Filing an Auto Claim

Filing a car insurance claim can be a difficult process, and you’re not the only one with questions about the way things work. Below are answers to some frequent questions that might help when you’re filing your own claim. If you don’t see the answer you’re looking for, you can always contact your claims representative for more information and guidance throughout the process.

Will you pay for a rental while my car is in the shop?

We offer an optional coverage that can pay for some or all of your rental car fees. Just check your policy or work with your claims rep to see how your coverages apply. Even if you don't have coverage for rental car fees, your claims rep can still help you find a rental and offer you a discount.

How is fault determined?

Liability, or fault, will be determined based on state laws and the circumstances of the accident. Depending on the facts of the loss, there may be shared responsibility.

Who pays my deductible if I'm not at fault?

If another person is found to be at fault for the accident, we'll work with you to make sure either they or their insurance company pays for your damages and losses and recover any money you may have paid toward your deductible or repairs. We can't promise that we'll always be able to recover your deductible from the other insurance company or driver, but we'll do our best to make it happen. If there is shared responsibility, the amount you receive back may be prorated.

Do I have to report an incident or claim?

We encourage you to contact us any time you have a loss, especially if you're looking to get something repaired. Technically, you’re required to report a claim even if it's not your fault. We're here to protect your interests and help when you're involved in an auto accident, no matter who was at fault. Reporting a claim is particularly important when people are injured or there's damage to another person's car or property. The best way for us to protect you is to open a claim. When you report a claim, we'll gather some basic information, then assign a claims rep to you. They'll provide more details on the claims process and answer any questions.

You can file a claim by logging in to your policy, using our mobile app, or by calling our claims center.

If you're not a customer, you can file a claim online as a guest or call us to report your claim.