Member Announcements
COVID-19 Announcements | Northern Neck Insurance
June 2020 Update
We have issued refunds on auto premiums to our members. If you had auto coverage with Northern Neck as of April 1, you have received a 15% credit due to Virginia's stay-at-home order for your April and May auto premiums. No action was required by you to receive your credit. The following FAQs have more detail about these credits.
Who received a credit?
- NNINS members with auto policies in effect on April 1, 2020, were eligible for credits.
How was my credit amount calculated?
- We issued a 15% credit on April and May personal auto premiums. While the actual amount of your credit depends on your coverages, the approximate credit is $30 per policy.
How did I receive my credit?
- If you pay by installment, a premium credit will be forwarded to your next payment.
- If your policy has been paid in full, you will receive a refund check in the mail.
- If your policy has an outstanding balance due, the credit was applied toward that balance.
Will there be additional credits if I do not drive as much in the future?
- These credits reflect a collective reduction in auto claims activity among NNINS members in April and May. We are monitoring the overall impact of COVID-19 on our company and will adjust our plans as the situation evolves. Our decisions will be based on our members' best interests, both individually as policyholders and collectively as mutual-owners of the company.
Will this response affect my auto premiums in the future?
- These auto credits represent a return of premiums because of reduced claims expenses during Virginia's lockdown. They will not affect future premiums.
What if I have questions about my credit?
- If you have a question about your credit, please call Members Services at 800-552-8660.
What if I lost my job due to COVID-19 and cannot pay my premium?
- We are extending payment deferrals and waiving fees for an additional 60 days through July 31, 2020, for our members who have lost income due to COVID-19. Members who wish to defer their premium payments should contact our Member Solutions team at memberservices@nnins.com or 804-438-4530 or 800-552-8660.
- If you want to make a change in your coverage, please contact your NNINS agent. Agents around the state are open for business and standing by to help. If you have questions or need help finding an agent, please contact us at (800) 552-8660 or locate an agent here: https://www.nnins.com/find-an-agent
What if I have a claim?
- If you have a claim, our claims team is fully operational and ready to help. Please use our normal channels to report a claim by calling (877) 968-7252 or by visiting our Member Center.
- There are several simple and convenient options for starting the claim process. You can:
- Start a claim online through the Member Center.
- Call our 24/7 Claims Hotline (including glass claims): 877-968-7252
May 2020 Letter from Peter Cammarata, President & CEO
To the Northern Neck Insurance community,
I hope this letter finds you safe and well. As a Virginia-only mutual insurer, our company is built on the idea that we are stronger together. Thousands of Virginians buy Northern Neck insurance to protect themselves in an emergency, and together we all ensure that the whole membership is protected. Today, we are all facing an emergency unlike any in our lifetimes. And yet, for all of the abrupt changes of COVID-19, people around the commonwealth are responding in a familiar way: they are reaching out to help. I'm writing to share what our team is doing to help during this crisis and to invite you to join us if you can.
First, we are issuing refunds on auto premiums to our members. If you had auto coverage with Northern Neck as of April 1, you will receive a 15% credit for your April and May auto premiums due to Virginia's stay-at-home order. These credits are scheduled to be applied automatically in June; no action is required from members to receive the credit. The attached FAQ has more detail about when and how credits will be applied.
Second, Northern Neck is partnering with the Virginia Federation of Food Banks to ensure Virginia families don't go hungry in the coming months. Virginia's food banks do essential work, and they are absolutely vital now. Job losses are forcing thousands of people to use their local food banks for the first time. Northern Neck has pledged $175,000 to expand the supply of fresh, nutritious meals to tens of thousands of Virginia families in the coming months. The state's food banks run on the commitment of local community members to take care of each other. If you are able, please join us in ensuring local families in your area do not go hungry. We will share more information soon, but in the meantime I encourage you to visit virginiafoodbanks.org to learn more about their work.
Finally, we will continue to work with our members who are facing financial challenges. If you are having trouble paying your insurance bill, please contact our member services team at memberservices@nnins.com or 804-438-4530 or 800-552-8660.
Many years ago, a small group of Virginia homeowners made a promise to help each other in times of need. That promise marked the founding of Northern Neck Insurance. Today, the power of "Virginians helping Virginians" fuels our company, but it also forms the foundation of our local communities. By working together across Virginia, we will navigate COVID-19 and the inevitable challenges that will follow. On behalf of the entire Northern Neck Insurance family, thank you for your trust and support. It is our privilege to support so many families, friends, and neighbors during this crucial time.
With gratitude,
Peter Cammarata
President & CEO
Auto Refund – Frequently Asked Questions
Why are you issuing auto premium credits?
- People are driving less due to Virginia's stay-at-home order. Less driving means less risk and fewer auto claims paid. As a result, we are returning a percentage of your auto premiums in recognition of these extraordinary changes in driving habits.
Who will receive a credit?
- NNINS members with auto policies in effect on April 1, 2020 are eligible for credits.
How was my credit amount calculated?
- We are issuing a 15% credit on April and May personal auto premiums. The actual amount of your credit will depend on your coverages. The average credit is approximately $30 per policy.
How will I receive my credit?
- No action is needed from you. Credits are scheduled to be processed in June.
- If you pay by installment, the credit will be automatically applied to your next payment.
- If your policy has been paid in full, you will receive a refund check in the mail.
- If your policy has an outstanding balance due, the credit will be applied toward that balance.
What else is Northern Neck doing to help those in need?
- For our members who have lost income due to COVID, we are extending payment deferrals and waiving fees for an additional 60 days through July 31, 2020. Members who wish to defer their premium payments should contact our Member Solutions team at memberservices@nnins.comor 804-438-4530 or 800-552-8660.
- For our communities, we are working with the Virginia Federation of Food Banks to expand access to healthy nutritious meals for our many neighbors in need. We have pledged $175,000 to help our state's food banks deliver food to hundreds of community food pantries and local food programs across the state.
Will there be additional credits if I do not drive as much in the future?
- These credits reflect a collective reduction in auto claims activity among NNINS members in April and May. We are monitoring the overall impact of COVID-19 on our company and will adjust our plans as the situation evolves. Our decisions will be based on our members' best interests, both individually as policyholders and collectively as mutual-owners of the company.
Will this response affect my auto premiums in the future?
- These auto credits represent a return of premiums because of reduced claims expenses during Virginia's lockdown. They will not affect future premiums.
May 2020 Update: NNINS Auto Refund Program
Some NNINS members have asked about auto refunds. We will announce the details of our auto refund program very soon. Most NNINS members with auto policies will receive premium credits due to reduced driving during Virginia's stay-at-home order. We will share details with you and your independent agent in the coming days, along with additional important announcements. Thank you and more soon!
April 2020 COVID-19 Announcement
We have seen announcements from national carriers offering rebates on auto premiums. We certainly understand the appeal of such a gesture. We also understand it is essential to fully understand how the pandemic is affecting our members and their coverages, now and into the future. Like everyone else, we are adjusting to an unprecedented situation. Virginia’s shelter-in-place order has been in effect for just a few weeks, which has already resulted in significant changes in how people are using their homes and vehicles. Right now, our top priority is working with members to help them keep their insurance coverages in force by deferring premium payments for those who have lost income. We are closely watching the situation, and we promise to share more information as we continue to respond in the best interest of our members. We will keep you updated as we continue to navigate this situation together. We appreciate your patience and trust in us to best serve your insurance needs.