Claims
Here's exactly what to do after an accident, and how to reach us the moment you need to.
How to file a claim
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Make sure everyone is safe
Move to a safe location if possible, check for injuries, and call 911 if anyone needs medical attention.
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Document the scene
Take photos of all vehicles, damage, license plates, and the surrounding area. Get contact and insurance info from other drivers and witnesses.
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File a police report
Most states require a police report for accidents involving injury or significant damage. Request a copy of the report number.
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Report your claim
Call our 24/7 claims hotline or start your claim online. Have your policy number, the police report number, and your photos ready.
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Meet your claims adjuster
An adjuster will review the damage, explain your coverage, and walk you through repair options and next steps.
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Get back on the road
Once your claim is approved, we'll coordinate repairs or reimbursement and, if applicable, a rental vehicle.
Need to talk to someone?
Our claims team is available around the clock, every day of the year.
- Claims Hotline: 1-800-555-0911
- General Support: 1-800-555-0199
- Email: hello@motorbind.com
Claims FAQs
How long do I have to file a claim?
We recommend filing as soon as possible — most states require notice within a reasonable time, and evidence is freshest right after an accident.
Will filing a claim raise my premium?
It depends on fault and your policy's accident-forgiveness terms. Your adjuster can walk you through the specifics of your policy.
Do you cover rental cars while mine is repaired?
Rental reimbursement is included on our Standard and Premium plans. Check your policy documents or ask your adjuster.