The claims process
Report the claim
When you experience a loss, report your claim as soon as possible.
On the phone
You can report your claim by calling AMA Insurance's 24-hour claims service at 1-888-426-2444.
Online
You can report an auto or a property claim online and an AMA Insurance claims representative will contact you within one business day (Monday to Friday) to process your claim.
Confirm loss details
Once you have reported your claim, a claims adjuster will be assigned to your claim. The adjuster is responsible for contacting you to confirm the details of the loss. This person will ask you for information about the loss and, depending on the type of claim, may need to take a statement from you. The adjuster will also discuss with you any forms that need to be completed, as well as important timelines.
Auto claims
If you are reporting an auto claim, information that may be required includes:
- When the accident occurred
- The location of the accident
- Information about passengers and witnesses
- Police information if applicable
- The vehicles involved
- Injury information for any of the parties involved
- Details about the damage on the vehicle(s) involved
Property claims
If you are reporting a property claim, information that may be required includes:
- How did the loss occur?
- Were police or the fire department involved?
- What is the severity of damage?
- What steps have been taken so far?
- Other questions regarding lost, damaged, stolen or destroyed property
Assess the damage
Auto claims
If you are making an auto claim, your claims adjuster may send you to a repair shop for a digital photo imaging (DPI) estimate, or arrange for an appraiser to come and assess the damage to your vehicle. Once the claim has been approved, you will receive a copy of this estimate.
Property claims
If you are making a property claim, your claims adjuster will arrange to complete an estimate of damage to your home and may also request a quote from a contractor. You will be provided with a copy of any estimates or quotes provided on your behalf. You are also free to obtain quotes and present these to your adjuster.
For losses involving personal property, your adjuster will work with you to inventory and price the items. This may be done with the assistance of a contractor or vendor.
Arrange for repair
Auto claims
Once the appraiser has completed an estimate or approved a digital photo imaging (DPI) estimate, you are free to take your copy to the repair facility of your choice. It is best to provide the chosen body shop with the estimate prior to repairs so any parts that need to be ordered will be available when you bring in your vehicle. If there is a deductible applicable to your claim, this can be paid to the body shop at the time of repairs. If you have rental coverage (also known as a loss of use endorsement), your claims adjuster will arrange for a rental vehicle for you to drive while your vehicle is in for repairs.
Property claims
Once the repair quotes have been reviewed and approved by your claims adjuster, you will be asked to sign a work order with your chosen contractor. You will communicate directly with the contractor regarding timelines and access to your property during the repair process.
For claims involving personal property, there are different options available to you for settling your claim. These include receiving an actual cash value (ACV) payment up front to provide you with funds to begin replacing the items. We may also be able to arrange direct billing with the vendor providing replacement of your goods. Your adjuster will discuss your options with you so that you can determine the best way to settle your contents loss.
Personal injuries
If your claim involves injuries, it will be handled by a claims adjuster specializing in this type of loss. Your adjuster will explain any medical benefits available to you and provide you with any necessary forms. You can also access these forms online.
If your claim involves injuries to the other driver or occupants of the other vehicle, an adjuster will be assigned to investigate and handle any claims brought against your policy. Your co-operation will be required to assist us in our investigation.
Close the claim
Auto claims
Once the repairs have been completed to your vehicle, we will receive an invoice and will pay this on your behalf. We will also pay any authorized rental invoices on your behalf. As well, depending on the type of loss and value of the claim, you may be asked to complete a Proof of Loss form.
You have two years from the date of the loss to finalize your claim.
Property claims
Once the repairs have been completed, we will pay the invoice on your behalf. You will be responsible for paying the deductible directly to your chosen contractor. As well, depending on the type and value of the claim, you may be asked to complete a Proof of Loss form.
You have two years from the date of loss to finalize your claim.
Injuries
There is a two-year limitation date on your claim for medical benefits. However, there are other applicable timelines that may affect you. Your claims adjuster will discuss the applicable timelines and deadlines with you.
