Filing a claim is easy
We've got your back.
OnStar Insurance makes filing a claim for your vehicle quick and easy. Our team of adjusters are ready to help 24/7, to assist with filing claims like:
Report damage to your vehicle or an accident.
If you have a flat tire, run out of gas or find yourself stranded; call this number for immediate assistance.
For immediate assistance with damaged or broken windows or windshields, start your claim here or call the number below.
Report damage to your home or property.
- Make sure everyone is safe. Then, if possible, turn on your hazard lights and move out of traffic.
- If someone is hurt, call 911 immediately. If no one is injured, call the local police department's non-emergency phone number. They can help clean up the accident, facilitate the exchange of information between you and any others involved and help set up a tow for your car.
- If other vehicles were involved in the accident, collect their contact, license and insurance information before anyone leaves the scene. If you feel unsafe doing so, wait for the police to arrive. Do not discuss fault or your insurance coverage.
- Take photos of the license plates of all involved, any damage to all vehicles, street names, road conditions, other property damage and any injuries if possible. Get the names and badge numbers of all police at the scene.
- Once everyone is safe, information has been exchanged, you've been released from the scene by authorities and you have taken photos of everything, you should file a claim with us as soon as possible.
- The date and time of the event
- A brief description of what happened
- Any photos of damage done to your vehicle
- The insurance and contact information of any others involved
- Log in to My Account
- Connect with our Call Center at 1-888-495-4OSI (4674)
Yes, the policy deductible applies even if you're not at fault. Once your claim is paid, and if the at-fault party is known, we'll seek to recover the payments — including your deductible — from the responsible party or that party's insurance company. If the deductible is recovered during this process, you’ll receive a refund for the full deductible amount.
For vehicle repairs, payment is usually issued within 24-48 hours, once you and your adjuster have agreed on the repairs. For total loss situations and more complex accidents, like those where injuries are involved, the amount of time it takes to receive your check varies.
If the cost to repair your vehicle approaches or exceeds the value of your vehicle, it may be considered “non-repairable” or a “total loss”. Your claims adjuster will complete a thorough inspection of your vehicle to determine its fair market value. Upon receipt of your title paperwork, a check for the total loss value — minus your deductible — will be issued to you and, if appropriate, your lien holder.
We pay actual cash value for covered losses, excluding your deductible, up to your policy limit. You may be responsible for any loan balance above that amount.