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Reporting Auto Insurance Claims New Jersey

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

Atlas Insurance Agency
(973) 589-9149
68 Monroe St
Newark, NJ

Ironbound Business Insurance Agency
(973) 344-6698
275 Chestnut St
Newark, NJ

Professional Dealer Services Inc
201-995-1630
1200 MacArthur Blvd
Mahwah, NJ

A. E. Smal & Co
973-761-7500
1733 Springfield Avenue,
Marblewood, NJ

Insurance Services Office
(201) 469-2000
545 Washington Blvd.
Jersey City, NJ

PRIME INSURANCE AGENCY
732-886-5751
12 ENGLEBERG TERRACE
LAKEWOOD, NJ

Cooperative Auto Service Inc
(973) 824-7995
343 Elizabeth Ave
Newark, NJ

Petrocci Agency
(201) 434-4760
1674 John F Kennedy Blvd
Jersey City, NJ

UIS Inc.
(201) 946-2600
15 Exchange Place
Jersey City, NJ

Fedway Associates Inc.
(973) 624-6444
River Terminal Development
Kearny, NJ

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

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.
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.

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.
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

Atlas Insurance Agency

(973) 589-9149
68 Monroe St
Newark, NJ

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