Information for Prior Customers of Proformance
Customer service defines the Palisades company culture. It is a quality we seek in the people we hire, in the agents we appoint, companies we do business with and in the way we conduct business every day.
Exceptional customer service also means that we go above and beyond to deliver to you special services that enhance your overall experience with Palisades. For example, our auto claims programs like Crashbusters®, Door to Door Valet Claim ServiceSM, and Guaranteed Repair Program are examples of how your insurance policy gives you more.
Select a link below for answers to frequently asked questions
General questions:
- What does it mean that Proformance is now Palisades?
- Who is Palisades?
- What other products do you offer?
- Will my agent change?
- How do I make a change to my policy?
- Who do I call if I have a question?
- How can I make a payment?
- I like to pay my agent. Can I do that?
- What are your hours?
- I had a claim before I became a Palisades customer. Who should I speak to about it?
- Can my friends get Palisades?
Personal auto insurance questions:
- How can I make a payment?
- What happens to my auto policy?
- What discounts on my auto insurance can I get with your company?
- Will there be a gap between my Proformance auto policy and the new Palisades auto policy where I am not insured?
- Will my auto coverages change?
- Will I get new auto insurance ID cards?
- When will I get my renewal packet?
- When will my first payment be due?
- What pay plans do you offer for auto coverage?
- I had an auto claim before I became a Palisades customer.Who should I speak to about it?
- My policy shows an accident that was not my fault, why are you charging me for this?
Other insurance questions, including Excess, Homeowners, & Commercial Auto:
- What will happen to my Excess policy?
- I currently get a discount for having my homeowners and auto insurance with Proformance. Will I continue to get this discount?
- What happens to my homeowner’s policy with Proformance?
- What happens to my commercial auto coverage?
- Who do I call if I have any questions about my policy?
- What other coverages does Palisades offer?
What does it mean that Proformance is now Palisades?
Palisades has acquired the National Atlantic Holdings Corporation including its subsidiary, The Profomance Insurance Company.
Who is Palisades?
Palisades is the nice New Jersey car insurance company that gives you more— more service, more value, and more innovation. We entered the state in 1992 and work through independent agents. Our primary focus is personal car insurance and we insure over 250,000 autos in 175,000 households in New Jersey. We have grown into one of the largest independent agent auto insurance companies in New Jersey by offering great rates for safe drivers, delivering superior customer and claim service when you need us, and building a strong and trusted partnership with our agents.
Palisades offers many unique auto insurance services and endorsements like:
• Replacement Value Coverage
• 24/7 Accident/Claims reporting Coverage
• Door to Door Valet Claims ServiceSM
• Crashbusters® Mobile Claims Settlement Service
• Guaranteed Repair Program
We also offer great savings and discounts on auto insurance for:
• Employee Pricing
• Safe Driver
• Safe Car
• Homeowners
• Claim Free
• Experience Driver
• Agent/Company Loyalty
• Continuous Insurance
• Pay in Full Discount
• Accident Forgiveness
What other products do you offer?
Besides great rates and exceptional service for personal auto coverage, through our agents Palisades offers the following:
• Personal Umbrella Coverage
• Package Auto/Home Policy
• Commercial Auto Policy
Will my agent change?
No, absolutely not. Your agent will stay the same and provide you with the same attention and personal service.
How do I make a change to my policy?
Contact your agent to make any changes to your policy. Your agent will contact us and tell us about the change.
Who do I call if I have a question?
You can call your agent (your agent’s name, address and telephone number will be prominently displayed on your declaration page), or call us at the telephone number listed on your bill. You can also reach us at 732.665.1100.
How can I make a payment?
For policies that were initially purchased from Proformance — that's policies beginning with the characters PC, PG, AG, AA, 1AU, or 1HO — there are three ways you can make a payment:
1. Send your payment to the address listed on your invoice. If you have a question, call the telephone number that’s printed on the invoice.
2. Pay your agent. You'll find your agent address and phone number on your policy documents.
3. Pay by phone with a credit card, 24/7, by calling 800.959.9669.
I like to pay my agent. Can I do that?
Absolutely! Your agent is authorized to accept payments on our behalf. Payment to your agent is payment to our company.
What are your hours?
We are open from 8:00 am to 5:15 pm, Monday through Friday. Call us at 732.665.1100 if you have a question.
I had a claim before I became a Palisades customer. Who should I speak to about it?
You should continue to work with the appraiser who was assigned to your claim. You can contact your agent if you are not sure who that is or call us at 732.665.1100 if you still have a question.
Can my friends get Palisades?
Yes. They can call a Palisades appointed Agent for a quote. For a list of agents, visit our Agent Finder or call 877.PAL.NICE for help. We appreciate your referrals.
What happens to my auto policy?
Your auto insurance policy will remain in effect and at time of renewal, it will be renewed by Palisades. Your auto insurance policy will automatically renew with Palisades once you have paid the premium requested by the due date. It will begin with policies effective on or after October, 2008. Approximately thirty-five (35) days prior to your policy renewal date, we will send you a Palisades renewal policy that will include your policy, declaration page (summary of coverage), ID cards and an invoice. All you need to do is make the initial down payment to Palisades to accept coverage.
What discounts on my auto insurance can I get with your company?
We offer a wide array of savings and discounts that you may be eligible to receive. These include:
• 8-13% homeowners discount
• 10% agent/company loyalty savings
• 6% continuous insurance savings
• 5% employee pricing discount
• 5% safe driver discount
• 5% safe car discount
• 5% accident free discount
• 5% experienced driver discount
Will there be a gap between my Proformance auto policy and the new Palisades auto policy where I am not insured?
No, we have made certain that your replacement policy has the same effective date as your existing policy. There will be no lapse in coverage as long as you send in your initial payment to us by the date requested.
Will my auto coverages change?
In every case where a Proformance option is available at Palisades, your renewal will be at your existing policy’s coverage or deductible amounts. However, if Palisades does not offer a particular Proformance option your Palisades renewal will be at the closest coverage equivalent that we offer. You should review your Palisades declaration page and discuss any questions with your agent.
Will I get new auto insurance ID cards?
Yes, your new ID cards will be included with your renewal packet.
When will I get my renewal packet?
Approximately thirty-five (35) days before your policy expiration date we will send you a renewal policy that will include your policy, declaration pages (summary of coverage), ID cards, and your invoice with payment schedule.
When will my first payment be due?
Payment is due on the effective date of your policy. There is a $5.00 to $6.00 installment fee charged with installment payments of 4-pay and 8-pay.
What pay plans do you offer for auto coverage?
Continue to pay your Proformance premium by mail or credit card. Once your policy renews with Palisades, we offer additional ways to pay your bill. These include:
• Automatic Bill Pay or electronic funds transfer (EFT) will deduct premiums directly from your checking or saving account. No fees or service charges are added.
• US Mail:
4-pay or 8-pay plans
• Online banking – if you pay your bill electronically, just add Palisades to your “Payor” list.
• Interactive Voice Response (IVR) – you can pay your bill by telephone anytime, 24/7 by calling 888.725.9004. We also accept Visa and Mastercard.
I had an auto claim before I became a Palisades customer. Who should I speak to about it?
You should continue to work with the appraiser who was assigned to your claim. You can contact your agent if you are not sure who that is. You can also call us at 732.665.1100 if you still have a question.
My policy shows an accident that was not my fault, why are you charging me for this?
Your Palisades policy was rated using claims data we received from Proformance. If you feel your claim information is not accurate, please contact your agent or Palisades Customer Care at 877.PAL.NICE.
What will happen to my Excess policy?
Excess policyholders will be eligible for upgraded personal umbrella coverage provided they complete a questionnaire to meet certain underwriter guidelines. If you have any questions about your excess coverage, please contact your agent.
I currently get a discount for having my homeowners and auto insurance with Proformance. Will I continue to get this discount?
We offer special discounts for safe drivers and homeowners. Palisades will offer a homeowners discount to a named insured that owns, occupies and insures a home in New Jersey. People who rent or do not have a homeowner policy will not receive this discount.
What happens to my homeowner’s policy with Proformance?
We are moving homeowners insurance from a Proformance system to Palisades by mid-year, 2009. High Proformance Policy package that contains both auto and homeowners, will transition by late 2009. Most policyholders will be renewed on a homeowner policy or homeowner package policy with the exception of some coastal and barrier-island policies subject to underwriting review.
What happens to my commercial auto coverage?
Your commercial auto policy will renew with Palisades subject to underwriting review. Contact your agent if you have any questions.
Who do I call if I have any questions about my policy?
Contact you local agent if you have any questions about coverage, billing or claims. Or you can contact us at 732.665.1100.
Other Coverages
Contact your agent for questions regarding all other Proformance Insurance Company polices.