Claims

Need to report a claim?
We’re ready to help, 24/7

Provide your cell phone number to your claim handler today to receive claim status notifications via text. 

Auto glass claim:

or call 1-800-232-8315
Auto glass claims are sent to our partner, Safelite Solutions

Auto, home, or business claim:

or call 1-800-290-6361

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If you have an insurance claim, notify your independent insurance agent or Mutual Benefit as quickly as possible. Call your agent directly, or dial the appropriate number below 24 hours a day, seven days a week.

To check on the status of a claim from 8 a.m. to 5 p.m., Monday through Friday, have your claim number available, and dial 1-800-283-3531

“I was contacted within an
hour of the claim being filed.
Very good service."

J. B., ALTOONA, PA

What's the difference between OEM and aftermarket car parts?

How can it impact your claim?

Original equipment manufacturer (ОЕМ) раrts 

are produced by the same manufacturer that made your vehicle.

These are the parts that were originally installed in your vehicle at the factory.

Source: NerdWallet, J.D. Power

After market parts are made by third-party companies.

They're designed to fit and function like OEM parts and can sometimes offer enhanced performance or features.

So how do they compare, and what does it mean for you if your vehicle is in an accident?

Source: NerdWallet, J.D. Power

Availability

OEM parts are only available through dealerships and authorized suppliers. This means they can take longer to find than aftermarket parts.

Aftermarket parts can be easier to find in the midst of repairs, often reducing the amount of time you're without your vehicle.

Source: NerdWallet, J.D. Power

Cost

OEM parts cost more on average due to branding, guaranteed compatibility and dealership markups.

Aftermarket prices tend to be more competitive, and the parts are more widely available.
Source: NerdWallet, J.D. Power

Quality & Fit

OEM parts are guaranteed to match the original form and function. This can reduce installation issues.

Aftermarket quality can vary, with some matching or exceeding OEM quality.

Licensed auto repair shops are the experts, and they know what aftermarket parts work best for each vehicle.

Source: NerdWallet, J.D. Power

What does it mean for my auto claim?

Industry standards tend to provide OEM part coverage for vehicles in current & previous year models (ex. 2024-2025).

Aftermarket parts or salvaged OEM parts are often used for those vehicles beyond two model years.

If you have questions about your vehicle repairs,

it's best to reach out to your claims adjuster.

They can serve as a go-between with your auto shop and appraiser to ensure your repairs get completed quickly and correctly.