From Accident to Reimbursement in 3 Hours!


The morning commute is never fun, and being rear-ended by another car can quickly take you to the worst-day-ever level.

But recently, for a State Auto customer, a day that began with a fender-bender on the way to work ended with their claim being filed, processed, and paid within 3.5 hours!

How is this possible? When our customer’s car was hit, their State Auto Safety 360® telematics device notified State Auto and initiated our Quick CARE process.

Their claim was set up at 1:04 p.m. EST. We secured photos of the damage and our Auto Physical Damage team wrote a virtual estimate by 4:30 p.m. EST. The electronic payment was then issued to our customer — all in record time.

This is just one example of how we combine technology, great customer service, and urgency to handle our claims!

What You Need to Know

State Auto Safety 360 Connect customers — who have activated their telematics device — automatically receive the Quick CARE benefit.*

If your customer is in an accident — and it registers on their telematics device — it will alert our Claims and Risk Engineering (CARE) team.**​​

When we receive the accident alert into our claims system, we quickly review the crash information (i.e. severity, location, vehicle, insured, etc.) and then call the customer. If the customer is in need of a car rental or tow truck, we can help arrange those for them, if towing service is included in their auto policy.

A claim will only be filed once the customer requests to do so. If they would simply like advice on what to do or if they’re going through the other driver’s carrier, we note it and let them know to contact us if they need anything.

*State Auto Safety 360 is available for new auto policies written on our Connect platform. It is not available for legacy policyholders. Availability and discounts vary by state.

**Accident notifications won’t transmit to our CARE team unless registered by the telematics device. The inability to register an event can be caused by a low GPS signal, a minor impact, the vehicle was turned off when hit, or your vehicle was sideswiped.

From Accident to Reimbursement in 3 Hours - Shield Insurance Agency Blog