Commercial Auto

Report your commercial auto claim within 24 hours

In case of emergency, always call 911.

Two easy ways to file your commercial auto claim


Call the 24/7 claim intake line within 24 hours of the incident: 844-581-0828.

Commercial auto claim FAQs

What do I do when there is an auto accident?
  1. Notify Pie Insurance: Immediately report the commercial auto claim to Pie via phone at 844-581-0828 or email at claims[at] Provide us with all relevant details, including the date, time, and location of the accident, as well as information about any injuries sustained and the extent of property damage.
  2. Assist involved parties: Ensure the safety and well-being of all involved parties. If necessary, provide medical assistance or arrange for emergency services. Cooperate with law enforcement if they are called to the scene.
  3. Document the incident: Document the details of the accident thoroughly. Take photographs of the scene, including any damage to vehicles or property. Gather contact information from witnesses and obtain a copy of the police report, if available.
  4. Complete claim forms: Work with your Adjuster to complete and submit any required claim forms promptly. This may include the Accident Report Form and any other documentation specific to your insurance policy or state regulations.
  5. Coordinate repairs: Coordinate repairs for any damaged vehicles involved in the accident. When necessary, follow the guidance of your Adjuster regarding repair shops and/or approved vendors.
  6. Facilitate investigation: Assist your Adjuster in investigating the circumstances of the accident. Provide accurate information and cooperate fully with any inquiries to expedite the claims process.
  7. Monitor claim progress: Stay informed about the progress of the commercial auto claim. Follow up with your Adjuster regularly to obtain updates on the status of the claim and any actions required on your part.
  8. Review preventive measures: Take this opportunity to review your company's driving policies and safety procedures. Identify any areas for improvement and implement corrective measures to reduce the risk of future accidents.
Will this affect my premium?

There are many factors that we may take into account when reviewing your policy, including your driving record, past claims history, etc. If you have questions, please contact your agent.

Will you pay for a rental while my vehicle is in the shop?

Pie offers optional rental coverage that can pay for some or all of your rental car fees. Just check your policy or work with your claims representative to see if and how this optional coverage applies.

Will I still have to pay my deductible if I wasn’t at fault?

Yes, the policy deductible applies even if you’re not at fault. Once your claim is paid and the other insurance company is known, Pie will seek to recover any monies paid towards your repairs, including your deductible, from the responsible party. We can’t promise that we’ll always be able to recover your deductible from the other insurance company or driver, but we’ll do our best to make it happen. If there is shared responsibility, the amount you receive back may be prorated.

What is insurance fraud?

The definition of insurance fraud is a deceptive act against an insurance company by a person, usually for financial gain. The FBI estimates that non-healthcare insurance fraud costs around $40 billion a year for insurance companies, resulting in a $400-$700 yearly increase in premiums for the average American family. If you believe you have witnessed insurance fraud or may be a victim of a scam, follow these steps to report the issue:

Can the check be issued with only my name or my business name?

If you have a loan on your vehicle, your lienholder has an interest in making sure your vehicle is repaired. In a case where there is a lienholder on your title, you will have the option of us issuing the payment directly to the repair shop or we issue your check in your name/business name and your lienholder’s name. If there is no lien on your vehicle, we can issue payment to the titled owner.

Can I use my own repair shop to make repairs to my vehicle?

Yes, the choice of a repair shop is up to you. You will need to simply provide the repair shop with a copy of your estimate.

My vehicle was determined to be a total loss, what does that mean?

A vehicle is deemed a total loss when the cost of repair to return your vehicle to its pre-loss condition is greater than the value of the vehicle. In some states, a vehicle may be deemed a total loss if the repair costs exceed a specific percentage of the vehicle’s value. Or a vehicle may be deemed a total loss if it cannot be returned to its pre-loss condition.

What if my repairs cost more than your estimate?

Your estimate will include all damages related to your loss that can be seen without taking your vehicle apart. Finding additional damage isn’t unusual, we can’t always see all the damaged parts when writing the initial estimate. If the repairs cost more than the provided estimate, your repair shop should contact your Pie representative to discuss any additional accident-related damages.

What is subrogation?

Pie’s contractual right to recoup the monies paid on your behalf following a claim if the accident was caused in whole or in part by another party.

Do I need to file a police report?

Having a police report may be helpful and can simplify the claims process, but you can still file a claim without a police report. However, a police report will be required when filing claims for a hit and run accident, theft claim, or fire claim.