The Claims Process

This section will give you an idea on how the claim process works. These are the beginning steps we follow to ensure timely claim administration. Additional steps follow, depending on the claim scenario, after this initial process. Please contact your claim adjuster for more details.

Physical Damage

1. First we recommend you file a claim online or by contacting us at (800) 452-7743 ext. 248
2. The instant your claim is processed, we expedite the information to a qualified independent appraiser. The appraiser will contact you within 24-48 hours to set an appointment with you or your shop choice. (The appraiser is a trained professional that produces an appraisal/estimate that justifies the cost of repairs to the vehicle).
3. At the same time this is being processed, the adjuster (The file handler that coordinates the entire claim process) will send out an acknowledgment letter enclosed with a Loss Report for you to complete or you many simply download the form from this site.
4. Your assigned adjuster will advise you of the next step as every claim has different qualifications for payment. If you are our insured, please be advised that your appraisal/estimate is subject to the policy deductible ($500 or $1000), which you pay directly to the shop choice.

• There was property damage of more than $500 or
• Anyone was injured (no matter how minor) or
• Anyone was killed.

Each driver must make a report to DMV within 10 days, whether you caused the accident or not and even if the accident occurred on private property. Mail the completed report form to the address on the SR-1 form.

You can read the California Driver Handbook "Reporting The Accident To DMV" for additional information.

G.A.P. (Guaranteed Auto Protection)
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There are five items needed to process your GAP claim. Due to privacy laws, you must acquire this information from your lender and insurance institution. These items may be mailed or faxed to our office (Please go to "Contact Us" for office info.).

1. Copy of sales contract/lease agreement
2. Lien holder payment history, including net pay-off as of the date of loss
3. Insurance company policy declaration (To verify your deductible)
4. Insurance company vehicle valuation (i.e. ADP or CCC report showing vehicle value)
5. Copy of Insurance company settlement check

GAP will cover a maximum of 130% to 150% (depending on your contract) of your vehicle's actual cash value or market value (determined by insurance company). Some contracts also contain additional coverage, such as the Vehicle Replacement Benefit ($500 or $1000 used towards your next vehicle at the same dealership). Another coverage offered with most of our contracts is the Deductible Reimbursement (reimburses up to $1000 towards your deductible).