Frequently asked insurance questions

PEMCO insures Washington and Oregon residents only.
We sell auto, home and umbrella insurance.
Call our toll-free number, 1-800-GO-PEMCO (1-800-467-3626). Our Customer Service agents are available by phone weekdays from 7-6 and Saturdays from 8:30-5:00.

You can reach us online by signing into your online account and using the "Contact Us" link.

There's no need to wait until the weekend or holiday is over — you can report a claim 24 hours a day, 365 days a year. Just call us at 1-800-GO-PEMCO (1-800-467-3626).
PEMCO orders a CLUE (Comprehensive Loss Underwriting Exchange) report during the application process. We use this information to help determine your rate and eligibility. You're entitled to a written statement explaining how PEMCO uses your insurance score or claims history. To request the statement, or if you have more questions, call 1-800-GO-PEMCO or click here.
The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact: LexisNexis, Consumer Center Request your personal report online ( Call 866-312-8076
No. We only changed the look of the existing notice for ease of reading. We haven’t changed our practice.
The law allows us to share your information for certain reasons without your permission. Because we only share as lawfully allowed, there are no applicable added limitations.
We may share your Social Security number when we file reports with government agencies. We’re permitted to share for this purpose. If we’re asked to share your medical information with any other entity, we will ask you to please sign a release.
We may need to share information to conclude handling your account. Please know that we continue to protect your information just as diligently as when you were a customer. And, although the law allows us to market to you up to 18 months after you leave PEMCO, simply tell our Marketing department if you want us to stop contacting you. We’ll comply immediately.
We may need to exchange information with your mortgage lender if you refinance a home or buy a new one. We may need to contact your bank to set up automatic insurance payments. To process your claim, we may need to share information.
You can view and print your current policy, Declarations page, billing statement, or auto insurance ID card through your online account.

If you don't find the information you need online, we will help you. It might take some time to gather the information you seek. For detailed-info requests, it’s best that you email us so we can find the correct information. Please use our "Contact Us" email.

Aside from the items mentioned above, we can send you a copy of any other documents you’ve given us. Internal or proprietary documents are unavailable, and documents older than what we’re required to retain may not be available.
We use a “credit score” or an “insurance score” to underwrite and rate your insurance policy. PEMCO doesn’t have access to your actual credit reports or credit score. A third-party vendor is responsible for supplying PEMCO with your insurance score. If you’d like more information, click on Insurance Score FAQs.
PEMCO doesn’t disclose your actual credit-based insurance score because it causes customers to immediately compare it with their FICO score, which is not the same. The insurance score is different from what most consumers expect, so it may cause undue concern.

For example, even if you didn't receive the best possible credit-based insurance score, in almost all cases your rates are still favorably impacted by credit-based insurance scores.

To learn more about insurance scores, go to:

We use a third-party vendor, Myriad Development, to obtain the insurance score. Credit-Based Insurance Scores were developed by FICO, the same company that provides most credit scores.
Five main categories are used from your credit report: payment history, total indebtedness compared to available credit, length of credit history, new credit, and types of credit in use. To learn more about how an insurance score is calculated, go to:
Your credit score is a predictor of creditworthiness and therefore not relevant in assessing the likelihood of insurance risk. However, the credit-based insurance score is a predictor of claim activity and is one of many factors used to give you the best rate.
No, we don’t get a copy of your credit report. We only receive your credit-based insurance score.
If you don’t receive the best rate with PEMCO because of your credit history, you have a right to receive a free copy of your consumer report from Equifax if you request it within 60 days of the notice we send about your rate. 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 are 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 or by calling toll free 1-877-322-8228, or mailing a request via U.S. Postal Service to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
The first insured person listed on your policy is the one whose insurance score is used. Usually, the choice of whose name appears first was decided at the time the policy was purchased.
We encourage our customers to take advantage of our free service called PEMCO ID Smart, which connects you with a fraud specialist who will guide you through the resolution process, working with you for as long as it takes to resolve the issue.
We encourage our customers to take advantage of our free service called PEMCO ID Smart, which connects you with a fraud specialist who can help you with concerns you have about being away on extended stay, including active duty.
Yes, you may ask us to re-rate your policy with a current Credit-Based Insurance Score no more than once every 12 months.
Consumers who focus on the five main categories considered in their credit report (See “How does my credit history affect my Credit-Based Insurance Score?”) can improve their insurance scores over time. To learn more about insurance scores, go to: