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At Chubb, we understand that being involved in any type of auto accident can be a stressful experience. That's why we try to make the claims process as stress-free as possible. From the moment you contact us to report the accident straight through to when your vehicle is repaired or replaced, we'll be there for you.

Safety First

If you are involved in an accident you should report it immediately so that we can begin the process of getting you back on the road and on with your life. But before we do that, we want to make sure that you are uninjured. Call 911 or the police for emergency assistance and remain at the scene of the accident until they get there. We understand that you may be shaken up, but it's important to gather as much information as you can, including:

  • Photos of the accident scene and vehicles involved
  • Photos of surrounding area and anything that the cars may have come into contact with
  • Insurance and contact information of anyone involved or witnesses to the accident

Get Started: Filing Your Claim

The first step to recovering your loss is to file a claim. For the best reporting option, please click on our "report a claim" section

What's Next? Information Gathering

Once you submit a claim, you will be assigned your own dedicated Claim Adjuster or Examiner who will make every effort to contact you within the same day. He or she will ask you questions about the accident. Be sure to provide as many details as you can. The more information we have, the better able we will be to ensure that you receive the maximum available coverage. Your Claim Adjuster or Examiner will be your main point-of-contact throughout the claims process, working with you to obtain repair estimates, assess your vehicle for damages, set you up with a rental car if needed and answer any questions you have along the way.

Assessing the Damage: The Estimate

Your Claim Adjuster or Examiner may provide an estimate for repair to your covered damages or you may be asked to obtain an estimate from a local repair shop. If you need assistance in getting an estimate, we can refer you to a collision repair shop from our Preferred Vendor Network who will provide one for you. But we won't stop there. We will review the estimate with you. If, at any time, you have concerns or there are changes to the initial scope of work, we will go the extra mile to ensure that you are fairly compensated and that you are satisfied with your settlement.

Our Preferred Vendor Network: Starting Your Repairs

You Claim Adjuster or Examiner can refer you to a collision repair shop or dealership from our reputable network of Preferred Vendors or, if you'd feel more comfortable, you can have your car repaired at an auto body shop of your choosing. The decision is completely up to you and will not affect your claim or settlement in any way. If you're not sure which way to go, we have highlighted some of the benefits of using our Preferred Vendor Network below.

Benefits of Using Our Preferred Vendor Network

  • Provides a quick response with a representative from the shop making every effort to contact you within 24 hours.
  • Ensures a vetted and insured resource that is actively managed for safety, quality assurance, credentials, capabilities and training.
  • Includes a guarantee on the workmanship of any repairs for as long as you own or lease your vehicle.
  • Affords the luxury of having pre-qualified shops that specialize in high-end vehicles and/or are manufacturer certified.
  • Provides national access to hundred of collision repair shops and dealerships, and growing

A Return to Normalcy: Settlement and Resolution

We understand that life doesn't slow down because of an accident. That's why we make every effort to issue your claim payment within 48 hours of an agreed settlement amount.

If you have Agreed Value Coverage and it is determined that your car is a covered total loss, your deductible will be waived and our Claims Team will work toward a prompt resolution.

If it's determined that another party was responsible for damage to your vehicle, our recovery team will work tirelessly on your behalf until your deductible is reimbursed and the person(s) responsible pay for any damage or injuries sustained in the accident. This process may take several months to thoroughly investigate and reach a settlement with the responsible party's insurance provider. We appreciate your patience and will work as quickly and efficiently as we can to get resolution

In every instance, our goal is to provide you with prompt, efficient and accurate claim handling. Because we know that exceptional service is no accident.