternative to Using a Car Insurance App?

The worst way to buy insurance is by using a car insurance app.

The second worst way to buy car insurance is to call an insurance company directly.

The best way to buy car insurance is to call an independent insurance agent. Calling an insurance agent for a company like Allstate or State Farm is okay but you should avoid calling an insurance company directly. Companies like GEICO and Progressive have call centers where you will only speak with a salesperson.

So How Do You Use an Insurance App?

Don’t! Unfortunately, we can’t tell you how to use an insurance app because they are all different and, besides, we recommend that you avoid mistakes when buying insurance with an insurance app and call an independent insurance agent.

divider line gold narrow

You might also be interested in reading:

Should I Use An Insurance Estimate App To Send a Photo of My Car Damage?
Do’s & Don’ts of what you should do after a car accident
Do I have to notify my insurance company when I have an accident but there was very little damage to my car?
See how you can get screwed by your insurance company when replacing a windshield on a leased car.
See more answers to FAQs

divider line gold narrow

comments button

Attorney Franckel is a well-known personal injury lawyer, Founding Partner of 1-800-HURT-911® New York, and a former Member Board of Directors of the New York State Trial Lawyers Association. He has an Avvo Top 10  Rating, Avvo Client’s Choice Award with all 5-star reviews, Avvo Top Contributor Award, Multi-Million Dollar Trial Lawyers Award, and other awards. See Mr. Franckel’s bio for areas of expertise.

divider line gold - thick

1-800-HURT-911® Personal Injury Lawyers "As Seen On TV" ABC, CBS, NBC, FOX, , WOR, WPIX logos

Get the 1-800-HUR-T911® Dream Team™ on your side and become a member of our family!

“Knowing I had a team of great lawyers on my side gave me a sense of power and peace of mind. They took care of everything for me. When a settlement was negotiated, I saw the difference a team of lawyers makes.”
—Lia Fisse

No Win — No Fee — No Expenses — Guaranteed!

Personal Injury Lawyer Screened by Google

Attorneys who can get you the most amount of money AND provide personal service!

Free Personal Injury Consultation call button  Chat to get your free Personal Injury consultation right now button

Please take a look at some of our:

What will happen when I call 1-800-HURT-911 or chat?

  1. Our call center operators and chat operators are available 24/7.
  2. Just give your contact info to our operator and Founding Partner Rob Plevy, Esq. will call you within 5-10 minutes for your free, no-obligation consultation during the hours of 8 am – 10 pm. After hours, Rob will call you in the morning or at the time you want.
  3. Then just text or call us any time you want during your case!

Because any delay could cause you to lose viable rights and benefits, please call HURT-911® Founding Partner Rob Plevy, Esq. right now for a free consultation to find out your rights days/nights/weekends.
1-800-HURT-911
1-800-487-8911

You can speak, text, or email with us whenever you want throughout your case and afterward, days/nights/weekends, and experience our famous personal service. You’ll even get our personal phone numbers so you can call or text anytime!

Watch Founding Partner Phil Franckel, Esq. talk about New York Serious Injury Attorneys.com, difficult cases, and the 1-800-HURT-911® Dream Team™


Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.

1-800-HURT-911® Founding Partner and Personal Injury Lawyer Rob Plevy, Esq.

Founding Partner Rob Plevy, Esq.

Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.

Get the HURT911® Dream Team on your side!
Call Attorneys Rob Plevy & Phil Franckel days/nights/weekends for a free consultation
1-800-HURT-911

1-800-487-8911

New York Serious Injury Lawyer logo

divider line gold - thick

Have a question about How to Use an Insurance App? Leave a comment!