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Auto Insurance Claims



Our auto claims team is here to help.

With Encompass, filing an auto claim is simple. We work quickly and efficiently, processing your claim with care every step of the way. Our service will help you get back in the driver's seat as soon as possible.
  • Step 1: Make a claim.

    Call 1-800-588-7400 to report an auto claim anytime, any day. Please have your policy number ready.

  • Step 2: Talk with a claims team member.

    Your agent will be notified and an Encompass claims specialist will follow up with you by the next business day.

  • Step 3: Evaluate damages and make an estimate.

    Eligible customers, with safely drivable vehicles, can take advantage of our virtual estimating service, Encompass Claim Photo ExpressSM1. Simply use your smartphone to take photos of your damaged vehicle, submit and receive an initial estimate typically within 24 hours. In addition, your claims team member can discuss other options to facilitate an estimate of your covered damages.

  • Step 4: Review your estimate.

    Your adjuster will contact you to discuss the damage estimate and settlement based on your policy provisions, terms and coverage.

  • Step 5: Complete your claim.

    We will send you appropriate documents and applicable payments.


Auto claims service designed for fast, convenient repair.

When you call us, we'll go the extra mile:

  • Encompass Roadside Assistance.

    An Encompass claims service representative can help in the event of a breakdown, flat tire, dead battery, tow even if you run out of gas.

  • Rental car referrals.

    We'll help you line up a rental car right away. As soon as we can verify that your policy includes rental reimbursement coverage, we can usually arrange direct billing to us.

  • Auto glass referral and repair.

    Report your claim and schedule an auto glass replacement appointment with one call to our claims service at 1-800-588-7400.2

  • Workmanship guaranteed on repairs.

    Our claims representatives will always honor your choice of repair shop. In fact, your claims representative can issue a check directly to you for covered repairs. Or if you prefer, we can recommend a qualified repair shop and even offer a lifetime workmanship guarantee good for as long as you own the vehicle.3


Always have an Accident Fact Kit nearby.

Don't forget to keep a copy of our Accident Fact Kit in your car's glove box—it can come in handy if you're involved in an accident.

Download kit (PDF)

Have a question about your auto claim? We can help.

Visit our auto claims FAQ for more information on some of our customers' most commonly asked questions.

View auto claims FAQ

Talk to your agent about your coverage.

Your claims team member will be there to help you through every turn of the auto claims process, and you can always reach out to your Encompass Independent Agent for more assistance or for further explanations of your policy coverage.

1Automatically included with an Elite auto policy, optional with other coverage levels. If policy does not include this coverage, customer is responsible for charges.

2 Mobile service is available in most areas.

3 Not applicable following catastrophes.

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