How Do I File an Auto Insurance Claim?

Being involved in a collision is bad enough without feeling confused during the claims process afterward. Read on to learn what you can expect, from start to finish, once you file your claim.

1) Report the Claim

It sounds obvious, but when you’ve experienced a theft or you’ve been involved in a collision, report your claim as soon as possible. There are two ways for you to report your claim with us:

  • Call our 24-hour claims service at 1-888-426-2444.
  • Report your auto claim online and an AMA Insurance claims representative will contact you within one business day to process your claim.

2) Confirm the Details

Once you have reported your claim, it will be assigned to a claims adjuster. The adjuster is responsible for contacting you to confirm details of what happened. They will ask you for information about the loss and, depending on the type of claim, may need to take a statement from you. They will also talk to you about any forms that need to be completed, as well as important timelines. When reporting an auto claim, your adjuster may ask for information like:

  • When the accident occurred
  • The location of the accident
  • Information about passengers and witnesses
  • Police information, if applicable
  • The vehicles involved
  • Injury information for any of the parties involved
  • Details about the damage on the vehicle(s) involved

3) Assess the Damage

Your claims adjuster may send you to a repair shop for a digital photo imaging (DPI) estimate, or arrange for an appraiser to come and assess the damage to your vehicle. Once the claim has been approved, you will receive a copy of this estimate.

4) Arrange for Repair

Once the appraiser has completed an estimate, or they’ve approved a digital photo imaging (DPI) estimate, you are free to take your copy to the repair facility of your choice. It is best to provide the chosen body shop with the estimate prior to repairs so any parts that need to be ordered will be available when you bring in your vehicle. If there is a deductible applicable to your claim, this can be paid to the body shop at the time of repairs. If you have rental coverage (also known as a “loss of use endorsement”), your claims adjuster will arrange for a rental vehicle for you to drive while your vehicle is in for repairs.

5) Personal Injuries

If your claim involves injuries, a claims adjuster who specializes in this type of loss will handle it. Your adjuster will explain any medical benefits available to you and provide you with any necessary forms. You can also access these forms online. If your claim involves injuries to the other driver or occupants of the other vehicle, an adjuster will be assigned to investigate and handle any claims brought against your policy. We’ll need your cooperation to assist us in our investigation.

6) Close the Claim

Once the repairs have been completed to your vehicle, we will receive an invoice and will pay this on your behalf. We will also pay any authorized rental invoices on your behalf. As well, depending on the type of loss and value of the claim, you may be asked to complete a Proof of Loss form. You have two years from the date of the loss to finalize your claim.


There is a two-year limitation date on your claim for medical benefits. However, there are other applicable timelines that may affect you. Your claims adjuster will discuss the applicable timelines and deadlines with you.