Claims process
When a work vehicle is involved in an accident, the claims process can feel stressful — especially when the vehicle is essential to your Sacramento business. Acting quickly and keeping accurate records helps your insurance carrier process the claim efficiently and gets your vehicle back to work sooner.
Check for injuries and call 911 if anyone needs medical attention. Move vehicles out of traffic if it is safe to do so. Turn on hazard lights and set up warning triangles or cones if available. Safety always comes before documentation.
For any accident involving a commercial vehicle in Sacramento, request a police report. An official report provides an objective record that your insurance carrier will rely on during the claims process. Exchange information with the other driver, but let the officer document the scene.
Do not admit fault or discuss who is responsible. Leave the determination to the insurance carriers.
Report the claim to your Commercial Auto carrier as soon as possible — ideally within 24 hours. Most carriers offer phone or online claim reporting. Provide the policy number, vehicle information, driver details, and the information you collected at the scene. Delays can slow the investigation and may affect coverage.
The carrier will assign an adjuster who inspects the damage and provides an estimate. You can usually choose your own repair shop, but the carrier's approved network may offer guaranteed work and faster turnaround. For Sacramento businesses that rely on the vehicle daily, ask about rental reimbursement coverage while repairs are underway.
Track any costs related to the accident — towing, rental vehicles, lost work time, and equipment damage. If the vehicle was carrying tools or materials, document what was damaged. Your Commercial Auto policy may include coverage for some of these costs, but only if they are documented.
Stay in contact with your adjuster. Ask about timelines, additional documentation needs, and the status of the settlement. If the claim involves another driver, your carrier will coordinate with their insurance company. Keep a file of all correspondence and claim numbers.
Keep a claim kit in every work vehicle with instructions, your insurance carrier's phone number, a pen, and a disposable camera or smartphone with storage available. Train every employee who drives on these steps so they know what to do under pressure. A clear process reduces mistakes and protects your business.
For a Commercial Auto policy review or quote, visit the Sacramento Commercial Auto insurance page. Also explore General Liability and Workers' Comp coverage. Call 916-822-9595 — open 7 days a week, 8am to 8pm.