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Discover’s specialty is non-standard auto insurance, meaning high-risk coverage for people with poor driving records or other faults on their licenses. Policies are sold through the company’s website or an independent agent’s office.
As a high-risk insurer, Discovery primarily sells policies designed to meet the minimum state requirements for coverage. (See why state minimums are a recipe for disaster) In North Carolina, this translates to property damage liability of $25,000 and bodily injury liability of $30,000 per person or $60,000 per claim. First-party coverage is available only for vehicles that are being leased or financed as it is required by the lien-holder.
The “Get a Quote” feature on the website is currently under construction and instead directs you to enter your zip code or city to find approved local agents in your area.
You can file a claim online by clicking the “Claims Center” link on the Discovery Insurance website. Choose “Report an Accident/Incident” and fill out the form, which will ask for basic information about you and the other party involved as well as a brief description of the loss.
Once the claim has been filed, an adjuster will follow up with you to discuss your coverages, investigate liability and arrange repairs if appropriate. The company’s aim is to follow-up with the client the following business day after receipt of the claim. Since many high-risk policies will be liability-only, the company may not be able to repair your vehicle if you’re fond to be at-fault. If you are not at fault, you would need to file a claim against the other party’s insurance if you did not carry collision coverage on your own vehicle.
Discovery Insurance has an “A+” rating with the Better Business Bureau, with 5 complaints being closed in the last 5 years, none of which were in the last 12 months. There are few consumer comments about the company on other sites, probably due to the company’s small size and limited scope. The company has over 400 Facebook followers, and the only comments posted by visitors to the page are from agents who work with the company — all of whom, predictably, have good things to say about it.
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If you’re looking for high-risk auto insurance in North Carolina, Discovery might be worth investigating. Although the company isn’t exactly new, it’s still quite small and has little reach, making it a bit of a wildcard. High-risk drivers can have trouble finding a good company, though, and there are many non-standard auto insurers with much worse reputations. The primary red flag for Discovery Insurance is the very low grade from AM Best, but since its only auto insurance, a customer could always leave if the company found themselves in financial trouble.
For a list of companies that we recommend, visit our Best Insurance Companies page.