How do I file a car insurance claim with Auto-Owners? (2024)
If you're wondering how to file a car insurance claim with Auto-Owners, call the customer service phone number at 1-888-252-4626. Once submitted, you can check the status of your claim online. We'll help you contact the Auto-Owners claims department and understand the claims process below.
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Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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UPDATED: Jan 28, 2024
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UPDATED: Jan 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto-Owners recommends calling your independent agent to file a claim
- Call Auto-Owners customer service at 1-888-252-4626
- Your agent will assign an insurance adjuster to evaluate the damage
You can file a car insurance claim with Auto-Owners by contacting their customer service phone number at 1-888-252-4626. Auto-Owners is one of the best car insurance companies for paying claims and received a good rating of 890 out of 1,000 from J.D. Power for customer satisfaction.
If you’re wondering how you file a car insurance claim with Auto-Owners, policyholders work with independent agents to process car insurance claims.
How to File a Claim with Auto-Owners Insurance
Follow our guide on how to file a car insurance claim to initiate the process. You will take the following steps:
- Provide claim and policy information. Give your local agent this information: 1) the location and time of day of the accident, 2) photos of the damages, 3) a copy of the police report, and 4) contact and insurance information about the other driver(s) involved in the accident.
- Receive a claim number. Your agent will assign an insurance adjustor to work on your car insurance claim and give you the claim number assigned to your case, which you will need to track your Auto-Owners insurance claim status.
- Track your claim. Your agent will give you updates regarding the claim’s progress, and you can track the claim online or by using the Auto-Owners mobile app.
While you have to reach out to an agent to file most car insurance claims with Auto-Owners, a claim for broken glass may be filed online.
Read More: Does my car insurance cover damage to my windshield?
The next step after filing your claim is to get the damages inspected.
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What to Expect From an Auto-Owners Insurance Adjustor
The Auto-Owners insurance adjuster will contact you to make an appointment to inspect the damages. The adjuster determines the extent of any necessary repairs. This information helps prepare an estimate for the insured damages. If you plan to use your regular auto mechanic to make the repairs, you are welcome to have the mechanic participate in the inspection process.
Claim Estimate
After analyzing the damages, the adjuster creates a written repair estimate. The insurance company reviews the file to ensure the information is accurate and the estimate is reasonable. You can ask a senior adjuster to review the case file if you dispute the amount.
Challenges may arise when the repairs needed are hidden. Sometimes when making repairs, more damage is discovered when removing or replacing parts on the damaged vehicle. If the mechanic discovers more repairs are needed than initially estimated, the inspection process needs to be repeated.
Paying for Vehicle Repairs
Once you agree with the insurance company’s written estimate of the repair cost, you decide where to have the damage repaired. You must pay your car insurance deductible out-of-pocket to get the repairs made.
If the repair shop you use charges more than the insurance company estimate, you’re also responsible for paying the difference unless the difference is caused by hidden damage that requires a new inspection.
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After the repairs are approved, you can receive payment via electronic means. The payment options are direct deposit into your checking or savings account, Venmo, or PayPal. The company also offers payment by Auto-Owners Claim Card, which is a Visa debit card.
Learn more about how Auto-Owners processes claim payments and how much it could raise the cost of car insurance after a claim in our Auto-Owners insurance review.
Filing a Claim with a Local Agent of Auto-Owners
Auto-Owners is an excellent choice for full coverage car insurance due to its high claims and customer satisfaction. The company has more than 100 claims offices in 26 states, making it easy to file a car insurance claim with Auto-Owners. (Read More: Best Car Insurance by State)
You can ask your local agent to help with your claim and keep you informed about its progress. If your Auto-Owners insurance rates are too high after filing a claim, compare car insurance companies online to find more affordable coverage.
Read More: Car Insurance Coverage: An Expert Guide
Frequently Asked Questions
How do I make a claim with Auto-Owners?
Contact the Auto-Owners customer service number at 1-888-252-4626 to file a claim.
How do I find a local Auto-Owners agent?
You can find an agent using the online Auto-Owners agent locator if you do not know your local agent.
Can I track my Auto-Owners claim status?
Yes, visit the Auto-Owners website and create an account to check on the status of your auto insurance claim.
How long does it take to process a claim at Auto-Owners?
Auto-Owners provides 24-hour claim processing services, including weekends and holidays. The company’s stated policies are to pay what the company owes on every claim as soon as it can and to be the best provider of claim service in the industry.
Does Auto-Owners write in PA?
Yes, Auto-Owners car insurance coverage is available in 26 states, including Pennsylvania. (Read More: Best Pennsylvania Car Insurance)
How do I argue an auto insurance claim?
Gather your documentation and file an appeal against your Auto-Owners car insurance claim if you feel the payout was inadequate.
Why would insurance deny a claim?
Insurance companies deny claims for several reasons, including policy exclusions, lack of evidence, or a policy lapse.
What do I need to know before making a claim?
Before filing a claim, it’s important to do the following:
- Ensure you haven’t exceeded your time limit for filing.
- Check your policy details.
- Gather all information related to your claim, including the incident date, location, description, and photos.
Will my insurance increase after a claim?
Yes, even if you weren’t at fault, you’ll likely still see higher rates for filing a car insurance claim with Auto-Owners.
Is it worth making a small insurance claim?
If your repair costs are lower than your deductible, it’s best to pay out of pocket and avoid filing a claim.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.