When something goes wrong, we move first.
Report a loss any hour of any day. An adjuster is assigned within four business hours of first notice, and you do not need to sign in to start.
Report a claim
Online, no account needed. Or call 1-800-874-3368, staffed 24/7.
Report now Already reportedCheck claim status
Look up an open claim with your claim number and last name.
Check status Something look wrongReport suspected fraud
Tell our special investigations unit about a claim you believe is not legitimate.
Report fraudWhat you can expect from us, not just of yourself.
From first call to final payment.
The sequence is the same whether you call or report online. What happens at each step differs by line of business — see the specifics below.
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Report the loss
Call 1-800-874-3368 or report online. Have ready, if you can: your policy number, the date and location of the loss, a description of what happened, a police report number if one exists, the other party’s details, and any photographs. We can still find your policy without the number.
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An adjuster is assigned
Within four business hours of first notice, a named adjuster is assigned to your claim and contacts you directly — not a queue, not a portal message.
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We assess the loss
What this looks like depends on what was damaged: a vehicle inspection and repair estimate, an emergency mitigation crew at a property, or a first appointment with a workers’ comp panel physician.
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Payment is issued
Our median first payment on an auto physical damage claim is 4.2 days from report. Property and workers’ compensation timelines vary with the scope of the loss, and your adjuster will tell you what to expect for yours.
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The claim is closed
Once repairs are complete, the property is restored, or a return-to-work plan is confirmed, your adjuster closes the claim and sends you a final summary.
The specifics differ. The four-hour promise does not.
Personal auto
Towing and a rental are coordinated the same day when your policy includes them. Use any licensed repair shop, including one of ours. A total loss is valued against comparable local listings.
Property & CPP
Emergency mitigation — board-up, water extraction — is approved immediately to stop the loss from growing. Keep receipts and a photographed inventory of damaged property. Business income and spoilage are covered where your policy includes them.
Workers’ compensation
Report an injury within 24 hours. Our nurse triage line is answered around the clock and directs care immediately. Treatment starts with a physician from your panel, and a return-to-work plan begins from the first visit.
For the losses that do not wait their turn.
Catastrophe response
After a declared catastrophe across our footprint, mobile claims teams deploy into the affected area. Policyholders there are contacted proactively rather than waiting on hold with everyone else.
Roadside assistance
Where your auto policy includes it, one call arranges a tow, a jump start, a lockout release or a flat-tire change — the same 24-hour line as any other claim.
The day you need us is the only day that counts.
Common claims questions
Anything else? Call 1-800-874-3368 — the claims line, like the claims themselves, does not keep business hours.