Claims Support
How To File a Claim
Something just broke and you're trying to figure out what happens next. Here's the four-step version: stop using the broken thing, call us, we authorize the work, the shop bills us. That's it.
Step by Step Guide
Four Steps. No Hold Music.
When something breaks, you don't have time to read a manual. Here's the whole process from your end — pick up the phone and we take it from there.
Call Us First
Report your breakdown and get immediate assistance
What to Do
- Stop using the broken thing if it's safe to do so — running a failing engine or leaking water heater turns one repair into two.
- Call 1-800-381-3169 any hour, any day of the year. A real person opens the claim while you're still on the line.
- If you're not sure where to take a vehicle, the team can point you to the nearest ASE-certified shop. Home claims, we dispatch the technician to you.
Car Rental
For auto service claims, arrange for a car rental while your vehicle is being repaired
AUTO CLAIMS ONLY: WHAT TO DO
- Once the claim is open, we walk you through rental reimbursement, rideshare credits, or trip-interruption benefits — whichever your plan tier covers and whichever fits the situation.
We Authorize the Repair
Our team reviews and approves your claim
What to Do
- A Claims Advisor talks directly with the technician — diagnosis, parts, labor — and confirms what's covered. We then call you with the green light. No back-and-forth, no waiting on a third party.
We Pay the Shop
We handle payment directly with the repair shop
What to Do
- Once the work is approved, we issue an authorization number to you and the technician so the repair can start without waiting on more paperwork.
- The shop bills Patriot Plan directly for the covered work. You pay the deductible at the counter — that's the whole bill on a covered, authorized repair.
Claims Department
Our claims team is available 24/7, 365 days a year to help you through the process and get you back on the road quickly.
Call Claims Department24/7 Roadside Assistance
Need emergency roadside help? Our 24/7 assistance team is always ready to help with towing, flat tires, lockouts, and more.
Call 24/7 Roadside AssistanceSupport Center
Frequently Asked Questions
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