Types of Claims

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.

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Filing an auto glass claim can be a difficult process, and you’re not the only one with questions about the way things work.  We make the process simple by having you contact your claims representative directly at (888) 555-5555 to get the ball rolling!  In the meantime, here are a few other notes.

 

You can schedule the repair or replacement at your convenience.

Keep in mind, the choice of where you get your repair or replacement done is yours. We recommend Safelite AutoGlass or one of its affiliate shops to provide you with a quick and easy repair option.

In most cases, they can repair or replace your glass at your home or work, or you can go to one of their shops. It usually takes less than 30 minutes for repairs and 60 minutes for replacements, though it is recommended that you don’t drive your vehicle for at least one hour after a replacement. Safelite AutoGlass even guarantees their work and cleans out your car for free!

 

Fixing your glass

If your glass can be repaired (and you have comprehensive coverage), you don’t have to pay anything. If it’s a full replacement, you may have to pay your deductible, depending on your state. Keep in mind, you might see a small blemish where the repair was completed. If you’re not satisfied, we’ll replace your windshield, but you have to pay your deductible, depending on your state.

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Coverage details can vary depending on which company you purchased your policy from. Ultimately, that company handles your claim. That’s why it’s best to contact your company (their name is listed in your policy documents). No worries if you’re not sure who your company is. Just give us a call at 1-800-776-4737, and we’ll connect you with the right experts from your company who can explain how your coverage and deductible may apply. When calling, please have your policy number ready.

 

Insurance company	Phone number
American Integrity	1-800-111-1111
American Modern	1-800-222-2222, option 1
ASI/Progressive	1-800-333-3333
Assurant	1-800-444-4444
First American	1-800-555-5555
Foremost	1-800-666-6666
Homesite	1-800-777-7777
IDS/Ameriprise	1-888-888-8888
National General	1-800-999-9999
Nationwide	1-800-101-0101
National Flood	1-888-001-0110
Progressive Manufactured Home	1-800-001-2212
QBE	1-800-202-0202
SageSure	1-800-122-2212
Tower Hill	1-800-123-4321
TRUE	1-800-321-2214

 

Your insurer may ask for photos, receipts if belongings are damaged, or even schedule time for an adjuster to inspect your home. Then, your insurer reviews the estimate with you, explaining how much repairs cost and your deductible/out-of-pocket costs.

You’re free to use any repairer or contractor you’d like to complete the repairs. If some, or all, of your damages aren’t covered, your insurer sends a letter of explanation and is available to answer any questions if you need more details.

Enjoy your newly-repaired home. Keep in mind that if more damage is discovered during repairs (that wasn’t included on the estimate), your insurer may send you another payment.

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