Keystone Mutual

Auto claim

Report a car accident

Tell us what happened and we will open your claim. Everything is on this one page, and it takes most people about ten minutes. A claims specialist calls you within one business day of receiving this report.

If anyone is hurt or the scene is not safe, call 911 first. This form can wait.

Prefer to talk it through? Our claims line is open 24 hours a day at 1-800-555-0142.

What to have handy

Your policy and contact details

So we can match this report to your coverage and reach you about it.

Ten characters, printed on your Keystone ID card.

The policyholder's date of birth.

Two-letter code.

Five digits.

Best way to reach you

When and where it happened

Your best estimate is fine if you are not sure of the exact time.

Approximate is fine.

For example, the two cross streets, or a highway name and the nearest exit or mile marker.

Two-letter code.

Five digits.

In your own words. Helpful details: which direction each vehicle was traveling, roughly how fast, who had the right of way, and what you saw first.

Police and emergency response

A report number speeds up the investigation, but we can open your claim without one.

Did police come to the scene?

Usually on the card or slip the officer handed you.

Was anyone given a citation?

Your vehicle and the damage

Tell us which of your vehicles was involved and where it was hit.

Seventeen characters, visible through the windshield on the driver side, or on your ID card.

Where is the damage? Select every area that was hit.

Can the vehicle be driven?
Did any airbags deploy?

A home address, a shop, or a tow yard.

Only if your vehicle was towed.

Who was driving

If it was not you, fill in the driver's details so we can contact them.

Who was behind the wheel of your vehicle?

Leave blank if you were driving.

For whoever was driving.

Two-letter code.

Count everyone, including the driver.

Injuries

Report anything at all, even if it seemed minor at the scene. Some injuries surface a day or two later.

Was anyone hurt?
Who was hurt? Optional
Was there any medical care? Optional

Who was hurt and how, as far as you know.

The other vehicle and driver

Fill in whatever you have. Missing details will not hold up your claim.

Was another vehicle involved?

Year, make, model, and color, as best you can recall.

Two-letter code.

Use this space for a second or third vehicle, or for damage to a fence, a mailbox, or other property.

Witnesses

Anyone who saw it happen and is not one of the drivers. Skip this if there were none.

Photos and documents

Photos help your adjuster estimate the repair without a second visit.

Useful shots: all four sides of your vehicle, a close view of each damaged area, both license plates, and the wider scene. JPG, PNG, HEIC, or PDF, up to 25 MB each.

You can also send photos later. Your adjuster will text you a link once the claim is open.

Review and send

Read back over your answers, then confirm and send.

Any person who knowingly and with intent to defraud an insurance company submits a claim containing false or misleading information may be guilty of a crime and subject to fines and civil penalties. Specific requirements vary by state.

After you send this, we email you a claim number right away. A claims specialist calls you within one business day. If you need to reach us before then, call 1-800-555-0142 and have your policy number ready.

Keystone Mutual Claims line 1-800-555-0142, open 24 hours Privacy notice