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Need to file a claim?Call your carrier first.

Carriers take claims 24 hours a day, seven days a week. Reporting directly to them is the fastest way to get your claim moving — and you do not need to reach us first.

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If the accident just happened.

Safety first. Move out of traffic if you can do so safely, and call 911 if anyone is hurt or if there is significant damage. In Washington a police report is often required and is almost always useful later.

Then, before anyone leaves, collect what you can: the other driver's name, phone, insurance company and policy number, their licence plate, and photos of both vehicles, the scene and any visible damage. Photos taken at the scene are worth more than anything reconstructed afterwards.

Report to your carrier as soon as you reasonably can. Most policies require prompt notice, and delays can genuinely complicate a claim. Your carrier assigns the adjuster, arranges inspection and issues payment — so they are the right first call, not us.

Have ready when you call:

  • Your policy number
  • Date, time and location
  • What happened, in plain terms
  • Police report number, if any
  • The other driver's details
  • Photos from the scene
Report Your Claim

Carrier claims contacts

Your carrier's name is on your insurance card and your declarations page. Report directly to them, any hour of the day. If you would rather we helped you submit it, call the office on (206) 878-1404.

Insurance CompanyFile a Claim OnlineClaims Phone
Bristol Westbristolwest.com/claims1-800-274-7865
Dairylanddairylandinsurance.com/claims1-800-334-0090
Foremostforemost.com/claims1-800-274-7865
Hagertyhagerty.comCall our office
Kemperkemper.com/claims1-800-353-6737
MetLifemetlife.com/file-a-claimCall our office
National Generalclaims.nationalgeneral.com1-800-468-3466
PEMCOpemco.com/claims1-800-467-3626
Progressiveprogressive.com/claims1-800-776-4737
Safeco / Liberty Mutuallibertymutual.com/claims-center1-800-225-2467
Stillwaterstillwaterinsurance.com/claims1-800-220-1351
Not Sure Who To Call?

We will find your carrier for you.

If you cannot find your insurance card or you are not sure which company wrote your policy, call our Des Moines office or use the chat button during business hours. We will look up your policy and give you the right claims number in a couple of minutes, or help you submit the claim.

We can also walk you through what to expect, chase an adjuster who has gone quiet, and help you understand a settlement offer.

  • We look up your carrier and policy number
  • We can help you submit the claim
  • We follow up if your adjuster goes quiet
  • Se habla español

Sav-On office hours:

  • Monday–Friday, 9:00 AM – 5:00 PM
  • (206) 878-1404
  • 22815 Pacific Hwy S, Des Moines
  • Carrier claims lines: 24/7

Common Questions

Should I call Sav-On or my insurance company first?
If it is after hours, call your carrier — their claims lines run 24/7 and they assign the adjuster. During business hours, either works. Call us if you would rather we helped you submit it, or if you are not sure which carrier wrote your policy.
Will filing a claim raise my rates?
It depends on fault, the type of claim and your carrier's rules. An at-fault accident usually affects your rate at renewal; a comprehensive claim such as a windshield often does not. If you are weighing whether to file a small claim, call us and we will talk it through honestly before you decide.
What if the other driver has no insurance?
Report it to your carrier anyway and tell them. If you carry uninsured motorist coverage, that is exactly the situation it exists for. Uninsured drivers are common on urban King County roads, which is why we push people not to drop that coverage.
My adjuster has not called back. Can you help?
Yes, and this is where an agency earns its keep. Call us with your claim number and we will chase it through our carrier contacts.
Do I need a police report?
In Washington a report is often required depending on injuries and the dollar amount of damage, and carriers frequently ask for it. When in doubt, file one. It is far easier to have it and not need it.

Not sure who your carrier is?

Call us and we will look it up, give you the right number, or submit the claim with you.

Call (206) 878-1404 Review My Coverage

Monday–Friday, 9:00 AM – 5:00 PM. Carrier claims lines are open 24/7.