Common Questions

Glossary of Insurance Terms
Glossary of Boating Terms
Glossary of Commercial Insurance Terms

What are our normal business hours?
Thum insurance Agency LLC is located in Grand Rapids, Michigan. Our office is open from 8 AM to 5:30 PM Eastern Time, Monday through Friday. We do close our office to observe the standard National Holidays.

Can you fax me an ID card?
If you send an email to info@thuminsurance.comor call us at 800-866-0777 during our normal operating hours of 8 AM to 5:30 PM Eastern Time, Monday through Friday, and provide us with a fax number or email address. Under most circumstances we are able to fax or email to you a copy of your ID card right away. If you prefer to receive it through the mail just let us know and we will accommodate your request. Certificates of Insurance can take up to 24 hours to generate, so please request them with enough lead time. We will be able to email, fax or mail you the requested Certificates of Insurance.

What commercial products to you write?

We represent several national insurance companies and multiple insurance brokers across the country to handle your commercial insurance needs.  For a complete list of our products please visit our Commercial Lines Insurance Page or give us a call us at 800-866-0777. 

When is my payment due?
You can send an email to or call us at 800-866-0777 during our normal operating hours of 8 AM to 5:30 PM Eastern Time, Monday through Friday, and we will be able to tell you when your next payment is due and what amount will be due at that time. You can also call these carriers directly for their automated system:

American Modern Insurance Group
800-543-2644 Press 2, follow prompts

Progressive Insurance Company

If your policy is with National Interstate Insurance Company or any of its subsidiaries (Great Texas County Mutual Insurance Company, Great American Assurance Company, Triumphe Casualty Company) you can go to their website to make a payment.

What credit cards do you accept?
National Interstate Insurance Company accepts Visa or MasterCard. Progressive Insurance Company accepts Visa, MasterCard or Discover. American Modern Insurance Group accepts Visa, MasterCard, Discover or American Express. Companion Property and Casualty Insurance Company accepts Visa & MasterCard payments. For specifics on any of our other carriers, please contact our agency at 800-866-0777 during normal business hours.

Are there payment plans available or do I have to pay the policy in full?
Each carrier has their own guidelines for payment plan options. For almost all policies there are multiple payment plans available. Please contact our office at 800-866-0777 to speak with an agent to find out what plans are available for your specific policy.

Can I be set-up for monthly EFT?
Most carriers do have an Electronic Funds Transfer (EFT) program available. This varies by carrier and by product. Please contact our office at 800-866-0777 to find out if the EFT program is available for your specific policy.

Can you insure my vacant home or mobile home?
Yes we can. Please send an email to or call us at 800-866-0777 during our normal operating hours of 8 AM to 5:30 PM Eastern Time, Monday through Friday. Let us know which method you prefer for us to contact you – phone, fax, mail or email – and we will respond to you within one business day.

What is Financial Responsibility all about and how does that matter to insurance?
Financial Responsibility is a reflection of a person’s bill paying behavior and use of credit. Financial Responsibility has been proven as a reliable predictor of future loss experience. Financial Responsibility looks at certain aspects of your credit report to generate a factor that impacts your policy premium.

How do I get a copy of the insurance score my renewal offer refers to?
On your renewal offer the name of the company used to run the Financial Responsibility Reports is listed along with their toll-free phone number. By contacting that agency directly they will mail you a copy of your current report.

Main Credit Reporting Agencies for Personal Lines Products:
TransUnion / 800-888-4213 / PO Box 2000 Chester, PA 19022
Equifax / 800-685-1111 / PO Box 105873 Atlanta, GA 30348
Experian / 888-397-3742 / PO Box 2002 Allen, TX 75013

Is Financial Responsibility reporting used to determine premium in all states?
No, not all states. The carriers that make use of the reports to determine premium vary by state and by product line.

What if I disagree with something on my insurance scoring report?
To dispute your credit report, you will need to work directly with the agency that provided you the report. Thum Insurance Agency does not have access to your credit report nor can we be an advocate on your behalf in the case of a dispute.

I am changing my registration from one state to another, what do I do now?
We can write business in all 50 states, so contact us directly to start the rewrite process. In most cases we will need to cancel your current policy and rewrite the policy under the requirements of the new registration state. Each state has its own coverage requirements that must be satisfied in your policy. To comply with each state’s guidelines, it is necessary to cancel and start a new policy.

Can I put just storage coverage on my RV?
Our carriers do not offer a “storage coverage” endorsement on their policies. For a “regular” RV policy, use is assumed to be less than 150 days per year. Accordingly the premium reflects that limited use and assumes storage for the remainder of the year. The advantage to this system is that full coverage is provided year-round without restrictions on when the RV has to be stored. So, if you decide to take a trip South in the winter you can rest assured that your RV is fully covered. For customers using their RV’s over 150 days per year, there is a surcharge added to the premium to account for that additional exposure.

What number do I call for Towing and Roadside Assistance?
American Modern Insurance Group –
CoachNet – 1-888-680-7602

Blue Sky RV Insurance –
Blue Sky Motor Club – 1-866-936-0483

Foremost Insurance Group –
Traveline – 1-800-554-6678

National Interstate Insurance Company –
Continental Car Club – 1-800-221-8062
Star or Premier Package with Coach Net – 1-866-839-8298

For National Interstate policyholders with Towing Reimbursement coverage, please fax your towing bill along with your name and policy number to: 1-330-659-8909.

Progressive Insurance Company – Cross Country – 1-888-776-2778

Nation Safe Drivers 1-800-745-5791

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How do I report a new claim?
National Interstate Insurance Company / Great Texas County Mutual Insurance Company / Great American Assurance Company / Triumphe Casualty Company

Foremost Insurance Company

Progressive Insurance Company
Online claim filing: Progressive Insurance Company

American Modern Insurance Company
Online claim filing: American Modern Insurance Company

Victoria Insurance

Companion Property & Casualty Insurance Company

Online claim filing: Travelers

Bankers Insurance Group


ACE Insurance Company

INAMAR Insurance Company

AIG – American International Group, Inc
AIG Natural Disaster Hotline: 877-244-0304

RLI Insurance Company

Fidelity National P & C Insurance Company
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Are helmets and leather jackets included on my motorcycle policy?
Helmets, leather jackets and other safety apparel are covered under the Custom Parts and Equipment coverage on your policy. They are covered only for collision losses, not for theft.

Do you have any other carriers that you can quote for me?
Thum represents seveal national insurance carriers, please contact an agent for a new quote. Send an email to or call us at 800-866-0777 during our normal operating hours of 8 AM to 5:30 PM Eastern Time, Monday through Friday.

Can you insure my converted school bus?
We cannot insurance converted school buses with any of our RV carriers.

Can you insure my RV when it is on consignment?
Yes we can. Please call our office and speak with an agent to discuss the insurance coverage we have available for you: 800-866-0777.

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