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American Commerce is rated “A+” (Superior) by A.M. Best.
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Reporting A Claim
Rapid settlement of a claim begins with a timely report to us of a loss to your automobile or home. You can report the loss to American Commerce Insurance Company directly at:
1-877-ACI-LOSS
(1-877-224-5677)
Available 24 hours a day/365 days a year
This service is available to our American Commerce insured customers, as well as anyone else involved in an incident with one of our American Commerce insureds.
During the claim report process, a professional, skilled claim representative will gather full detailed information on your claim and enter it electronically into our system. The claim report should take only 10-15 minutes. At the end of the report, you will be provided with the following information:
- Your file number
- Your claim adjuster's name and telephone extension
- Answers to any general questions that you may have
Additionally, if your claim is for damage to your auto and you have chosen certain coverages, at the end of the telephone call you will have the following information:
- An assignment of an American Commerce appraiser to inspect your vehicle and write an appraisal of damage. This appraisal can be done at your home, work or repair facility.
- We will provide you with names of preferred rental companies and assistance in arranging for a comparable substitute vehicle while yours is being repaired.
Tips to Expedite the Call
In general, the claim reporting process is facilitated by providing us with your policy number and as much detail on the loss as possible. You may choose one of the following options to learn more about additional tips to expedite the call; however, please do not delay your report to us if certain pieces of information are not readily available to you:
 If you were involved in an automobile accident:
- Have your policy number available when you report the loss to us.
- Provide information concerning your vehicle including its year, make, model, license plate number, and the area of damage it sustained. We will also need to know where the vehicle can be located if it was towed from the accident scene. Please include the street address and telephone number of the facility where your vehicle is located.
- If the driver of your vehicle was different from the owner, we will need the full name of the operator along with his/her address, date of birth and driver's license number.
- Have information on the other party/parties involved in the accident including the name and address of the owner and operator (if different) of the other vehicle(s). Please include the year, make, model, license plate number, and the area of damage sustained of the other vehicle. The name of the other party's insurance company would also be helpful.
- If the police were at the scene of the accident, we will need to know which department responded and if there were citations issued to any of the involved parties. Also, it would be helpful to know the officer's name and the police report number, if available.
- The date, time, and location of the accident including street names and any landmarks.
- Names and addresses of any witnesses to the accident.
- Names and addresses of any injured parties, along with a description of the nature of the injuries.
- Please do not delay your report to us if certain pieces of information are not readily available to you.
If your vehicle was stolen:
- Notify the police that your vehicle has been stolen.
- Have your policy number available when you report the loss to us.
- Provide us with the date, time, and location from which your vehicle was stolen, including street names and any landmarks.
- Have information concerning your vehicle including its year, make, model, license plate number, color, and the area of damage it sustained, if any. If the vehicle has been recovered, we will need the current location of the vehicle. Please include the street address and telephone number of the facility where your vehicle is located.
- If there was an arrest made, provide us with any suspect's names, if available.
- Please do not delay your report to us if certain pieces of information are not readily available to you.
If your vehicle was damaged in an incident other than a collision
(for example, vandalism, fire, glass):
- Have your policy number available when you report the loss to us.
- Provide information concerning your vehicle including its year, make, model, license plate number, and the area of damage it sustained. We will also need to know where the vehicle can be located if it was towed from the accident scene. Please include the street address and telephone number of the facility where your vehicle is located.
- The date, time, and location of the incident, along with the details of how the damage was sustained.
- If the driver of your vehicle was different from the owner, we will need the full name of the operator along with his/her address, date of birth and driver's license number.
- Have names and addresses of any witnesses to the incident. If your car was vandalized, please provide us with the names of any suspects, if available.
- Please do not delay your report to us if certain pieces of information are not readily available to you.
If you have a homeowner claim:
- Have your policy number available when you report the loss to us.
- Provide information concerning your vehicle including its year, make, model, license plate number, and the area of damage it sustained. We will also need to know where the vehicle can be located if it was towed from the accident scene. Please include the street address and telephone number of the facility where your vehicle is located.
- The date, time, and location of the incident, along with the details of how the damage was sustained.
- If the driver of your vehicle was different from the owner, we will need the full name of the operator along with his/her address, date of birth and driver's license number.
- Have names and addresses of any witnesses to the incident. If your car was vandalized, please provide us with the names of any suspects, if available.
- Please do not delay your report to us if certain pieces of information are not readily available to you.
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