Claims Information

We work with you and our carriers throughout the entire claims process – from initial response through final resolution – to provide fast, caring service and to settle your claim.

As a Sterling personal insurance policy holder, you have the option of contacting Sterling at
586-323-5700 during business hours or 24 hours below.

Report Claims Directly to Your Carrier Within 24 Hours

    • When you need to report a claim, all of our carriers offer 24-hour toll-free reporting, 365 days a year. There you can report your claim and get immediate answers for all your concerns.


    • A claims representative will contact you approximately two hours from the time you report your claim. The representative will answer your questions and schedule an inspection of your vehicle or property. Be sure to discuss any questions you have about deductibles, what is covered and the specific repairs at this time.


    • For auto claims, we will inspect your vehicle’s damage at “your” convenience. No need to drive all over town to various claims centers or collision shops for “three estimates”.


For Auto Claims

    • Your vehicle can be taken to the repair shop of your choice, not ours. If you require assistance in selecting a repair shop we can suggest one for you.


    • If you need a rental car and your policy covers one, your claims representative can make arrangements for a rental. Keep in mind that rental reimbursement varies based on policy coverages and accident circumstances.


    • If you use a carrier-suggested repair shop, you’ll get a lifetime guarantee on the repairs, which is valid for as long as you own or lease the car.


  • We will keep you informed about your claim by periodically checking the status of repairs and addressing any further issues, such as additional damage, supplemental payments or changes to the expected completion date.

We settle your claim quickly, fairly and accurately so you can move on with your life.

Have questions about the claims process?

Check out some informative articles and videos provided by the Insurance Information Institute.

Homeowners Claims

How do I file a homeowners claim?
How is the settlement amount determined?
How does the payment process work?
What can I do if I have trouble settling my claim?
What is a public adjuster?
How can I avoid scams after a disaster?

Auto Claims

How do I file a claim?
What can I do if I have trouble settling my claim?
If I file a claim, will my premium go up?
How is the cost of repair determined?
What are my rights when filing a claim?
Do I have to use certain types of auto repair parts?

Claim Numbers

As a Sterling personal insurance policy holder, you have the option of contacting Sterling at
586-323-5700 during business hours or 24 hours below.


Ace / Chubb
Claims Reporting – 800-847-5442

Accident Fund
Claims Reporting – 866-206-5851

Personal – 800-282-1446, Commercial – 866-322-3214

American Modern
Claims Reporting – 800-543-2644


Auto-Owners Insurance
Claims Reporting 24 hours – 888-252-4626

Bristol West
Claims Reporting – 888-888-0080

24 Hours Claims Reporting
After Hours 888-760-9195

Chubb Group of Insurance Companies
Claims Reporting – 800-252-4670

Claims Reporting 9AM-5PM

Citizens Insurance Company of America
Claims Reporting – 800-628-0250

Claims Reporting – 877-262-2727

Encompass Insurance
Claims Reporting – 24 Hour Service

Claims Reporting – 800-help-point

Firemans Fund Insurance Company
Claims Reporting – 888-FIREHAT

Claims Reporting – 800-527-3907

Grange Insurance Group
Claims Reporting – 800-445-3030

Hartford Insurance
Claims Reporting – 800-327-3636

Claims Reporting – 800-279-7221


Michigan Millers Mutual Insurance Company
Claims Reporting – 800-336-3124

Claims Reporting – 800-765-9749

Progressive Auto Insurance
Claims Reporting Hotline – 800-274-4499

Claims Reporting Hotline – 888-723-3260

State Auto
Claims Reporting Hotline – 800-766-1853

Titan Insurance
Claims Reporting Hotline – 800-775-4642

Travelers Insurance
Personal – 800-252-4633
Commercial – 800-238-6225

Claims Reporting Hotline – 800-552-9134

Claims Reporting – 800-987-3373