The Auto Claims Process:
Estimates and Repairs

Get a Car Estimate. Get It Fixed.

Even a minor fender-bender can be a major inconvenience. As a Safeco® customer, look to your dedicated claims representative to ease you through the repair process following an accident.

Here’s what you can expect, though your claims experience may vary:

Car Insurance Investigations and Inspections

First Safeco needs to understand exactly what happened in order to determine the coverages to which your policy entitles you. We’ll do our best to be speedy, and you can help by providing all of the requested information and possibly even photos.

Insurance Tip
Understand what your policy does and doesn’t cover – before you get into an accident. For example, the typical auto policy does not cover rental cars unless you purchase that coverage. For details on your coverage, log in to your Safeco account or contact your agent.

If an inspection is needed, Safeco will examine your vehicle at your home, workplace, a repair shop or another location to assess the damage.

Auto Repair Estimates

Before work begins on your car, a repair shop needs to estimate how much it’s going to cost. A shop from Safeco’s Guaranteed Repair Network* will give you priority status, estimating the cost of repairs and starting work right away.

Plus, we guarantee the work of our network shops for as long as you own your car.** If you prefer, take your car to a shop outside the network for repairs. However, if you choose your own shop, we cannot guarantee its work.

If the damage is extensive you may be looking at a total loss.

Insurance-Covered Repairs

With an approved estimate in hand, the repair shop of your choice gets to work getting you back on the road. In the process, the shop may find additional damage. For Guaranteed Repair Network shops, it’s not an issue. They have prior approval to fix all accident-related damage, even if it wasn’t included in the initial estimate. For other shops, it’s as simple as sending a new or amended estimate for Safeco’s approval. In most cases, customers ask us to pay the shop directly, and that’s just fine. Or we can send the payment to you or, if needed, to you and your lender.

We know you want all of this to happen as quickly as possible, and the Guaranteed Repair Network can help. A network shop will prioritize your repairs and do the kind of quality work you deserve, guaranteed.

Read more about the Guaranteed Repair Network.



* Safeco’s Guaranteed Repair Network is not available in HI, MA and RI. Customers in MA and RI have access to the PACE OneStop® program.

** Under our President’s Guarantee™, Safeco Insurance will repair or replace any defective work of the Guaranteed Repair Network facility. Damage caused by normal wear and tear, improper maintenance or unreasonable use is not covered. Read the full details of the President's Guarantee.

© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.