Claims Service

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Claims Service Information

Claims

At American Commerce Insurance Company, we are committed to providing you with outstanding claim service. It is our hope that you have a safe and accident-free year. However, if you have a loss involving your vehicle or your home, we are here for you and are committed to handling your claim quickly and efficiently. In keeping with that commitment, we offer you the opportunity to report your claim directly.

Report a Claim directly to American Commerce Insurance

American Commerce Insurance has skilled claim representatives to take your report
toll free anytime 24 hours a day - 365 days a year.

1-877-ACI-LOSS

(1-877-224-5677)

Available 24 hours a day/365 days a year
Reporting your claim takes approximately 10-15 minutes.

Report a Claim to American Commerce Insurance Online

If you prefer to file your claim online, you may complete our online claim submission form. After completing the form, you will be provided with a submission number, and one of our representatives will typically contact you within one business day to provide you with any additional claims information.

Tips to Expedite your Report

In general, the claim reporting process is facilitated by providing us with your policy number and as much detail on the loss as possible. Below is some additional information to help to expedite the report. However, please do not delay your report to us if certain pieces of information are not readily available to you.

If you were involved in an automobile accident or if your vehicle was damaged in an incident other than a collision (for example: vandalism, fire, glass or theft):

  • Have your policy number available when you report the loss to us.
  • Provide information concerning your vehicle including its year, make, model, license plate number, and the area of damage it sustained. We will also need to know where the vehicle can be located if it was towed. Please include the street address and telephone number of the facility where your vehicle is located.
  • If there was an operator of your vehicle and it was different from the owner, we will need the full name of the operator along with his/her address, date of birth and driver's license number.
  • Have information on the other party/parties involved in the incident including the name and address of the owner and operator (if different) of the other vehicle(s). Please include the year, make, model, license plate number, and the area of damage sustained of the other vehicle. The name of the other party's insurance company would also be helpful.
  • If the police were at the scene or contacted after the incident, we will need to know which department responded and if there were citations issued to any of the involved parties.
  • The date, time, and location of the incident including street names and any landmarks.
  • Names and addresses of any witnesses.
  • Names and addresses of any injured parties, along with a description of the nature of the injuries.

If you have a homeowner claim:

  • Have your policy number available when you report the loss to us.
  • Provide a description of the occurrence with as much detail as possible.
  • The date, time and location of the incident.
  • Provide a description of the damage or loss to your home or your personal property with as much detail as possible.
We do not know about an accident or loss until you or someone on your behalf reports it to us. As soon as we receive your report, we can immediately assign your claim to the appropriate specialized adjuster, make all the pertinent arrangements to process your claim and answer the all important questions such as, 'What happens next?'

Questions on Existing Claims

For questions on claims that have already been reported, our adjusters are available to assist you from 8:00 A.M. to 4:30 P.M, Monday - Friday at 1-877-224-5677.

New Jersey Specific Claims Information

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