Commercial Auto Insurance Claims
Commercial Auto Insurance Claims
How to File a Claim and What to Expect
Whether you’ve been in a major collision or a fender bender, get your business back up and running with as little downtime as possible. Here’s how.
At the Scene of an Accident
Commercial trucks can cause catastrophic damage. If you’ve been involved in an accident, follow these important steps to help keep everyone safe, settle your claim and protect you from potential insurance fraud.
- If possible, stop as close to the scene of the accident as you can without obstructing traffic
- Secure the vehicle by shutting off the engine and setting the brakes
- Activate your emergency flashing lights if they are working
- Protect the area by properly placing emergency warning devices
- If you or anyone were hurt, call 911 for medical assistance (Never move an injured person unless they are in imminent danger)
- Contact the police; they’ll send an officer if needed
- Report the accident to the motor carrier
- Exchange information with those involved
- Be polite, but avoid discussing fault (When you file an insurance claim, the adjuster will determine this)
- If your truck is not drivable, request roadside assistance
- Contact information (full names, phone numbers, email addresses, mailing addresses) and license details of all drivers
- Insurance information (company name, policy number, phone number) of all drivers
- Vehicle descriptions (make, model, color) and license plate numbers of all drivers
- Full names and phone numbers of passengers and witnesses
- Apparent injuries of anyone involved
- Accident location (street name, address, mile marker or exit number)
- Emergency service responder information, including police department (officer name, badge number, phone number, police report number), fire department and ambulance company
- The accident scene, including road conditions, skid marks, debris in the roadway and vehicle positions
- Damage to all vehicles and property
- The four corners and license plates of each vehicle involved (regardless of visible damage)
Steps in the Commercial Auto Claim Process
Even if this is your first commercial auto claim, you can rest assured that we’ll be here every step of the way to resolve it in a fast and fair manner. The basic steps you’ll encounter are below.
Step 1: File Your Claim
Please have your policy number ready.
Online
Filing your commercial auto claim online is quick and easy.
By Phone
Connecticut, Massachusetts and New Jersey Customers: 844-346-1225
Step 2: Assignment and Tracking of the Claim
After reporting your commercial auto insurance claim, we’ll assign you a claim number to help track the progress, as well as a personal representative to walk you through your policy coverage and answer any questions.
If you’re a customer in Massachusetts or Connecticut, you may track your claim online. You’ll need your policy number, federal identification number, company name and zip code to get started.
New Jersey customers may track their claims by calling 800-437-3535.
Step 3: Damage Evaluation
If your vehicle has damage and the applicable coverage applies, we offer these super-convenient options to get you back on the road as soon as possible:
- Crashbusters® Mobile Claim Service: Have a representative meet you to appraise the damage at a time and place that’s convenient for you. In many cases, you’ll receive a check on the spot.*
- Door to Door Valet Claim Service®: Let us pick up your car and handle the repair process from start to finish.
Step 4: Have Your Car Repaired and Receive Your Claim Settlement
Depending on the claim service you choose, we’ll either pay the repair shop directly or reimburse you for the insured damages, less your deductible. You may choose to receive payment via Zelle, a safe and easy mobile payment app, direct deposit to your bank account or a paper check sent in the mail. Either way, our prompt and efficient claim service will have you back on the road with your business running in no time.
If you need any additional information about the auto claims process, please contact us or read our Claims FAQs.
*Certain restrictions apply.
