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Auto Insurance Claims
If your vehicle is damaged, we’re ready to help
We know how much your vehicle means to you – it's how you travel to and from work, run errands, visit friends or go on vacation. We want to get you back on the road as quickly as possible after a covered loss. That’s why we’ll work with you to have your vehicle repaired or replaced in a timely manner.
We make it easy for you to report a claim, and if someone else is fully responsible for your loss, we will do everything we can to recover your deductible. Please contact us by phone, email, online or through our mobile app as soon as possible to report your auto insurance claim.
In addition, we’re committed to helping make the road a safer place. Visit Prepare & Prevent to access valuable information about safe driving and vehicle maintenance.
Guiding you through the claim process
Essential steps to follow if you've been involved in an auto accident
- Move out of the way of traffic, and turn on your hazard lights.
- Call the police, even if it is a minor accident. If someone is injured, request medical assistance. If fire is involved, request fire department aid.
- Exchange information with the other driver(s). Don’t forget to write down the license plate numbers of all involved vehicles. If it's safe to do so, take pictures of the accident scene and the involved vehicles.
- Report your claim anytime to Travelers online or by calling 1.800.Claim33. The sooner you report, the sooner we can help.
- If you can't report your claim right away, you can record the details of your accident on our accident report worksheet.
I just reported my auto insurance claim. What can I expect to happen next?
Your Travelers Claim professional will contact you shortly to walk you through the claim process, evaluate your coverage and assess the damage to your vehicle. We want to resolve your claim as quickly as possible. If you have questions or concerns at any point during the claim process, contact your Travelers Claim professional directly, or review the online educational tools here in our Claim Center.
In need of a repair shop? Just use the tool on the right to locate an auto repair shop near you, including our ConciergeCLAIM® locations.
What you need to know about the repair process and your estimate
Depending on the type of damage, your Travelers Claim professional may need to schedule a time to inspect your vehicle to determine what needs to be repaired or replaced. Travelers will always replace damaged safety-related parts (e.g., airbags and tires) with new parts.
It is not uncommon for additional damage to be found after the repairs have begun. The repair facility will make a list of the additional damage and contact Travelers to review it before repairing any damage not included in your estimate. Your chosen repair facility and your Travelers Claim professional will discuss the difference in estimates and work together to make sure quality repairs are performed on your vehicle.
For more information about your estimate, refer to our guide to understanding your auto estimate. Still have questions? Contact your Travelers Claim professional.
Still in need of a reputable repair shop?
You always have the right to decide where your vehicle will be repaired. If you don’t have a repair shop in mind, you may want to ask your Travelers Claim professional if there’s a body shop near you that participates in our ConciergeCLAIM® program. If you choose ConciergeCLAIM, Travelers’ managed repair option, our partner body shops offer prompt, quality repairs that are guaranteed for as long as you own your vehicle.
I was not at fault. What happens to my deductible?
Every accident is different and requires a thorough investigation. Please contact your Claim professional with any questions or concerns about your deductible.
What if my vehicle is a total loss?
We will let you know as soon as possible if your vehicle is a total loss, and we will provide you with a copy of the total loss evaluation. Visit our total loss page for more information and answers to frequently asked questions.
What does the term "subrogation" mean, and how does it affect me?
Occasionally, another person may be responsible for the damage to your property. If so, Travelers may seek reimbursement from that other person or that person’s insurance carrier. Travelers’ pursuit of reimbursement is referred to as “subrogation.” We may need your cooperation with this effort. If there is a recovery, you may receive reimbursement for some or all of your deductible.