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Auto Insurance Information Center

Claims


What happens if I have a claim?
21st Century Insurance has a Claims Reporting Hotline that is available when you need it, 24 hours ...

What happens to my policy when I get into an accident? Violation?
Contact our claims department immediately to report the loss. You may call toll free 1-888-244-6163...

How much will my premium increase if I have an accident/violation?
Depending on the nature of the accident or violation, your premium may not increase at all. If it d...

If I need to contact a representative at 21st Century Insurance, how would I do that?
For your convenience, we have representatives available from 7:00 AM until midnight in your respect...

What if my car isn't drivable after I am involved in an accident?
If the car is not drivable it will need to be towed. Make sure you get the address of the service ...

I reside in a state that requires my vehicle to be inspected for physical damage coverage, how do I go about getting it done?
If you reside in one of the four states that require your vehicle to be inspected for physical dama...

Should I repair or replace my cracked windshield?
It is our practice to waive your Comprehensive Deductible when you repair your windshield rather th...

When can I expect a check?
Most losses are paid within 7 days of a report. If you wish, we can pay your shop directly. Just te...

Do checks go to the Body shop or the Insured?
On repairable vehicles, the check will be made payable to the insured and lien holder and mailed to...

I have been requested to submit a claim-free letter. What form do I need to complete?
Policies canceled either by the insured's request or for non-payment are routinely reviewed for rei...

What is the difference between an appraiser and an adjuster?
The appraiser is the person who inspects your vehicle for damages. The adjuster, who is also known ...

If I use one of 21st Century Insurance's preferred repair shops, is the work guaranteed?
These shops are pre-approved by 21st Century Insurance and their repair work is guaranteed for as l...

What is an SR-22 (FR-19 in DE, MD)?
This form is required of drivers who have been convicted of a serious violation, involvement in a s...

How do I submit a claim?
To submit an auto claim online, please select the following link, Submit a Claim or call our auto c...

What do I do if I have a windshield claim?
We have a Glass Specialty Unit that can coordinate the repair of your windshield with one of our gl...

How are Glass Claims handled? Windshield Chips?
When you call to report glass breakage, you will be offered a voice prompt to speak directly with o...

Once I have reported the claim, should I get estimates?
When you report the claim, if you have comprehensive/collision coverage for your auto, an appraisal...

What if I have medical coverage on my policy and I am hurt?
When your adjuster calls you, tell them that you have medical bills. The adjuster will handle every...

Do I have a choice of Body Shops?
Yes, you can choose any reputable repair shop to repair your vehicle. We do have preferred repair s...

Can I use any repair shop when I have an accident?
Yes, you can have your vehicle repaired in the facility of your choosing. If you would like assista...

Can I use any repair shop?
Yes, you can have your vehicle repaired in the facility of your choosing. If you would like assista...

Who should I call to determine the status of the appraisal?
Your adjuster is always happy to help you and answer any questions you may have. If you need to con...

What happens after I report a loss?
Your claim is then assigned to a claim representative who will contact you to go over the facts of ...

Does my 21st Century Insurance policy cover me while in Mexico?
Your policy contract does not provide any coverage for losses that occur in Mexico. If you would li...

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