Auto Claims Process

Our goal is to process your claim promptly and settle it fairly.

Having an accident or damage to your auto is a very stressful time. Our experienced, trained adjusters are there for you. They will walk you step-by-step through the process. They will explain in simple terms what’s covered and what’s not and, most importantly, why. And they will settle the claim promptly, painlessly and fairly.

The steps of a basic auto claim include:

  1. Penn National Insurance receives the claim and assigns it to a claims adjuster no later than the next business day
  2. You will be contacted by a local claims adjuster within 24 hours of receiving the assignment
  3. The adjuster gathers any other additional information and discusses the options with you:
    • You can obtain an estimate from the repair shop of your choice
    • If you need a suggestion for a reputable repair shop in your area, you can review our list of Preferred Repair Shops.
  4. If the damage is significant, an appraiser will be immediately assigned to inspect the vehicle
  5. If you have obtained an estimate of damage from the repair shop of your choice, it is reviewed by our Small Estimate Review Team. An agreed repair price with the shop of the owner’s choice is obtained and payment is issued to you minus the appropriate deductible.
  6. You have the repairs completed to your vehicle and are responsible for paying the bill at the repair shop

Why Work With An Agent?

Your agent is your partner, making sure you have the protection you need.

Our Agents

Outstanding Service

When you have an accident, you want to know you'll be treated right.

Our Service

Online Tools & Services

From our mobile app to online payments to paperless billing and policies, we have the options so you can manage your policy, your way.

Your Tools