Auto claims
What to know about filing an auto claim
Why file and manage your auto claims online?
It's fast, simple, and convenient. We'll walk you through to ensure every step along the way is captured, and you can make updates to the information you give us at any time. Then you can easily manage your claim and track its progress in your online account after you've filed.
File 24/7
You can file your auto claim online at any time.
Fast and convenient
File online or through our mobile app.
Track at your convenience
Log in to track and manage your claim, whenever you like.
What to expect once you file your auto claim
Once you file your claim, we'll work with your Safeco agent to help you:
File a claim
- Have your damage reviewed
- Get an estimate at a repair shop
- Schedule your repairs if your vehicle isn't a total loss
- Manage your claim online, through completion
File a claim
File your auto claim through the Safeco mobile app
Get the Safeco mobile app to file your auto claim from your device. You can also: 
- Contact your agent
- Pay your bill
- View policy documents
- Much more
Auto claims customer resources
Want to know what the Safeco customer claims experience looks like, or have questions about your damage estimate? Check out the resources below for helpful information when filing, and what to expect once you begin the claims process. Get more answers to your claims questions below, or visit our frequently asked auto claims questions.- Enrolled in Roadside Assistance1? Call us 24 hours a day, 7 days a week for assistance:
1-877-762-3101 - Easily file online with Safelite Solutions, our preferred glass repair provider. Submit your glass claim here
- We're here to help throughout the claims process, including during the estimation and repair of your vehicle.
If you're enrolled in Rental Car Reimbursement, you can choose to have us drop off a rental car at the scene, or schedule a swap at an agreed upon time and place. When repairs are finished, we'll bring the car back from the shop - it's all part of the Safeco Claims Valet Service™2.
Investigations and inspections
First we need to understand exactly what happened in order to determine the coverage you are entitled to within your policy. We'll do our best to be speedy, and you can help by providing all of the requested information and possibly even photos.
If an inspection is needed, Safeco will examine your vehicle at your home, workplace, a repair shop, or another location to assess the damage. If the damage is extensive you may be looking at a total loss.
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 Network3 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.
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. A network shop will prioritize your repairs and do the kind of quality work you deserve, guaranteed. Read more about the Guaranteed Repair Network.
1Optional coverage. Roadside Assistance package includes towing to a qualified facility or location within 15 miles, delivery of fuel or fluid (costs of these items not included), and changing of flat tires only with Safeco's insured's inflated spare. May vary by state.
2Availability varies by state. Claims Valet Service™ is available if your policy contains rental car reimbursement and you have a covered loss. Other restrictions and eligibility rules apply.
3Guaranteed Repair Network not available in Rhode Island or Massachusetts. In these states we offer you our Superior Service Program (SSP), which is similar to the Guaranteed Repair Network. However, the estimate is completed by a Safeco Insurance appraiser. For more information, speak with your Safeco Insurance Claims Representative.