YOUR AUTO CLAIMS GUIDE
When an auto accident happens, the most important thing is safety. If possible, move vehicles out of harm's way and call 9-1-1. Next, follow these simple steps to help us expedite your claim:
- Document with photos and/or video, if possible
- The accident scene
- All vehicles and their damage
- Other party's insurance card, driver's license and contact information
- Witness and their contact information
- If a report was filed, capture the police report number
- You may DOWNLOAD OUR PHOTO GUIDE for detailed instructions on documenting your vehicle damage away from the scene.
- Report your claim once you are safe. Choose from these contact options:
- Call us at 808-527-7711 or 800-272-5202 toll-free
- Fax us at 808-543-3120
- Email us at claimsreportsdesk@ficoh.com
- Complete our online auto claim form
- Claim Review.
- Your adjuster will contact you and the other parties involved. We will verify your coverages and investigate the accident to determine liability. Please keep in mind that every claim is different, which is why we are here to help guide you and answer any questions you may have.
- Estimates and Repairs or Total Loss.
- If coverage and/or liability is verified, we will ask you to choose a repair shop that will provide an estimate and complete your repairs or settle your total loss. Your repair shop options are as follows:
- Our Direct Repair Program (DRP). We guarantee their workmanship.
- Repair shop of your choice
- If coverage and/or liability is verified, we will ask you to choose a repair shop that will provide an estimate and complete your repairs or settle your total loss. Your repair shop options are as follows:
- Claim Decision.
- Estimates and Repairs or Total Loss. If coverage and/or liability is verified, we will ask you to choose a repair shop that will provide an estimate. Your Adjuster will contact you if your vehicle is deemed a total loss. Your repair shop options are as follows:
- Our Direct Repair Program (DRP). We guarantee their workmanship.
- Repair shop of your choice
- Payment. Depending on the case, claim payments may be issued to one of the following:
- The repair shop
- To you directly
- To you and the lienholder
- To you and the repair shop
- Other parties' insurance carrier
- Estimates and Repairs or Total Loss. If coverage and/or liability is verified, we will ask you to choose a repair shop that will provide an estimate. Your Adjuster will contact you if your vehicle is deemed a total loss. Your repair shop options are as follows:
During what may be a difficult time, please know your adjuster is there to help you with any questions or concerns you may have and to get you back on the road again.
To report a suspicious insurance claim, you may call our confidential hotline at: 1-888-98-FRAUD.
When you are safe, report your claim. Call, fax, email us or complete the claim form.
Your claims adjuster will contact you and other parties involved and will investigate the accident to determine liability. They will also verify coverages.
After your claim review, and your coverage is verified, obtain a repair estimate and payment.