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What to do – and not do – after an accident
If anyone is injured, call 9-1-1 immediately. Otherwise, contact the police department to file an accident report. Try to stay calm and focused.
Call us at 1-800-421-3535 or start your claim online.
From a safe spot, photograph any damage. Don’t offer an opinion regarding who was at fault for the accident.
Discuss accident details only with the police or your insurance agent. Don’t leave the scene until instructed by police.
If your vehicle was hauling product, also file a property claim.
If one of your employees is involved, be sure to gather their information.
Starting a claim
Although all insurance claims may be different, our commercial auto claims process is designed to handle each one promptly, professionally and with minimal inconvenience to you and your business.
You may start your claim online or by calling us at 1-800-421-3535.
You’ll be assigned a claims associate to guide you through the claims process and answer any questions.
- Gather facts about the accident
- Explain coverages in your policy and your deductible
- Help schedule an inspection of your vehicle
- Arrange for a rental vehicle if needed
- Review your commercial auto insurance policy and explain the coverage that applies
Arranging for repairs
- Nationwide On Your Side Auto Repair Network facility
- Nationwide Drive-In location
- A shop you choose outside of Nationwide’s repair network
If you choose one of our On Your Side repair facilities, you'll receive fast, seamless service. We work directly with these pre-screened, pre-qualified facilities to streamline estimates, repairs and payments.
If you already have a repair estimate, you can mail, email or fax it to your Nationwide claims associate. If the claim qualifies, we also can work directly with your repair facility. Even if it’s not in our Auto Repair Network.
If your work vehicle is totaled
If your vehicle is a total loss, your claims associate will work closely with you throughout the process. We work with a third party to determine the actual cash value of your vehicle. You’ll receive a vehicle valuation report.
Settling your claim
Once your vehicle is repaired or determined to be a total loss, you and your business receive payment and your claim will be settled, minus any applicable deductible.
You may choose to have the payment direct-deposited into a bank account or a check mailed to you.
Each claim is handled on the basis of its individual facts and circumstances, in accordance with policy language, including applicable exclusions, conditions and limitations, as well as applicable controlling law.