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Reporting Steps

If you’re involved in a car accident, our main goal is to get you back on the road as soon as possible.

Call emergency services immediately if the automobile accident is serious. If no emergency is present, follow the steps below to help us ensure your claim is handled quickly and efficiently.

Obtain the name, address, insurance information and license plate number of other driver(s) involved in the accident.

Also, get the names and addresses of any witnesses of the accident.

Call the police. Do not discuss the details of the accident with anyone, except the investigating officer. Do not make any admissions or offer any payments.
Take photos (or videos) of all vehicles involved.
Contact your agent as soon as possible to report the accident.
If you’re unable to reach your agent after normal business hours, we provide an after-hours claim reporting phone service for claim emergencies.

The service is available on weekdays from 5 p.m. to 8 a.m. and 24 hours a day on weekends and holidays.

Auto FAQ

Frequently Asked Questions (FAQs)
What information do I need to obtain after an accident so I can file a claim?

The most important information includes the names and addresses of the individuals involved, the accident location, the make, model and plate number of the auto(s), names of any witnesses and if anyone was injured.  You do not need all of this to file a claim, but it is best to include as much information as possible.

What is a deductible and how much is it?

A deductible is the amount of the loss that you will be responsible to pay before benefits from the insurance company are payable.  Information regarding deductible amounts can be found under the "Coverages" section of your policy.

What happens if my vehicle is totaled?

If your vehicle is determined to be a total loss, your file handler will determine the vehicle's fair market value using methods approved by your state and payment will be made, less any applicable deductible.

Should I report the loss to Auto-Owners even if I file my claim through the responsible party's carrier?

Yes.  You should always call Auto-Owners in case our assistance is needed down the road.  Reporting the loss assures prompt handling of the claim and avoids possible problems in the future, should you be held liable for the claim.

Why is a deductible applied when I am not at-fault?

Your deductible will be applied if you are proceeding with the claim through Auto-Owners.  After all payments are made, if you are not at-fault, Auto-Owners will attempt to recover your payment from the responsible party's insurance company and reimburse you.  In some cases, you will be reimbursed for your deductible.

How Do I Report A Claim - White

How Do I Report a Claim?

To report a claim, all you do is call your local independent Auto-Owners agent-someone you know and trust. With over 90 claim offices in 26 states, we believe our claims branches should be as close as possible to our policyholders and agents.

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