What Happens if My Payment Fails?

If a payment fails, don't panic. Here's what happens and how to fix it.

Why Payments Fail

Common reasons:
- Expired credit card
- Insufficient funds
- Card declined by bank
- Incorrect payment information
- Bank security holds

What Happens After a Failed Payment

1. We notify you via email and/or text
2. We retry the payment (may retry automatically)
3. You have time to fix it during any grace period
4. Late fees may apply if not resolved promptly

How to Resolve

Step 1: Check Your Payment Method
- Log into your account
- Verify card is not expired
- Confirm bank account details are correct

Step 2: Ensure Funds Are Available
- Check your account balance
- Clear any bank holds

Step 3: Make the Payment
- Log in and pay online
- Or call 475-619-3790 to pay by phone

Step 4: Update Payment Info (if needed)
- Add a new card
- Switch to a different payment method

Grace Period

You typically have a grace period to make your payment before coverage is affected. Check your policy documents for specific details.

Preventing Future Failures

• Set up backup payment methods
• Enable payment reminders
• Use autopay with reliable funding
• Keep payment info current