We're here when it matters most.
Report a claim online any time, check its progress from your dashboard and get clear guidance on what to do next.
What to do first.
Follow these steps in order. They protect you and make your claim faster.
- Get safe and get helpMove to safety and call 911 if anyone is hurt.
- Prevent further damageTurn off water, cover openings and secure the area if it's safe to do so.
- Document everythingTake photos and video, note names, plates, witnesses and a police report number.
- Report the claimFile online or call us. Have your policy number ready.
- Work with your adjusterUpload requested documents and track progress in your dashboard.
Guidance for your claim.
Choose a claim type for the immediate actions, steps, documents and photos you'll need.
Auto claims
Immediate actions
- Check for injuries and call 911 if needed
- Exchange information with other drivers
- Photograph vehicles, plates and the scene
Photo & evidence
Photos of all vehicles from four angles, close-ups of damage, the scene and road conditions.
Claim steps
- Report the claim online or by phone
- An adjuster contacts you within one business day
- Get an estimate at a repair shop
- Repairs are approved and paid
Required documents
- Police report number
- Other driver's information
- Repair estimate
- Rental receipts if applicable
Glass claims
Immediate actions
- Avoid car washes until repaired
- Cover a broken window to keep weather out
Photo & evidence
A clear photo of the chip or crack with a coin for scale.
Claim steps
- Report the glass claim
- Choose a repair partner or mobile service
- Repair is completed — often same day
Required documents
- Policy number
- Photo of the damage
Home claims
Immediate actions
- Stop the source of damage if safe
- Make temporary repairs and keep receipts
- Don't throw away damaged items yet
Photo & evidence
Wide shots of each room, close-ups of damage, serial numbers of electronics and the source of damage.
Claim steps
- Report the claim
- An adjuster inspects the damage
- Receive your estimate
- Repairs and payment
Required documents
- List of damaged items
- Repair estimates
- Receipts for temporary repairs
- Police report for theft
Renters claims
Immediate actions
- Notify your landlord
- Secure your belongings
- Report theft to police
Photo & evidence
Photos of damaged items and the affected area.
Claim steps
- Report the claim
- List damaged or stolen items
- Adjuster review
- Payment for covered items
Required documents
- Inventory of items
- Receipts or proof of ownership
- Police report for theft
Condo claims
Immediate actions
- Contact your HOA or property manager
- Prevent further damage inside your unit
Photo & evidence
Photos of interior damage, improvements and personal property.
Claim steps
- Report the claim
- Coordinate with the HOA master policy
- Adjuster review
- Repairs and payment
Required documents
- HOA contact and master policy info
- Repair estimates
- Inventory of items
Commercial claims
Immediate actions
- Ensure employee and customer safety
- Secure the premises
- Document lost business time
Photo & evidence
Photos of property, equipment and inventory damage.
Claim steps
- Report the claim
- Adjuster contacts your business
- Submit loss documentation
- Settlement
Required documents
- Financial records for lost income
- Inventory and equipment lists
- Incident or injury reports
Life claims
Immediate actions
- Gather the policy number if available
- Obtain certified copies of the death certificate
Photo & evidence
Not usually required.
Claim steps
- Notify us of the loss
- Beneficiaries complete claim forms
- Documents are reviewed
- Benefit is paid
Required documents
- Certified death certificate
- Beneficiary claim form
- Beneficiary ID
Other claims
Immediate actions
- Keep yourself safe
- Document the incident
Photo & evidence
Any photos that show the incident and the damage.
Claim steps
- Report the claim
- An agent reviews coverage
- Next steps are confirmed
Required documents
- Policy number
- Description and photos
Stuck on the road?
Eligible auto policies include towing, jump-starts, flat-tire changes, fuel delivery and lockout help.
Call 1-800-555-0199Treating a policyholder?
Submit bills and records for an existing claim, or request claim and coverage information.
Provider supportSevere weather in your area?
Storm, flood and wildfire updates, temporary housing help and priority claim handling.
Prepare & recoverClaims FAQs
How long does a claim take?
Simple glass and auto claims often close within days. Property and liability claims can take longer depending on inspections and documents.
Will filing a claim raise my premium?
It depends on fault, claim type and your carrier's rules. Your agent can explain what to expect before you file.
Can I file for someone else?
Yes. Enter the policyholder's details and your relationship. We may contact the policyholder to confirm.
Where do I upload more documents?
Open the claim in your member dashboard and use "Upload documents" next to any outstanding item.