Business auto claims

Being in an auto accident can be stressful. Filing an auto insurance claim shouldn’t be.

File a business auto claim
To file a claim by phone, call 1-800-421-3535.
To track a claim, log in.

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.

Gather contact and insurance information from those involved. Collect witness names and numbers.


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.

Other auto insurance claims

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.

Your claims associate will:
  • 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

You have the option to choose the type of facility that best fits your business's needs for an estimate or repair:

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.

If you still have questions about filing a Nationwide commercial auto claim, please read our business auto claims FAQs.
Need to file a personal claim? Visit the personal claims center. Or call us at 1-800-421-3535.

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.