Frequently Asked Questions
Common questions, answered
Have insurance questions? We’ve got the answers. And to make navigating the answers easier, we’ve broken the frequently asked questions into several categories.
Once a policy is bound, we mail invoices no later than 19 days prior to the due date; however, you may sign up for electronic billing to receive your invoice sooner versus mail delivery.
It is convenient, saves time and allows you to receive bills anywhere at any time. Plus, it helps the environment.
Paying online with an electronic check (EFT) from your bank account (checking or savings subject to a $125,000 transaction limit) or with a credit/debit card (Visa, Mastercard and Discover are accepted subject to a $25,000 transaction limit) gives you the flexibility to pay how and when you want. It saves you the trouble from writing and mailing a check. In addition, for a faster payment experience, you may choose to store your information for future use.
For your convenience, all invoices are sent with a self-addressed envelope. You can also mail or overnight payments directly to: Millers Mutual, 3815 TecPort Drive, Suite 200, Harrisburg, PA 17111. Please write your account or policy number on your check or include the invoice payment slip. We are unable to accept hand-delivered payments. The most efficient way to make a payment is to pay online.
Most recent invoice information and payment options are available 24/7 at www.millersmutualgroup.com by selecting Make A Payment or by calling 1-844-627-2425. You can contact Billing Department representatives at 1-800-745-4555 option 7 or by email MMAccounting@millersinsurance.com Monday through Friday 8:00 AM to 4:30 PM; excluding holidays.
Your ten-digit account number is located on the top right corner of the first page of your invoice. Your seven-digit policy number is located on the second page of your invoice and is preceded by three letters (BOP, MPP, or UMB).
The entire premium is due by the due date on the invoice. No installment fee applies.
Minimum annual premium of $300 for eligibility
50% of annual premium is due by the due date on the first invoice
Remaining premium is due six months after the policy effective date
Maximum installment fee of $8 applies to each payment*
Minimum annual premium of $600 for eligibility
25% of annual premium is due by the due date on the first invoice
Remaining premium will be billed in three equal installments, due in: three, six and nine months after the policy effective date
Maximum installment fee of $8 applies to each payment*
The minimum annual premium is $1,800 annual premium/$150 per installment.
Premium will be billed in 12 equal installments, due each month starting on, and subsequently coinciding with the day of the month of, the policy’s effective date
Maximum installment fee of $8 applies to each payment*
NOTE: Mortgagee bill and premium finance premium payment plans are billed by the company and must be paid on an annual basis.
*A $7.50 fee applies on DC policies.
We listened! Our agents and insureds have asked for a true 12-month payment plan for quite some time. We anticipate this being a positive change in the eyes of the vast majority of all our customers.
The current “monthly” payment plan consists of 9 payments. The first payment is 20% down, and 8 subsequent installments of 10% each. The new “monthly” payment plan “12 Pay” will be a true monthly plan, with 12 equal installments.
Policies which are on our current “monthly” plan which is 20% down and 8 subsequent installments of 10% each, will be automatically converted to the true monthly payment plan “12 Pay” upon renewal effective 10/01/21 and after.
Payment due dates are based on the effective date of your policy and are unable to be changed. Installment plans can be changed, subject to minimum premium requirements and underwriter approval. Please submit these requests to your agent or email@example.com.
Yes, however, paying less than the total minimum payment amount due by the due date, as shown on your invoice, may result in a Notice of Cancellation being issued and a late fee being assessed.
A Notice of Cancellation will be issued and a Late Fee of $10 will be assessed if the minimum payment amount due is not received within 5 calendar days after the due date; after that time self-service electronic payments will not be processed. If a Notice of Cancellation is issued, please contact your agent for assistance.
Please contact your agent for assistance with a cancelled policy. A $10 Late Fee will apply, and a $15 Reinstatement Fee may apply.
If your check or electronic payment request is returned to us, a $35 Return Item Fee will be applied, and other fees may be applicable. An additional installment fee may also result from unpaid fees if invoiced separately. There will be a $4.95 Convenience Fee per credit/debit card transaction required by our payment processor. However, there is no Convenience Fee associated with electronic check (EFT) transactions.
A non-refundable fee added to a payment amount to cover various costs associated with billing and accepting your credit/debit card payment. There will be a $4.95 Convenience Fee per credit/debit card transaction required by our payment processor.
If I change my policy in the middle of the policy term or billing cycle, how will it affect my current bill?
If you make a change to your policy during the billing cycle (adding or deleting coverage), you should still pay the minimum payment amount due, as displayed on your current invoice. Any necessary premium adjustments will be reflected on your next invoice. If changes to your policy result in a credit balance for the remainder of the policy term, Millers Mutual will issue you a refund check.
Millers Mutual issues a separate account invoice for every policy you maintain with us. If you have two policies (i.e., a businessowners policy and an umbrella policy), you will receive two separate account invoices. Registering online for electronic billing and payment options through Online Bill Pay will allow the linking of two or more accounts you maintain with us for combined notification and payment options.
Account Linking means that you can link multiple accounts and view and pay all your open bills with a single transaction. When registering bills under the same email address, you are given the option to link the related accounts within the service.
Multiple first email notifications scheduled for the same day, including for different bill types, are grouped into one email rather than sent separately. Payment receipts are sent individually. Editing account information such as changing an email or password will go across all linked accounts, however, changing settings such as AutoPay or Paperless is only for the accessed account
Select Make A Payment from the navigation bar at the top of the website. You do not need a Sign In ID or Password to make a payment online, but you will need to supply your billing zip code along with your ten-digit account number. Your account number is located on the top right corner of the first page of your invoice.
Yes, an email address is required so the payment confirmation can be delivered to your email inbox.
No, registration is not required for One Time Pay. However, by registering you’ll be able to view prior history, set up automatic payment and store payment information, if desired.
If your bill is not showing, please double check that the correct information was entered in the search criteria. For example, an exact match of your full ten-digit account number is required.
You can pay with an electronic check (EFT) from your bank account (checking or savings; subject to a $125,000 transaction limit) or with a credit/debit card (Visa, Mastercard and Discover are accepted; subject to a $25,000 transaction limit). Please note there is a $4.95 Convenience Fee per credit/debit card transaction required by our payment processor.
Yes, you may use one payment method for a partial payment and another payment method(s) for any remaining partial payment(s).
Electronic check (EFT) transactions are posted to your invoiced account immediately and typically take 1 to 2 business days to reflect within your bank account. Credit/debit card transactions are posted to your invoiced account immediately and are authorized and settled immediately.
Yes, simply Sign In to your Online Bill Pay account and select “View paid or closed invoices”.
12 months is the standard retention period for payments made through the Online Bill Pay system.
Yes, you will receive an email informing you that a new invoice has been generated for you to view and pay online. If your policy has renewed, please add the current year to your policy list in the Policy Summary menu.
Yes, each invoice is presented in PDF and HTML format. Electronic storage is recommended because it saves paper and has a beneficial impact on our environment, but you can choose to print your bill.
After you submit your payment, you will see a payment confirmation screen. It will contain your payment confirmation message. It will show a processed number for electronic check (EFT) or an approved number for credit/debit cards. You will also receive a confirmation email after your transaction is submitted. The email will include your account number, amount paid and confirmation message. If your electronic check does not pass through the bank, you will receive an email informing you of the rejected payment, typically within 1 to 3 business days.
You can schedule a payment to be posted to your account at a future date by registering for your Online Bill Pay account. Once you sign in, go to My Profile and select Recurring Scheduled Payments.
One or more accounts can be paid in a single electronic check (EFT) transaction, the total of which cannot exceed $125,000. One or more accounts can be paid in a single credit/debit card transaction, the total of which cannot exceed $25,000.
Yes, you can delete a future scheduled payment using the Scheduled Payment menu. All of your scheduled payments are listed in this menu with the option to either “View Detail” or “Delete” the scheduled payment. You may also contact a Billing Department representative during normal support hours to have your future payment deleted for you.
Why does the reference number on my payment receipt differ from the reference number received from my bank?
The reference number on your payment receipt is an internal reference number. The reference number received from your bank is the ACH network trace number. We are able to research and locate your payment using either number when you call or email a Billing Department representative during normal support hours.
You can securely save your banking information in a Payment Profile at the time you are making your payment or using Payment Profile menu. You can create multiple payment profiles to be accessed with your Sign In ID if your payments could be made from more than one bank account; however, an individual payment can only access one payment profile. Use the Payment Profile tab to manage payment profiles.
For example, account number 0000001998 can be paid using Payment Profile 1 and account number 0000002003 can be paid using Payment Profile 2 in two separate payment transactions.
The Sign In ID / Username is the email address associated with your account(s).
Click on “Forgot Your Password?” at the bottom of the sign in screen. You will need your account number and email address to retrieve your password. For a forgotten password, a temporary password will be emailed to the email address on file. If you’re unable to locate this information, you may call a Billing Department representative during normal support hours and after verifying your identity, they will be able to assist you.
Your password will be locked if you enter an incorrect password 3 times. The system will notify you when the lock will be removed so you can enter the correct password. Your password needs to be reset if you do not remember the correct password.
Simply sign in your Online Bill Pay account and change your online billing information under the My Profile tab. You need to contact your agent or a Billing Department representative during normal support hours to complete a change of your billing mailing address.
Go to the My Account menu and check the email address on file. When you change the email address, an email will be sent to both the old and the new email addresses confirming the change.
AutoPay is a convenient option in which bills will be paid automatically each billing cycle on their due dates using your bank account. This will avoid any Late Fees and free you from having to remember when to pay. Sign In to your Online Bill Pay account and click on AutoPay to enroll.
This is required based on the ACH (Automated Clearing House) rules from NACHA (National Automated Clearing House Association). If you do not accept the Terms and Conditions agreement, you will not be permitted to pay online via electronic check (EFT).
The AutoPay date will not appear on the home page under Upcoming Scheduled Payments. However, when on the Scheduled Payments page, AutoPay will show.
Scheduled payments are individual payments that are scheduled for a specific date prior to the bill due date. The date of a scheduled payment can be changed as long as it is adjusted before the date scheduled.
AutoPay is an automated process which pays your minimum payment due in full each billing cycle on the due date from your bank account. Scheduled payments are manually entered by you for the date you choose to be paid from your bank account or your credit/debit card.
You will want to contact your bank and cancel your bank’s automated bank draft before the payment is due and then Sign In to your Online Bill Pay account so that you can choose to enroll in AutoPay using a bank account or Recurring Scheduled Payments, using a bank account or credit/debit card. Enrollment in AutoPay will be completed by acknowledging an email confirmation notice sent to you.
You will receive an email notification each time a new bill is ready for you to view and pay. Email notifications go to the email address used when you registered. A courtesy email address may be added if you wish to send notifications to an additional email address. Enrollment in Paperless will be completed by acknowledging an email confirmation notice sent to you.
Pay by Text is a convenient way to pay your bill by text message. When signed up for Pay by Text, bill notifications will be sent by text message (this is in addition to email notifications) and you will then have the option to pay via text message with your default payment method by simply replying. You may enroll in Pay by Text when making an online payment or by accessing your account and selecting the Pay by Text option. A confirmation request will be sent to you in order to complete your enrollment.
Our payment processor uses the highest standards in Internet security. Account information displayed within the payment portal is truncated to protect confidential data. Any information retained is not shared with third parties.
Absolutely. Our payment processor will safely store your financial information using Payment Card Industry (PCI) Compliant systems. This includes truncating (abbreviating) account numbers so that even we do not see your complete account information.
PCI stands for Payment Card Industry, and compliance with the industry standards is a requirement for those that accept the major credit cards and for software providers who have applications which involve the transmission and/or storage of credit card information.