Automotive

To submit a claim, you will need your contract number or VIN, current vehicle mileage, a diagnosis from a licensed repair facility, and a repair estimate. Authorization is required before repairs begin. Typically the customer will provide a copy of their contract to the repair facility who will then contact our claims team. Please review your contract's terms and conditions for additional information.

Most claims are processed within 24 to 48 business hours after all required information is received. Complex claims may take longer.

Yes. The repair facility, who typically starts the claim, can provide updates like revised mileage, diagnosis details, or estimates at any time. Unless the claim has been reconciled and closed where payment has already been issued.

If you receive a claim denial, review the denial reason provided to determine the next steps. If further assistance is needed, consider reaching out to the appropriate contact for clarification or support.

Please call us at +1 (877) 686-9887 and one of our dedicated agents would be happy to assist you.

If your claim is time-sensitive or involves an emergency repair, review your contract for detailed instructions. Some vehicle service contracts include specific steps you must follow. To help us process your claim quickly, please submit all required documents as soon as possible.

To start a claim, you will need your contract number or the last six digits of your VIN. Depending on your coverage type — tire and wheel, key replacement, windshield, or dent and ding — we may also ask for details about the damage or loss, such as the location, description, and repair or replacement information. Pictures may be required to move forward. Your contract includes a section called "Filing a Claim" that explains what is required for each product, and our team will guide you through the process when you call.

Most claims are processed the same day once we have the required information. In some cases we may ask for photos or extra details to confirm the damage or loss, and for larger or more complex claims, an inspection may be assigned. Processing times can vary by coverage type, but our team will let you know if anything else is needed to move your claim forward.

Yes, unless payment has already been issued and reconciled. If you’re adding a second tire after one has already been authorized, a separate claim may be created for tracking purposes.

If you receive a claim denial, review the denial reason provided to determine the next steps. If further assistance is needed, consider reaching out to the appropriate contact for clarification or support.

Please call us at +1 (877) 687-1405 and one of our dedicated agents would be happy to assist you.

Submit all required documents as quickly as possible to expedite the process. Review your contract some contracts specify how to proceed with an emergency repair. 

To submit a claim, information required will vary by waiver. For a detailed list of information required for your claim, please refer to the section of your GAP addendum titled “Benefit Request Procedures."

Typical response time is 2-4 business days, but total processing time may vary depending on how quickly all claim documents are submitted.

You may submit additional documentation at any time by emailing gapclaims@fortegra.com

If you receive a claim denial, review the denial reason provided to determine the next steps. If further assistance is needed, consider reaching out to the appropriate contact for clarification or support.

Please call us at +1 (877) 687-1431 and one of our dedicated agents would be happy to assist you.

Please submit all required documents as quickly as possible to expedite the process.

Please contact our team at +1 (877) 687-1431 from Monday through Friday, 8:00 AM ET to 6:00 PM ET

For United Motor Club, please call (888) 651-8338 or visit our website page for more information: fortegra.com/united-motor-club

For Continental Car Club, please call (855) 379-5845 or visit our website page for more information: fortegra.com/continental-car-club