Claims Frequently Asked Questions
Have questions about the claims process? We’ve got answers – take a look at our claims FAQs. If you don’t see what you’re looking for, give us a call at 1-800-GMAC-123. One of our Customer Care Specialists will be happy to help.
- How do I file a claim?
- What are some tips for speedy claims filing?
- What will happen to my premium if I file a claim?
- How long does it take to process a claim?
- What do I do right after an accident?
1. How do I file a claim?
Just file your claim online, or call 1-800-325-1088.
- Have your GMAC Insurance Policyholder Number handy
- Be ready to explain the details of the loss
Want us to call you back?
Give us a call at 1-800-325-1088 24 hours a day, 7 days a week and let us know when you’d like a call back.
Want to check on the status of your claim?
- Call our claims service number above at any time. Have your claim number handy.
If you’re not completely satisfied with our claims service, we’ll refund your deductible – up to $250!1
2. What are some tips for speedy claims filing?
- Always drive with your license, registration and insurance card handy. In the event of an accident or incident, you will have all the information you need at your fingertips.
- Keeping your auto insurance policy information current speeds all your auto insurance processes, including reporting and resolving your claims.
- If an accident occurs, stay calm. Make sure you call authorities as well as a GMAC Insurance Claims Representative. Or, you may report your claim online.
- Make sure you have written down the names, license plate numbers and insurance information of others involved.
- If the police are there, get the officer's name and the police department's location if possible.
- Write down cross streets or landmarks when an accident has occurred.
- If you have a camera or cell phone with camera handy, take some quick photos. When you are asked to describe the accident – particularly if there are complex intersections and turning lanes involved – this will be helpful in remembering the details.
- It is generally recommended that you only discuss the details of the accident with the police, your local agent, or your GMAC Insurance Claims Representative.
- Keeping track of your paperwork, including the police report, your claims number, and the name and phone number of your assigned GMAC Insurance Claims Representative will also speed processing.
3. What will happen to my premium if I file a claim?
Since there are many kinds of claims – everything from a fender-bender to a total loss – there’s no predicting exactly what will happen to your premium in the event of a claim. But don’t assume your rates will go up!
Generally speaking, you will not be penalized for something that has no bearing on how much risk you represent. We certainly don’t have any intention of penalizing someone for something that is not their fault. But some things will cause your rates to increase, including:
- Numerous accidents over a short period of time.
- A history of reckless driving behavior.
- Accidents due to DWI or DUI.
The best idea? Safe and responsible driving behavior. But accidents do happen – and when they do, we’re here to help.
4. How long does it take to process a claim?
Depending on the claim, it could take as little as 48 hours to process. The more details you offer, the easier it will be for us to settle your claim quickly and accurately. Claims that involve more complicated settlements, such as disputes over who is liable, will take longer to process. Because it is our goal to make the claims process as efficient as possible, we promise to work hard to get your claim settled in the shortest amount of time possible.
To ensure speedy processing of claims:
For information on a claim you’ve already reported:
Call 1-888-233-4575. Have the name or extension of your assigned Claims Representative handy when you make the call.
5. What do I do right after an accident?
- Make sure you are safe from oncoming traffic.
- Make sure you, your passengers and others involved in the accident are okay.
- Call authorities.
- Call GMAC Insurance at 1-800-325-1088 or call your local agent.
- Do not assume that you are fine. Let someone know you are injured or get to a hospital or doctor if you have any doubt at all that you might be hurt.
- Exchange insurance information as well as the names, license plate numbers, and phone numbers of others involved. Also note the names and numbers of witnesses if possible.
- Document the date, time and location of the accident.
- Record landmarks, names of streets or the address where the accident occurred.
- If you have a camera, or you have a cell phone with camera, take some quick photos. When you are asked to describe the accident – particularly if there are complex intersections and turning lanes involved, this will be helpful in remembering the details.
- In the case of a hit-and-run, jot down whatever you can – vehicle description, partial license plate, etc.
- It is generally recommended that you only discuss the details of the accident with your auto insurance company or authorities.
- Do not admit fault or assess blame; it’s very human to feel at fault after an accident, even if you are not at fault legally!
- Get the names of witnesses before they leave the scene.
- Get the name and department of the police officer on the scene.
- If a police officer is still at the scene and you’re not thinking clearly, once everyone is out of harm’s way, you can put the officer on the line with us to help describe the accident.