Report A Claim

1. What all is needed in order to file a claim?

In order to file a claim you will need:

• Your username and password and policy number
• The date and time the incident occurred
• The location of the incident
• The details of what happened
• Description of damages

2. How do I file a claim?

You can report your claim online or call 877-GERMANIA (877-437-6264)

3. If I file a claim, will my premium increase?

Insurance rates don’t always increase after an insurance claim. However, every situation is different. If you have any concerns, please contact your local agent.

4. How long can my claim take once it has been filed?

This depends on the circumstances of the claim. You can opt in for email/text updates by letting your claims adjuster know.

5. How do I know what my deductible is?

You can reach out your Agent or speak with your adjuster.

6. When can I expect an adjuster to contact me regarding my claim?

Typically, an adjuster will reach out to you by phone within 24-48 business hours. 

7. What is the claims process?

• After you report a claim a Germania adjuster will review the reported loss information.
• The adjuster will contact you and all parties involved for additional information.
• The adjuster will request photo documentation and may request a physical inspection.
• Once the estimate has been approved the repairs can be scheduled and payment can be issued minus your deductible.

Germania Insurance offers cost-saving windshield repair to policyholders who need it. If the chip or crack is less than the size of a dollar bill (6 inches), chances are that the damage can be repaired. Germania even waives the deductible for windshield repair service, so there is no out-of-pocket cost to you (certain restrictions may apply). Keep in mind, if your windshield is chipped it’s only a matter of time before it spreads and becomes a larger crack that must be replaced.

If your windshield has a chip that needs repair or if any glass on your vehicle requires replacement, you can conveniently report auto glass claims on the Safelite website or you can call Germania Glass Service at 888-246-6432 and follow the phone prompts to report your auto glass claim to a customer service representative.

The following steps will make filing your claim stress free:

Report Your Claim

• Report Claim Online
• Call 877-GERMANIA (877-437-6264)

Repair

• Find an Auto Repair Shop near you – Germania Premier Service
• If you are unable to use Germania Premier Service, please call 877-GERMANIA (877-437-6264)

Review Your Claim Status

• Receive the latest status on your claim
• Check payment status (policyholders only)
• Non-policyholders can check payment status by calling 877-GERMANIA (877-437-6264)

1. How do I file a claim?
   You can report your claim online or call 877-GERMANIA (877-437-6264)
2. Does Germania have any preferred repair facilities?
   Yes. Germania Premier Service has trusted preferred repair facilities that are near you to handle your repairs in a fast and efficient manner. The repairs are guaranteed for as long as you own the vehicle.
3. What to do at the scene of an accident?
   • Relocate vehicle to the closest safe location
   • Contact the police to determine if an officer should be present
   • If anyone is hurt, please call 911
   • Take photos of each damaged vehicle or item
4. What information do I exchange at the scene of the accident?
   • Names, phone numbers, addresses and e-mail addresses of all involved parties, occupants and witnesses
   • Insurance company name, policy number and phone number
   • Police report number, officer name, badge number and phone number
5. What do I need to do if the loss is a non collision loss such as a weather event, theft, or damage caused by an animal?
   Take the proper steps to secure your vehicle from further damage. Take photos of the damage to your auto along with the surrounding scene where the loss occurred. Contact the police if you feel it's an emergency or need to report a theft/vandalism incident.
6. When can I expect the adjuster to contact me for my inspection?
   Typically, the turnaround time is 24–48 business hours.
7. To whom do I pay my deductible?
   It will be the insured’s responsibility to pay the repair facility their deductible.
8. What if the initial check is not enough to repair my vehicle?
   The repair facility will need to submit documentation to the adjuster for any additional damage found.
9. When can I get a rental car?
   Please contact the Claims Department at 877-GERMANIA (877-437-6264) to determine if your coverage includes a rental vehicle. If the vehicle is drivable, the rental will be authorized upon the agreed repair start date.

The following steps will make filing your claim stress free:

Report Your Claim

• Report Claim Online
• Call 877-GERMANIA (877-437-6264)

Evaluation

• An adjuster will contact you to get more information about the damage(s) and provide you with information as needed.

Review Your Claim Status

• Check payment status (policyholders only)
• Non-policyholders can check payment status by calling 877-GERMANIA (877-437-6264) or your claim adjuster

1. How do I file a claim?
   You can report your claim online or call 877-GERMANIA (877-437-6264)
2. What do I need to report a claim?
   • Policy number
   • Date of the loss
   • Address of the loss location
   • A brief description of the loss
   • Your current contact information
3. What actions do I need to take before filing a claim?
   • Before any claim, resolve the immediate issue (if possible) to protect your property and prevent further damage
   • If there’s a water leak, please shut off the water
   • In the event of a theft, fire or vandalism claim call 911 and report it to the proper authorities
4. After I report my claim, what can I expect from the claims process?
   An adjuster will contact you to gather more information of the damage(s) and determine if your claim needs an inspection or can be handled more quickly with a virtual inspection. During catastrophic events, it might take longer to be contacted by an adjuster.
5. How long will it take to settle my claim?
   We offer multiple options for claim inspections, including on-site visits by a Germania adjuster, virtual methods, or working with a trusted partner. Our aim is to provide efficient and thorough assessments for all claims. If an adjuster is present on-site, we strive to issue any payment on covered claims during the inspection. In cases where virtual methods or assistance from a trusted partner are utilized, payment will be made on covered losses after we have completed the claims handling process. Our priority is to handle your claim promptly and ensure a positive experience throughout the process.
6. My home is unlivable; can I stay at a hotel?
   Our policy provides additional living expense coverage. These costs can include food, temp housing and animal boarding that is above normal living expenses. You will need to keep copies of all your receipts and invoices to support these additional costs. Please check your policy or ask your adjuster for more details.
7. How long do I need to keep damaged items around?
   Ask your adjuster before discarding any damaged items.
8. Will my mortgagee be listed on my check?
   Your mortgagee has a financial interest in the property, so they will be included as a payee on your check. It would be a good idea to contact your mortgagee, inform them of the claim and ask what their procedures are.
9. Do I need to hire my own contractor?
   Yes, in most cases, you will need to hire your own contractor to complete the necessary repairs.
10. My contractor says it will cost more than the adjuster estimated. What do I do?
    To ensure a thorough evaluation, you or your contractor must submit documentation to the adjuster. Following their review, a reinspection may be required, additional photos may be requested, or a determination will be made regarding the relevance of any additional charges to the claim.

Liability insurance is coverage that protects you against claims resulting from bodily injury or property damage which you may be responsible for if found legally liable.

To report a claim, please call 877-GERMANIA (877-437-6264).

Whether you’re driving across town or across the country, Germania’s Roadside Assistance coverage protects you while you’re on the road.

This optional coverage is available to Germania Auto policyholders for a nominal premium. Call your local agent today to have Roadside Assistance added to your Auto policy. Roadside Assistance includes travel and car care discounts, too.

By calling 855-548-3455 when you need emergency assistance, you can count on Germania to send the best roadside assistance help your way fast.

Policyholder Benefits:
This optional coverage provides you Roadside Assistance — and it covers all insured drivers on your Auto policy in any vehicle. Policy limits include up to five services per 12-month policy period.

• 24-Hour Emergency Towing Service: We’ll tow your vehicle to the destination of your choice. The first 50 miles of towing distance are covered under your Roadside Assistance coverage. The policyholder pays for towing beyond the 50-mile limit.
• 24-Hour Emergency Road Service: You’re covered for emergency road service throughout the United States, Canada and Puerto Rico.
• 24-Hour Emergency Delivery: A service truck will bring gasoline, water, oil or other necessary supplies to get you back on the road. You’ll only pay for the cost of supplies.
• 24-Hour Emergency Battery Service: We’ll jumpstart/boost your drained battery and perform minor adjustments to your vehicle’s alternator, starter, etc.
• Lockout Service: Roadside Assistance includes locksmith services if you’re locked out of your vehicle.
• Map Service: Lost? We’ll give you directions to your destination.
• Theft and Hit & Run Protection: Through this coverage, we’ll offer a $500 reward for information leading to the arrest and conviction of anyone responsible for hit-and-run damages or stealing your vehicle.

Contact your local agent today to add Roadside Assistance coverage to your policy.

Germania has contracted with Quest Towing Services to provide towing and roadside assistance to our policyholders.

Roadside Assistance covers owned and non-owned private passenger autos, pickup trucks, SUVs and vans used by the insured or family members. Motor homes, RVs and trailers are not covered. Anyone driving the covered vehicle can call for service. This does not cover the policyholder in someone else’s vehicle.

Roadside Assistance is an optional coverage that must be selected at the time a new application is written or added by endorsement to a current Personal Auto Policy. The coverage requires an additional premium charge.

• Towing for a disabled vehicle
• Minor on-site labor for mechanical or electrical breakdown
• Battery failure
• Insufficient supply of fuel, oil, water or other fluid
• Flat tire
• Lock out
• Entrapment in snow, mud, water or sand
• Map services
• Theft
• Travel discounts

Call 1-855-548-3455

The maximum distance is 50 miles from the location where the vehicle became disabled. The policyholder may select a location to which the vehicle will be towed. If that distance exceeds 50 miles, the policyholder must pay the additional towing cost at the time of service.