PEMCO Insurance of Seattle Review & Complaints: Car & Homeowners Insurance (2024)

Since beginning operations in 1949, Public Employees Mutual Insurance Company (PEMCO) has been providing auto, home, umbrella, and boat insurance to residents of Washington and Oregon. Based in Seattle, PEMCO Insurance is a mutual group insurance company founded and controlled by policyholders.

In addition to homeowners, renters, boat, umbrella, and specialty insurance, PEMCO Insurance sells a variety of car insurance packages. Let’s take a closer look at exactly what PEMCO Insurance has to offer.

Through its Timesaver Repairs Program, you can take advantage of PEMCO’s relationships with local repair shops. After an accident, contact PEMCO to get a list of participating mechanics you can choose from. You can then take your car in for repairs without the hassle of dealing with a claims adjuster. You will only pay your deductible, as PEMCO will pay the shop directly. If you feel none of the available garages are up to par, then you are free to find your own repair shop, pay for the repairs, and file for reimbursement from PEMCO.

PEMCO offers optional roadside assistance packages, coverage for custom parts and upgrades, rental car reimbursement, and key replacement. PEMCO will cover your camper or canopy if you live in Washington state. With optional pet protection, PEMCO car insurance will pay your veterinarian bills should your pet be injured in a collision.

With PEMCO car insurance, you have the ability to purchase auto loan coverage, also known as GAP insurance. This optional auto insurance coverage kicks in if your vehicle is totaled. GAP insurance will cover any difference between what you owe on your car loan and the cash value of your car.

PEMCO car insurance also offers accidental death coverage of up to $10,000 should a death result from an accident in an insured vehicle.

If you work for a rideshare company, you can bolster your employer’s insurance policy with PEMCO’s rideshare insurance. Whether you are waiting for a fare, heading to pick up a passenger, or driving someone to their destination, you’ll be covered.

Read more:

• PEMCO Umbrella Insurance: Complete Guide & Review
• PEMCO Insurance Review & Complaints: Earthquake Insurance
• PEMCO Insurance Review & Complaints: Auto, Boat, Umbrella & Home Insurance

PEMCO Insurance Claims Process

Ease of Filing a Claim

PEMCO Insurance offers policyholders a user-friendly online platform and mobile app for filing insurance claims. This digital convenience allows customers to initiate the claims process from the comfort of their homes or on the go. Additionally, claims can also be filed over the phone for those who prefer direct assistance.

Average Claim Processing Time

While PEMCO Insurance does not specify an exact timeframe for claim processing on their website, they aim to expedite the process to ensure quick resolutions for their customers. The actual processing time may vary depending on the complexity of the claim and the availability of necessary documentation.

Customer Feedback on Claim Resolutions and Payouts

PEMCO Insurance has garnered positive customer feedback regarding their claim resolutions and payouts. Customers have expressed satisfaction with the company’s responsiveness and fair compensation for covered claims. This positive reputation contributes to PEMCO’s standing as a trustworthy insurer in the region.

PEMCO Insurance Digital and Technological Features

Mobile App Features and Functionality

PEMCO Insurance offers a mobile app that provides policyholders with convenient access to various features. Through the app, customers can view and manage their insurance policies, access digital ID cards, initiate claims, and even make payments. The app’s user-friendly interface enhances the overall insurance experience.

Online Account Management Capabilities

Policyholders can efficiently manage their insurance accounts through PEMCO’s online platform. This digital tool allows customers to review policy details, update personal information, make payments, and track claims. The platform’s accessibility ensures that customers have control and transparency over their insurance accounts.

Digital Tools and Resources

PEMCO Insurance provides a range of digital tools and resources to assist customers in making informed insurance decisions. These resources may include educational articles, coverage calculators, and FAQs. By offering these digital resources, PEMCO empowers policyholders to navigate their insurance needs with confidence.

PEMCO Insurance of Seattle Reviews & Complaints

PEMCO Insurance of Seattle is a regional small business. This means PEMCO must rely on quality customer service as a key factor in its success. As a result, PEMCO is often considered one of the best choices for auto insurance for Washington and Oregon residents. 

As recently as November of 2021, PEMCO had a 0.14 ratio rating with the National Association of Insurance Commissioners (NAIC). This is an industry-leading figure and represents PEMCO’s ability to manage customer satisfaction at a superior level.

According to J.D. Power’s rankings, PEMCO Insurance scores high in customer relations. Receiving a five-star service rating in J.D. Power’s 2020 evaluation, PEMCO once again paces the nation’s leading insurance providers. PEMCO has also repeatedly won J.D. Power’s award for “Highest Customer Satisfaction among Auto Insurers in the Northwest Region.”

PEMCO Insurance maintains an A+ rating with the Better Business Bureau and consistently ranks higher than its competition on public review sites like Yelp and Google.

A.M. Best, which evaluates a company’s financial strength, gives PEMCO Insurance of Seattle a B++ rating, with a stable outlook. As a regional insurance provider, PEMCO does not possess the financial backing of a nationwide or international corporation. Still, A.M. Best considers PEMCO Insurance well enough established to meet its financial obligations and handle emergencies well.

Now we will look closer at what it’s like to be a PEMCO customer.

Contact PEMCO Insurance

Whether you are looking for a new car insurance provider or are already a customer, you will be well advised to know the PEMCO Insurance phone number. Call a PEMCO customer service representative at 1‑800‑467‑3626 to get your questions answered. 

While agents are available over the phone, perhaps PEMCO Insurance is best accessed online. The user-friendly website is full of information about all the products and services PEMCO Insurance offers, and policyholders can use it to accomplish nearly any necessary task. Here you will find contact details for email, fax, and traditional mail, and the physical address of the company. 

PEMCO’s website offers instant quotes, which is hard to find in a regional company. If you need to make a payment on your PEMCO car insurance policy, you can use your PEMCO login information to pay online at your convenience.

If you’re on the go, you can access all the PEMCO Insurance website’s functionality via the Go PEMCO mobile app, available for download. Your policy is also available as downloadable proof of insurance on the app.

Whatever your communication preferences, PEMCO has a point of contact you can use. At this point, you may be asking just how much a PEMCO car insurance policy costs. We’ve done the research.