phone icon Get a Quote Find an Agent
Call Us 707-576-5120   |   Toll Free 1-866-477-4225 Get a Quote File a Claim
Logo
☰
  • Insurance
    • Vehicle
      • Personal Auto Insurance
      • RV & Boat Insurance
      • More Vehicle Insurance
    • Home
      • Home Insurance
      • Renters Insurance
      • Dwelling Fire Insurance
      • More Home Insurance
    • Business
      • Business Owners Insurance
      • Business Auto Insurance
      • Workers' Compensation Insurance
      • More Business Insurance
    • Additional Insurance
      • Life & AD&D Insurance
      • Pet Insurance
      • Payment Protection
      • More Options
  • About Us
    • Meet Our Agents
    • RCU Partnership
    • Blog
    • FAQs
  • Contact Us
  • Upload Documents
  • Insurance›
    auto Vehicle
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
    home Home
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
    business Business
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Comp Insurance
    • More Business Insurance
    umbrella Additional Insurance
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
  • About Us›
    Meet Our Agents RCU Partnership Blog FAQs
  • Contact Us
  • Upload Documents

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

RCU Insurance Services

 

Home > Blog > How to File a Commercial Auto Insurance Claim
WEDNESDAY, OCTOBER 27, 2021

How to File a Commercial Auto Insurance Claim

white commercial vanIf 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.

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 12:31 PM

Tags: commercial auto
Share |


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
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • auto insurance(24)
  • home insurance(13)
  • business insurance(13)
  • renters insurance(11)
  • homeowners insurance(9)
  • homeowners(7)
  • insurance(6)
  • renters(5)
  • bop(4)
  • coverage(4)
  • rv(3)
  • workers compensation(3)
  • recreational(3)
  • automobile(3)
  • business(3)
  • bop insurance(3)
  • business owners policy(3)
  • restaurant insurance(3)
  • policy(3)
  • liability(2)
  • cyber insurance(2)
  • life(2)
  • life insurance(2)
  • belongings(2)
  • contractors insurance(2)
  • health insurance(2)
  • farm insurance(2)
  • boat insurance(2)
  • dwelling fire insurance(2)
  • commercial auto insurance(2)
  • terms(1)
  • disaster(1)
  • workers compensation insurance(1)
  • natural disasters(1)
  • safety(1)
  • crop insurance(1)
  • whole(1)
  • wedding insurance(1)
  • umbrella insurance(1)
  • restaurant(1)
  • gap and mechanical breakdown insurance(1)
  • commercial auto(1)
  • renter's insurance(1)
  • fraud(1)
  • personal umbrella(1)
  • professional liability(1)
  • gap protection(1)
  • grill(1)
  • homeowenrs(1)
  • natural(1)

View Mobile Version
  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.