Reporting a Claim:
First things first, call us at (800) 225-5729. We'll kick off your claim by asking you for:
- Your name, address, and phone number
- Your Say Insurance policy number
- The date, time and location of the incident
- A description of what happened, including any potential injuries
- The insurance and contact info of anyone else involved (ideally name, phone number, address, email, insurance policy number, vehicle info and passengers)
Common Questions with Next Steps:
When will an adjuster contact me?
You'll be assigned an adjuster who will reach out within one business day of receiving your claim. At least, that's our hope. Sometimes weird things happen and it takes an adjuster a little longer. If at any time you get worried about the status of your claim, you can always call us at (800) CALL-SAY.
How long does it take to receive a payment on a claim?
Before we answer, just know that without knowing the specifics of your claim, it's hard to give an exact timeframe. We can, however, tell you that most collision and comprehensive claims take about 4-12 days to complete. When it comes to medical payment (MedPay) and bodily injury (BI) claims, the payment may take much longer if the claim involves multiple doctor visits and/or lawsuits. Typically, MedPay is settled faster than BI, due to its direct involvement with you versus working with a third-party. That being said, we’ve seen some MedPay and BI cases take 4 days and others take 240, but the average is about 70 days.
How much is my deductible?
It depends on your specific policy. You can check your deductible (and other policy details) on your Say account. If you have any questions, give your adjuster or the Say Service Squad a call!
Should I get a repair estimate?
We usually just get the estimate directly from the shop of your choice or we create our own. The only time you would need to get an estimate is if your adjuster asks you directly. If you have an estimate already, you can send it over to your adjuster to review.
Can you contact the other company and arrange for them to pay me?
We're not able to represent you against another person or insurance company. However, if we pay for a claim, and it is determined that the other person was at fault, we can usually attempt to get our funds back. And that means, with your permission, we can also fight to get your deductible fully or partially reimbursed.
What about a rental car?
If you have Rental Reimbursement coverage, Say will reimburse the rental costs up to the daily limit of your coverage. If your vehicle isn't drivable and is covered under Collision or Comprehensive, then the Rental Reimbursement coverage kicks in right away. If you're able to drive your vehicle, the coverage starts the day your car is taken in for repairs. Unfortunately, we can't cover mileage charges, and there may be some time limits depending on your coverage.
Repairing or Replacing your Vehicle:
How soon can I get my car repaired?
You can get your repairs going as soon as your adjuster reviews the damages and goes over the repair estimate with you. But if your car needs temporary fixes in order to prevent more damage, you can get them and we'll reimburse you (please keep all of your receipts).
Do I have to go to a specific repair shop?
It's your choice when it comes to choosing a repair shop. Say's estimates are based on typical repair costs for shops in your area.
What if the shop can't repair my car for the estimated amount?
Call us immediately and we'll have your adjuster call the shop. That way they can get on the same page without inconveniencing you more.
If it's a total loss, how will you determine the value of my vehicle?
Using a database that pulls in current car dealers' prices, we base your car's value on what similar cars would sell for in your local market.
After Your Claim:
Your contact with us doesn't have to end once a check is paid and you're back on the road. If you have any questions or concerns, hit us up at (800) CALL-SAY.
And just a heads up, you may receive a survey asking about your experience. We'd love for you to tell us how we did.