Knowing what's next helps. Really.
We pride ourselves on taking really good care of our customers who have just had an accident, or had some other problem that requires filing a claim. But we recognize that part of feeling in control is knowing what to expect — and in what order. So here is an explanation of the steps to filing a claim and getting your car, truck or SUV back on the road in style.
The quick overview:
- Report your claim by calling 800.342.5342 any day, any time
- Talk with the adjuster by phone to describe the incident
- Take your vehicle to a body shop for an estimate, or have us create one
- Receive your settlement check (in most cases, less the deductible)
- Get the damage fixed
- Pay for and pick up your vehicle
- Have your vehicle re-inspected afterwards, if requested
If you have a car loan (lien), the settlement check must be jointly issued to you and your lien holder.
The detailed version:
1. Reporting your claim
How do I report my accident?
- Call us at 800.342.5342, any day or time or Start your Claim online
- Please do not call from the scene of the accident — you may be distracted by police, tow trucks, or other involved parties
- You won't need detailed information at this time, that'll come later
2. Processing your claim
Who will I deal with?
- Typically, the licensed adjuster you reported the accident to will investigate and process your claim
- If your claim needs to be assigned to another adjuster, that person will contact you as quickly as possible to get things moving.
What kind of information will I need to provide?
- The driver will need to provide a spoken statement of the accident details
- The statement may be recorded to support any liability findings
- You will be asked about passengers, injuries, damage to your vehicle, citations, and information you may have about other parties in the accident
Were police at the scene?
- If so, we'll need to know which police department and the report number, if available
- Your adjuster will request a copy of the police report
- You can help speed the process by getting a copy of the report and sending it to us
How is fault determined?