The Auto Claim Process
Need Help with Your Existing Claim?
If you have already filed your claim, you can contact your adjuster during local regular business hours:
Monday - Friday
8:00am-5:00pm
800-353-6737
Please have your adjuster extension and claim number ready.
Ask your adjuster about two-way texting for claim updates, document sharing, and more.
Auto Claim - FAQs
Once you have filed your claim, you can contact your adjuster by phone. For Auto claims, ask your adjuster about two-way texting for claim updates, document sharing, and more.
Auto, Home and Commercial Auto | American Access Casualty |
We encourage you to contact us any time you have a loss. We are here to protect your interest and help when you are involved in an auto accident, no matter who is at fault. Once you report a claim, a claim adjuster will be assigned to explain the claim process and answer any questions.
You should file your claim as soon as possible even if you do not have all the necessary information. Here are some of the items we typically ask for:
• 51ÂÒÂ× policy information
• Your contact information
• Date and time of incident
• Description of incident
• Contact information for drivers, passengers, and witnesses
• Police Report if available
• Photos of vehicle damages or scene of accident
• Description of damages to vehicle or property
• Description of injuries
Your claims adjuster will work with you to determine the type of inspection needed. Here is a list of possible options:
• Your adjuster will provide a link to upload photos of damages
• Appraiser assigned to inspect your vehicle
• Inspection performed by 51ÂÒÂ× Repair Network partner
• Inspection performed by your own repair shop
You have the choice of where to have your vehicle repaired. Your claims adjuster will walk you through the options and explain the process.
If you need help finding a shop, you can choose one from our 51ÂÒÂ× Repair Network
Your repair shop will contact 51ÂÒÂ× to discuss any additional damages discovered during the repair process. An additional estimate may be needed for any covered damages.
The choice is yours. If you do not own your vehicle, check with your lien holder or leasing company before making any decisions. If you don’t repair, we will issue payment to you minus your deductible.
51ÂÒÂ× policy holders, check your policy for rental reimbursement coverage. Your claims adjuster will discuss the available options and can assist in scheduling a rental vehicle if coverage applies.
51ÂÒÂ× policy holders, check your policy for specific limits of rental reimbursement coverage. If you need to extend the rental period, you may be responsible for the additional expense.
When there are extensive damages and it is not practical to complete repairs to your vehicle, it may be determined to be a total loss. In preparing to resolve the total loss of your vehicle, follow these steps:
• Clean out your vehicle of all your personal items
• Leave your keys with the vehicle at the storage location or repair shop
• If your vehicle is located at a wrecker yard, release the vehicle to 51ÂÒÂ× Insurance
Each claim is different and can include multiple factors that determine how long your claim will take. Contact your claims adjuster at 800-353-6737 to discuss the details of your claim.
Yes, when you file a claim on your policy, you are responsible for paying your deductible.
Payment is made once coverage is confirmed and the investigation is complete. It will be made to you minus any applicable deductible. Payment may be made to your leasing company or lienholder if you do not own your vehicle.