Whether you’re a SafeAuto customer or you're filing a claim against one of our policyholders, we're here to help you every step of the way. Click below to get started.

SafeAuto Policyholders

Log into your SafeAuto account to report a new claim online. Sign In or Sign Up

You may also call our claims department 24/7 at 1-800-723-3288 to report a new claim or chat with a claims representative to get quick answers regarding a new or existing claim.

Virtual Assistant is 24/7 and live agents are available M-F 8am-8pm ET. Chat with Claims Now

Not a SafeAuto Policyholder?

Please call 1-800-723-3288 to report a new claim at any time.

Report a Claim by Phone


Being involved in an auto accident can be scary but knowing what to expect of the claims process can make navigating the situation a little easier. Continue reading for some FAQs and important information you should know.

What information do you need to report your claim?
Report a Claim Checklist
  • Date, time, and location of the accident
  • Names, addresses, and phone numbers of all drivers and passengers involved in the accident, making a note of any who may have been injured
  • Year, make, and model of all involved vehicles
  • Any insurance information you obtained from other involved parties
  • A brief summary of how the accident occurred
Should a police report be filed?

We recommend you contact the local authorities to report an accident. This will help document the facts of the accident. If the police will not respond to the scene, contact them in person to file a report.

Should you report a claim even if you filed through the responsible carrier?

Yes, you should always report the loss to SafeAuto. This ensures we have proper information for the loss in case an issue should arise in the future.

What is the claims process?
  1. Report your claim to SafeAuto. Called the First Notice of Loss (FNOL), this is the first notification to SafeAuto of the claim.
  2. After the claim is reported the investigation into the claim begins. This is usually conducted by a claims adjuster and may include talking to all parties involved, reviewing police reports, reviewing the accident scene, reviewing damages to vehicles, securing witness statements and conferring with appraisers.
  3. After the investigation is concluded the resolution will be given. Depending on the results of the investigation a claim can be resolved with multiple possible outcomes including repair, total loss, payment, or even litigation if necessary.
You can’t get in touch with your adjuster. What should you do?

If you are unable to contact your assigned adjuster by phone or email, you can also email Claims@Safeauto.Com or ask to speak to your adjuster’s supervisor.

How does SafeAuto determine who is at fault for an accident?

Fault is determined through a thorough investigation of the facts and circumstances of the loss. An evaluation is completed with the applicable state’s driving laws in mind.

How is it determined if you have coverage for an accident?

Coverage is determined by applying the facts and circumstances of the loss to the terms and provisions of the policy, as well as any provisions of law that may be applicable.

When should you expect to receive payment for my claim?

Payment is issued after policy coverage is confirmed by the investigation and the nature and amount of loss is determined.

Will your lienholder be included on the payment?

Payments to lienholders are governed by the nature of the loss, the terms of the policy, and state law. Where appropriate, the lienholder’s interests will be protected.

How do you get your vehicle repaired?

You may get your car repaired at the repair shop of your choice. The SafeAuto team of adjusters and appraisers will work with you and your repair shop to determine the appropriate amount of the damages.

What if additional damage is identified after the initial estimate is completed?

The repair shop will contact the appraiser to discuss additional damages. The appraiser will work with the repair shop to determine if a supplemental estimate is needed. If additional damages are agreed upon with the shop SafeAuto will issue an additional payment for damages.

How is a vehicle determined a total loss and what happens to the vehicle?

To determine whether a vehicle is a total loss, the cost to repair the vehicle is compared to the Actual Cash Value of the vehicle. State law and the provisions of the policy govern the total loss determination. If a vehicle is deemed a total loss, a claims representative will determine the fair market value of the vehicle, which is mandated by the state. Payment, minus any applicable deductible, will be made. If there is no loan on the vehicle, it is possible for the vehicle to be retained by the owner. If there is a loan on the vehicle, the title can be transferred to SafeAuto.

What should you do if you receive a legal document such as a summons or complaint?

Your policy requires that you immediately contact SafeAuto and provide us with copies of the documentation you received. Failure to do so could jeopardize your rights under the policy.

Just like every policyholder is unique, so is every claim. SafeAuto understands that being involved in an auto accident is stressful and can put a strain on all involved. SafeAuto works hard to ensure that each claim is investigated fully and resolved in the appropriate manner as quickly as possible