The car insurance claims process

No one can control when accidents happen. At Square One, we’re committed to a fair and efficient claims process. If you need to make a claim under your car insurance policy, here are the steps you can expect as you move through the process.

Looking to submit a home insurance claim instead? Learn more about the steps involved and what you can expect from the claims process.


Report your claim

To start a car insurance claim, log in to your online account, go to the “Claims” section, and follow the instructions provided. Or if you prefer, call 1.855.331.6933 and press 4 when prompted. When you report your claim, you’ll need to provide some basic information. You should have the following information ready when you call:

  • Your policy number
  • The details of the vehicle involved in the accident, including registration and license plate numbers
  • The names and driver’s license numbers of each driver involved in the accident
  • Your description of the accident, including the date, time, and location
  • Your description of damage to the vehicle
  • The number of passengers involved
  • Insurance information for each driver involved, including insurance company names and policy numbers

If you have Comprehensive, All Perils, or Specified Perils coverage, and you wish to make a claim for damage that wasn’t caused by a traffic accident, the process is essentially the same, though there may not be any other parties involved. If a crime was committed (such as vandalism or theft of the vehicle), you should still file a police report.

After you’ve reported your claim, an adjuster from Zurich (the underwriter of car insurance policies sold by Square One) will contact you as soon as possible.

Log in to your online account


Work with your adjuster

Once an adjuster has been assigned to your claim, they will be your point of contact. They’ll guide you through the process, explaining what your policy will cover and what your next steps will be.

If your claim relates to a traffic accident, your insurer will also determine which driver or drivers were responsible. To learn more about fault determination and how it may affect your claim settlement, visit our fault determination guide.

If there are any injuries associated with the claim, your adjuster help explain the coverages available to you.


Get back on the road

Your adjuster will help you find an appropriate repair shop as needed. They’ll also determine your eligibility for a rental car or other alternate transportation if necessary.

You’ll need to pay any deductible that applies to your claim, and for any repairs that aren’t covered by your policy. Aside from that, your policy will pay for the repair or replacement of your vehicle, and you’re good to go.


Tell us how we did

At Square One, we’re committed to providing an efficient claims service. When your claim is concluded, you’ll be asked to complete an independent online survey. You’ll have the opportunity to share your experience, including whether you were satisfied with the service you received. You’re also welcome to provide feedback at any time during the claims process. Simply email us at

Making a claim. You buy insurance for peace-of-mind, so if you do need to make a claim we believe it should be simple and stress-free. That's why all Square One customers are protected by our car insurance underwriter’s commitment to handling claims fairly:

24/7 claim line so we're there whenever you need us
You'll work with a single claims adjuster
Quickly track each stage of your claim online
All claims are dealt with fairly, transparently and quickly
You're treated with respect and kept informed at every stage of your claim