how esurance handles your claim
a look at a typical claims process
Here at Esurance, we make it our mission to make the post-accident process as smooth as possible. Our claims reps will walk you through the process from initial claim to final repairs. We'll explain how.
When you'll hear from your dedicated claims rep
Once you've filed your claim online, over the phone at 1-800-ESURANCE (1-800-378-7262), or with your smartphone, you'll be assigned a dedicated claims rep who will typically contact you within a business day.
After you file your car insurance claim
Your dedicated claims representative is committed to helping you throughout the entire claims process. This can include:
- Helping you decide how the car's damage will be inspected
- Helping to arrange for a rental car, if needed, while yours is in the shop
- We can help pay for it, too, if you have rental coverage on your policy
- Explaining how you can monitor your claim online
- Suggesting trusted repair shops in your area
- Updating your claim status
- Answering any questions you have along the way
- Settling your claim quickly and fairly to help you get back on the road
The repair process
This varies by circumstance, of course, but here's how Esurance can help you through the process.
If you have emergency road service coverage (called towing and labor in some states) from Esurance, we can help you arrange a tow from the scene if your car breaks down. If you don't have our emergency road coverage, you may have to cover the costs of your tow out of pocket unless you have another roadside assistance plan.
If you were in an accident and you have comprehensive or collision coverage, your policy could help cover your tow.
Inspection and repairs
You can take your car to any shop you like for inspection and repairs, or we can help you find a nearby E-star® shop, which is part of our nationwide network of trusted facilities.
Because you're an Esurance customer, E-star facilities offer guaranteed repairs for as long as the car's yours. Plus, you get access to RepairView®, which lets you see daily photos of the repairs in progress and share them on Facebook (if you'd like), contact the repair shop directly, and find out when your car is ready for pickup.
If you have rental car coverage, CarMatch Rental Coverage®, or transportation expense coverage on your policy, we'll help you stay on the road while your car's in the shop. And if you don't have rental coverage, we can help you get a competitive rental rate from a preferred agency.
Checking on your claim status
Your dedicated rep will give you his or her direct line and office hours. This allows you to check in directly on the status of your claim. And if you ever lose it, you can find your claim rep's info here.
You can also:
Your dedicated claims rep will explain what Esurance will pay and what you'll need to pay out of pocket. Out-of-pocket expenses include coverage deductibles, expenses that exceed your coverage limits, or damage that isn't covered by the coverages on your policy.
In most cases, your claim will be processed within 15 days. And if a claims settlement is owed, we'll send you the check as soon as possible.
Getting your money's worth
In the end, a quick and smooth claim experience is what you're paying for. Esurance understands the stresses that come with a car accident, and we'll be here to walk you through the process and explain how your car insurance coverage will help.
If you have any lingering questions on the claims process, give us a ring anytime at 1-800-ESURANCE (1-800-378-7262). And if you're still curious, visit the links below for more info on all things claims.
Find out how the process can work when the accident wasn't your fault.
Common car insurance claims
Find out about some specific claim types, including a glass damage claim, a hit-and-run, or a fender bender.