Reporting Auto Insurance Claims Massachusetts

There are two types of car insurance claims: a collision claim and a comprehensive claim. In this article, you’ll learn more about these types of insurance claims and how to contact an agent.

Local Companies

AAA Southern New England
(781) 871-5880
900 Hingham Street
Rockland, MA
Sullivan Insurance & Financial
978-372-2790
487 Groveland Street
Haverhill, MA
Chase & Lunt Insurance
978-462-4434
47 State Street
Newburyport, MA
Sullivan Insurance & Financial
(978) 372-2790
487 Groveland Street
Haverhill, MA
O'Connor & Co. Insurance Agency, Inc
508-943-3333
16 Village St po 1458 Dudley, MA 01571
See Above, MA
Cote Insurance Agency
508-324-0700
511 Newton St
Fall River, MA
Stanton Insurance
(781) 893-3200
230 2nd Ave Ste 105
Waltham, MA
Help-U-Insure
(508) 996-3934
194 Huttleston Ave
Fairhaven, MA
Action Insurance Agency Inc.
(508) 999-2240
222 Union St
New Bedford, MA
Greeke Peter Insurance
(978) 283-7314
15 Washington
Gloucester, MA

There are two common types of car insurance claims that can be reported for damage to the vehicle that you own.

  1. Collision Claim - A collision claim is a claim for damage to the vehicle that you insure caused by a collision. The collision may have been with any object and is not limited to multiple car accidents. Collision claims include solo car accidents in which the driver may have hit a building, light post or any other object.

  2. Comprehensive Claim - A comprehensive claim is for any damage to your vehicle not caused by a collision. Frequently, comprehensive claims are made for theft or vandalism damage. Other Comprehensive Claims include fire damage and flood. Damage caused by impact with an animal is usually also considered a Comprehensive claim.

If you suffer damage to your vehicle, you will need to contact your insurance carrier in order to start the claims process. Most carriers offer the following methods to report a claim.

  1. Contact Your Agent - The majority of insurance carriers sell policies through Agents. The Agent is a brick and mortar business that solicits business on behalf of an insurance company. They operate as your point of contact and you can contact your Agent in order to file the claim. They will ask you for the facts of the loss and details on your damages, at which time they will submit a claim form to the insurance carrier for further review.

  2. Contact the Insurance Company by phone - If desired, you can skip contacting your Agent and you can call the insurance company directly. Most carriers place their phone numbers on your bills, proof of insurance cards and websites, so you can easily contact them in case of a loss or damage to your vehicle.

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Author: Brad Halvorsen

Featured Local Company

AAA Southern New England

(781) 871-5880
900 Hingham Street
Rockland, MA
When you hear the name AAA, the first thing that comes to mind is probably maps and emergency road service, two of the cornerstones of our organization. But these days AAA is known for much more - assisting people in many facets of their lives, including travel and lodging; auto buying, leasing, renting, and repair; financial services such as loans and credit cards; and insurance needs.

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Dates: 12/2/2009 - 12/6/2009
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