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Commercial Insurance

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Product Claim Q&A

In California, you are required to have liability insurance as well as coverage for uninsured motorist if you are going to operate a motor vehicle. Anyhealth Insurance is here to help you find the coverage you need for your vehicles.

Bodily Injury Liability:: Pays for expenses related to injury or death of others when you are at fault.
Property Damage Liability:: Pays for damage caused to someone else's property. Such as damage to (Parked Car, Lamp posts, Telephone poles and more).
Uninsured and Underinsured Motorist:: Reimburses you, a designated driver as well as passengers when an accident is caused by someone who doesn't have auto insurance nor has auto insurance that is underinsured. This coverage also pays medical bills, lost income as well as pain and suffering. It also offers protection in the event of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.
Comprehensive:: Pays for expenses caused by Theft, Fire, Falling objects Vandalism, Riot, or Animal Damage. It will also pay for windshield damage.
Collision:: Pays for damage to your vehicle resulting from a collision with another vehicle, an object, such as a tree or telephone pole, or as a result of flipping over.
Medical Payments:: Pays for the treatment of injuries to the driver and passengers of the policyholder's car. It also covers medical payments, funeral costs, and lost wages.
Rental Reimbursement:: Covers the cost of renting a car or other transportation expenses while your vehicle is in the shop
Roadside Assistance:: Covers the cost of common roadside services such as replace tire, jump-starts, or towing (limitations applied).

What is covered under your commercial auto insurance policy?

We understand the hassles that come along with filing your claims which is why we want to make this process as quick and painless for you as possible. Below you will find all the information you will need to file your claims.

At the time of the accident, if you don't know whether it was your fault or not. Don't admit Fault since it may impact the claims investigation!
Do not reveal the limits of your insurance coverage to anyone.
Exchange the following with all parties involved:
• Contact Information (Name, Phone number)
• Vehicle Information (Year, Make, Model, Plate Number)
• Insurance (Insurance Company, Policy Number of all those involved)
Identify witnesses and collect their contact information
Contact the police or call 911 if applicable
Contact us at 626-363-2228 Rowland Heights Office or 949-943-1789 Irvine Office.

What to do at the time of an accident?

Have Us File your Claim for you

Call us at 626-363-2228 Rowland Heights Office or 949-943-1789 Irvine Office
Email: claim@anyhealthinsurance.com

File your Claim Directly with Insurance Company

Anyhealth Insurance has selected insurance companies that provide 24-hour services. Please find their contact information as follows.

Insurance Company	Claim Phone Number
Nationwide Insurance	1-800-282-1446
Liberty Mutual	1-800-282-6848
The Hartford	1-800-274-7865
Guard Insurance	1-888-639-2567
Progressive	1-800-776-4737
Stillwater Insurance	1-800-220-1351
Travelers	1-800-238-6225

Filing a Claim

When you file a claim, you'll be asked to provide some basic details:

Location, time of day and weather condition
Names, contact information, vehicle information of anyone involved in the accident, how many vehicles are involved?
Any pictures of the accident
Description of what happened
Was anyone injured?
Names and badge numbers of any officers that responded to the incident
A copy of the accident report

What information do you need to prepare when filing a claim?

Step 1: Submit your Claim

Step 2: Wait for your insurance company's assigned claims adjuster to contact you.

Step 3: If you haven't heard from your claims adjuster within one week please contact us!

*Need Assistance selecting a repair shop? Please contact us if you need assistance locating an auto repair shop.

Claims Procedure

1. Under what circumstance do you need to purchase a commercial auto insurance policy?

Using the vehicle to carry equipment
Transporting flammable or hazardous material
Transporting housekeeping equipment for business use
Using, carrying, or transporting cranes, winches, or plows
Hiring your vehicle out to tow other vehicles
Delivering any goods, such as pizza, or any types of wholesale or retail products
Delivering newspapers
Trucking and freight transportation
Transporting people as a chauffeur, limousine service or taxi service

2. Will my insurance increase if I make a claim?

There are certain factors that may result in an increase to your policy premium.

Determination of fault
Amount of damages paid
State regulations
Previous accident and violation (conviction) history
Type of accident or violation
Severity of accident or violation

3. Is Commercial Auto Insurance Tax-Deductible?

Yes, your commercial auto premiums are deductible. Please consult with your accountant on how much can be deducted.

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