Insurance Claims FAQ

Filing a claim is usually necessary after an accident, especially if you are at fault. In many covered claims, you typically only pay your deductible and we handle the rest. In many covered claims, you typically only pay your deductible and we handle the rest.

The time limit to file a claim differs from state to state, but it is always a good idea to file as soon as possible. The sooner a claim is reported, the sooner we can begin investigating the loss and evaluating available coverages and damages. Please keep in mind that your claim is always subject to the terms of your policy, the type and amount of coverage you purchased, and the circumstances of the accident.

The fastest and easiest way to obtain an estimate is to visit an auto repair shop. However, in some cases, an adjuster will inspect the vehicle and write the estimate themselves. Your claims adjuster will help you decide which option is best.

There is no standard time frame for the claims process. It can take anywhere from a few days to several months depending on several factors, such as the severity of the accident and the extent of the investigation. However, straightforward, undisputed claims with minor damages are usually resolved in a few days.

You can get updates on your claim by calling your claims adjuster.

The auto shop will submit a supplemental estimate, which the adjuster will review. If the additional costs are warranted and covered, an additional payment will be issued.

We offer Personal Auto Insurance, Renters Insurance, and several different commercial products including General Liability, Business Auto, Garage Keeper, and Auto Dealer.

Personal auto coverage typically protects you and your family members when you are driving a vehicle you own, while commercial auto coverage is for a vehicle owned and used by a business.

Fault is determined by a claims adjuster’s investigation that takes into account state statutes and the involved parties’ statements, as well as any other available evidence such as police reports, witness statements, and/or video of the incident.

If another party is determined to be legally responsible for the accident, that party or their insurer may be responsible for covered damages. However, if you use your own coverage for faster service or if there is a liability dispute, you pay the deductible up front and we will attempt to recover it from the at-fault party and refund it to you later on.

A rental is covered during repairs only if rental coverage has been purchased and added to your policy, and only for repairs related to a covered incident — not mechanical breakdown.

You can report a claim by calling 1-866-665-1003 or by contacting your Haulers agent.

You will need your policy number, vehicle information, the time/date/location of the accident, and a description of what happened. Any other information, such as the name and contact information of the other party, their insurance information, and any witness information, would be helpful as well.

The time it takes to resolve a claim varies significantly. While simple, undisputed claims with minor damage often conclude in just a few days, more complex cases that require extensive investigation, such as those involving severe accidents, can take up to several months.

You do not need a police report to file a claim. However, your adjuster will request any existing police reports as part of the investigation, and certain types of claims (such as theft) may require you to file a report with the police if one was not filed when you submitted your claim.

You can pay your bill online by using our Quick Pay link, and you don’t even need to create a username or password! You will, however, need your policy number, so be sure to have it on hand.

Contact your Haulers agent for your insurance ID cards.

Any updates to your vehicle or personal information should be given to your Haulers agent.

Your Haulers agent can provide you with a copy of your declarations page.

Haulers offers coverage in Alabama, Georgia, Indiana, Missouri, South Carolina, Tennessee, and Virginia.