Call Us 630-830-4500 ☰ ˟
Logo
Call Us: 630-830-4500
Español
  • Main Menu
    • Home Page
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • Our Locations
    • Contact Us
    • Privacy Policy
  • Get A Quote
    • Auto Insurance
    • Business Owners (BOP)
    • Commercial Auto Insurance
    • General Liability Insurance
    • Motorcycle Insurance
    • Watercraft Insurance
    • Workers Comp Insurance
  • Locations
  • Resources
    • Customer Service
    • Payment Options
    • Report A Claim
  • Contact Us
  • About Us
    • Refer A Friend
    • Join Our Newsletter
    • Our Carriers
    • Blog
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business & Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Motorcycle Icon

Motorcycle

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV & Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > How to File a Commercial Auto Insurance Claim
FRIDAY, SEPTEMBER 30, 2022

How to File a Commercial Auto Insurance Claim

If your business owns or uses vehicles for work, you likely have commercial auto insurance policy to protect against damage and financial loss. A lot of the coverages, and the way these claims are filed, are similar to personal auto insurance.

Car being towed
The main difference is that the driver of a commercial vehicle isn’t always the policyholder. If an employee gets into a wreck while driving a company’s commercial vehicle, they will have to speak with their employer, who will then help to file a commercial auto insurance claim.

Document Everything.
The employer must be able to offer as much information about the accident as possible. The when, where, how and who is critical. Employees involved in an accident should keep record of the accident and report immediately to their employer after receiving medical attention as necessary. This will help the claims process.

Have the Vehicle Inspected

Any time a commercial vehicle is involved in an accident, it should be inspected by a professional. This can give you an idea of the damages and costs of repairs. If the cost of repairs amount to less than the cost of your commercial auto insurance deductible, you may not want to bother filing an auto insurance claim. On the other hand, if the cost of repairs are significantly higher than the price of your deductible, you may want to file a claim for compensation.

 

Review Policy and Contact Insurance Agency

Double check the coverage available on your commercial auto insurance policy to make sure that the damages (and injuries) are covered. Commercial auto insurance policies often have the same exclusions and limitations as personal auto insurance policies. Once the vehicle has been appraised and the policy reviewed, contact your insurance agent. Provide them with as much information as possible, including pictures and a police report, if filed. This will help determine fault of the accident (if your business operates within a fault state) and how much compensation your business is entitled to.

File a Timely Claim 

There is usually a time period in which you must file a claim to be entitled to compensation. It varies per policy, but it is generally within 30 days after the accident occurs when you must file a claim. Waiting too long can cause your claim to be denied and compensation for damages or injuries withheld.
Always make sure medical attention for all parties is sought immediately.

 
Posted 3:08 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(6)
  • auto insurance(4)
  • renters insurance(3)
  • general liability(3)
  • auto(2)
  • home insurance(2)
  • coverage(2)
  • autumn(1)
  • liability(1)
  • interruption(1)
  • homeowners(1)
  • recreational vehicle insurance(1)
  • belongings(1)
  • general liability insurance(1)
  • property(1)
  • business(1)
  • commercial auto(1)
  • commercial(1)
  • winter(1)
  • driving(1)
  • car(1)
  • boat insurance(1)
  • policy(1)
  • preparations(1)
  • costs(1)
  • homeowners insurance(1)
  • business insurance(1)
  • commercial insurance(1)
  • commercial auto insurance(1)
  • winter tips(1)
  • renters(1)
  • home(1)

View Mobile Version

Contact Us Today!
630-830-4500

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1807 West Irving Park Rd
Hanover Park, IL 60133

P: 630-830-4500
© Copyright. All rights reserved. | Powered by Insurance Website Builder