What is the deadline to start a claim?

Most policies require you to report claims "promptly" — typically within 30 to 60 days of the incident. Delaying your report can jeopardize your coverage. File as soon as it is safe and practical to do so, even if you do not yet have all documentation.

Should I contact my carrier directly or go through VKOVR?

Filing through VKOVR means you have an advisor monitoring the process from day one. We help ensure your claim is categorized and documented correctly at the outset, which directly impacts how quickly and fairly it resolves.

What happens after I submit my claim?

You will receive a confirmation with a claim reference number. A licensed adjuster is assigned within one business day. Your adjuster will contact you to schedule an inspection or request additional documentation. Your VKOVR advisor remains your advocate throughout.

Start Your Claim Quickly and Confidently

VKOVR makes the claims process straightforward. Whether it's auto, home, life, or commercial — file online in minutes and get an advisor assigned to your case the same day.

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What You Will Need

Gathering these items before you start will make your claim faster and smoother. You do not need everything — file now and add documentation as it becomes available.

Policy Number

Found on your policy documents, insurance card, or VKOVR account portal.

Incident Date, Time & Location

The exact date, approximate time, and full address or location of the incident.

Incident Description

A clear, factual account of what happened — without opinions or admissions of fault.

Photos & Videos

Document all visible damage from multiple angles before any cleanup or repairs begin.

Police or Incident Report

Required for auto accidents with injuries, theft, vandalism, and hit-and-run incidents.

Other Party Information

For auto claims: name, phone, insurance carrier, and policy number of other driver(s).

Need the full checklist? View the complete claim documentation checklist →

How Starting a Claim Works

Gather Your Information

Have your policy number, the date and location of the incident, and a description of what happened. Photos and supporting documents will speed up your claim significantly.

Submit Your Claim

File online using the form below, call our claims support line, or speak with your VKOVR advisor directly. Filing online is available 24/7 with immediate confirmation.

Get Assigned an Adjuster

Once your claim is submitted, a licensed adjuster is assigned to your case. Your VKOVR advisor stays involved to ensure the process moves efficiently and fairly.

Track and Resolve

Monitor your claim status online, upload additional documents as requested, and communicate directly with your adjuster — until your claim reaches a fair resolution.

Questions About Starting a Claim

Yes, but having your policy number significantly speeds up the process. You can find it on your insurance card, policy declarations page, or VKOVR account. If you do not have it, your advisor can look it up using your name and address.

Ready to File? Start Your Claim Now.

File online 24/7 or call our claims team directly. A VKOVR advisor will be assigned to your case the same day.

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