What to do after an accident or loss.
A claim is stressful. This page walks you through exactly what to do — step by step — and gives you every carrier's direct claims number. Call your carrier first for fastest service; we're here for coverage questions and follow-up.
After an accident or loss — in order.
Call 911 if there are injuries or the road is blocked
Safety is always first. If anyone is hurt, if vehicles are blocking traffic, or if there is a hazard (fuel spill, downed lines), call 911 before anything else. Do not move injured persons unless there is immediate danger.
Document the scene
Once it is safe, photograph all vehicle damage, license plates, the full scene, road conditions, and any visible injuries. Get the other driver's name, phone, insurance company, policy number, and license number. Get contact information for any witnesses.
File a Utah crash report if required
Utah law requires you to report any crash involving injury, death, or $1,500+ in combined property damage to the Utah Driver License Division. You can file online at dld.utah.gov. Do this within 10 days.
Call your agent
Your agent can help you determine if filing a claim is financially advisable, preventing unnecessary rate hikes. Your agent can review your coverage and deductibles, offer advice, and may be able to suggest preferred contractors.
File with your carrier
Use the carrier directory below to find your insurer's 24/7 claims line or online portal. Have your policy number ready. The adjuster will guide you through the rest of the process — inspection, repair, and settlement.
Get the repair or replacement process started
Your carrier will assign a claims adjuster who can authorize a repair shop or, for total losses, provide a settlement offer. You have the right to use any licensed shop.
Follow up and close the claim
Keep records of every conversation — adjuster name, date, what was said. If a claim drags on or you feel the offer is unfair, contact us. Independent agents can escalate with carriers in ways individual policyholders often cannot.
Find your carrier's claims number.
All claim lines listed below are published by the carriers and verified as of April 2026. If your carrier is not listed, call Desert Crest Insurance for more information.
Allstate
24/7American Modern
Mon–Fri · 8a–8pASI / Progressive Home
24/7Bristol West
24/7Dairyland
24/7 · 365 daysForemost
24/7Include your policy number in the email.
Gainsco
Hagerty
Homeowners of America
The Hartford
24/7- Personal:1-800-243-5860
- Business:1-800-327-3636
Nationwide
24/7Progressive
24/7- 1-800-274-4499
- Roadside:1-800-776-2778
Safeco
24/7State Auto
24/7- 877-722-5246
- Glass claims:888-504-4527
- File online
Travelers
24/7United Heritage
Have a coverage question? Call us.
Jorge and Eduardo answer their own phones. After you've reported the claim to your carrier, we're here to review your coverage and follow up with the adjuster on your behalf.
Once you've reported the claim to your carrier, give us a call. We can review your policy, answer coverage questions, and help you weigh whether filing makes financial sense.