Claims Guidance
When something goes wrong, know what to do. We walk you through roadside assistance, how to file a claim, and your rights as a policyholder in Georgia.
Roadside Assistance & Towing
Many auto policies include roadside assistance or towing coverage. Before you call a tow truck and pay out of pocket, check whether your policy covers it.
What Roadside Assistance Typically Covers
- Towing to the nearest qualified repair shop
- Battery jump-start
- Flat tire change
- Lockout service
- Fuel delivery (typically one gallon)
Roadside vs. Filing a Claim
Roadside assistance is usually a standalone benefit with no deductible and no claim record. Using roadside to call a tow truck after a breakdown is generally NOT the same as filing a collision or comprehensive claim. However, if the incident involves another vehicle or significant property damage, a formal claim may be required.
When in doubt, call your agent first — we can tell you whether to use roadside or open a claim.
Quick Tip
Save your carrier's roadside number in your phone now — before you need it. It's on the back of your insurance card.
Alternatively, call us at 678-888-1011 and we will look up your roadside benefit and connect you.
How to File a Claim
The first 24 hours matter. Here is what to do immediately after a loss.
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Ensure Safety First
If anyone is injured, call 911 immediately. Move vehicles and people to safety if possible without further risk.
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Document the Loss
Take photos and video of all damage before anything is moved or cleaned up. Capture the scene, not just the damaged item. Get contact information from any other parties involved.
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Contact Your Carrier Promptly
Most carriers require prompt notice of loss. Use the claims number on your insurance card or your carrier's mobile app. Keep a record of your claim number, the adjuster's name, and every conversation.
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What to Say (and Not Say)
Describe the facts of the loss accurately. Do not speculate, admit fault, or estimate damage values. Stick to what you observed. You can always add information later.
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Mitigate Further Damage
You have a duty to prevent additional damage — board up a broken window, cover a damaged roof with a tarp. Keep receipts. These reasonable costs are often reimbursable.
Know Your Rights as a Georgia Policyholder
Acknowledgment Timeline
Under Georgia law, your carrier must acknowledge receipt of your claim within 10 working days. They must also provide you with the necessary forms within 15 working days.
Decision Timeline
Carriers must accept or deny your claim within 15 working days of receiving all documentation. Delays beyond this window may be actionable.
Bad Faith Law
Georgia law (O.C.G.A. § 33-4-6) allows policyholders to recover penalties and attorney fees if a carrier refuses to pay a valid claim in bad faith. If your claim is improperly denied, consult a licensed attorney.
Questions about a claim? Call us at 678-888-1011 — we can help you understand what your policy covers and advocate with your carrier on your behalf.