How are fleet insurance claims handled?

Claims typically go through a dedicated fleet claims team, often with specialized procedures for commercial vehicles.

When a fleet insurance claim is made, it usually goes through a specialized process handled by a team dedicated to managing fleet claims. This team has expertise in dealing with commercial vehicles, which often have unique considerations compared to personal vehicles. The process begins when the incident is reported, and the fleet claims team is responsible for gathering all necessary information from the driver and any witnesses. They will assess the damage, coordinate repairs with approved auto shops, and negotiate any settlements. This dedicated approach ensures that claims are handled efficiently and with a deep understanding of the specific needs and circumstances of fleets, such as vehicle downtime and business interruption concerns.

Imagine a delivery company with a fleet of 50 vans. One of the vans gets into an accident while delivering packages. The driver contacts their fleet manager, who immediately reports the incident to the fleet insurance claims team. This team springs into action, collecting all information about the accident, setting up towing for the van, and liaising with a repair shop. They also consider the delivery company's need to minimize downtime by providing a rental van while the damaged one is under repair. The process is swift and tailored to the commercial nature of their operations, ensuring that the company's deliveries continue with minimal disruption.

If you manage a fleet, it's wise to have a clear and established protocol for your drivers to follow in the event of an accident. Make sure all drivers know whom to contact immediately and have essential information at their fingertips, such as the fleet insurance policy number and the contact information for the claims team. Regularly review and update your claims process in collaboration with the fleet claims team to accommodate any new vehicles or changes in your operational procedures. This preparation can prevent unnecessary delays and ensure your business continues running smoothly, even when an accident occurs.