Claim center

If you are involved in an accident take the following steps:

• Do not panic. Avoid any confrontation with other involved parties.
• If the vehicle is drivable, move it to a safe area (emergency lane or private driveway).
• Check yourself and passengers in your vehicle to make sure everyone is OK.
• If safe to do so, check on occupants of other vehicles to make sure everyone is OK. (MAKE A NOTE OF THE NUMBER OF OCCUPANTS)
• Call 911 if anyone is injured and contact the proper authorities. By making a report at the scene and filing a police report, you will ensure that the facts of the accident and the participants are all properly documented. You will also defend yourself from potential liability claims which may bring a legal action against you.
• Exchange the information listed below with all of the involved parties to the accident: names, addresses, contact numbers (home and cell), driver license numbers, insurance company information.
• It is important to secure the names and contact numbers to any witness.
• Immediately contact Kingsway Amigo to report the accident whether you are at fault or not.

• Report your accident to us

  The first step in the claims process is to call our customer service unit at 305-716-6000 or if outside Miami-Dade county call 1-800-226-5309.

  Kingsway Amigo Customer Service representatives will ask you accident related questions that will include:

  • Contact information, driver's licenses and insurance information of all involved.
  • Vehicles involved and other property damage.
  • Injuries to any occupants or pedestrian.
  • Police Report and Witness information.

  Kingsway Amigo Customer Service representatives will then provide you a claim number and the contact information of the claims department in charge of servicing your claim.

  Take extreme care in documenting and reporting any serious injuries

• Vehicle Inspection and Repair

  Damage to your vehicle

  After your claim has been reported,a Kingsway Amigo adjuster will be assigned to guide you through the physical damage claim and answer any questions. They will be able to assist you with:

  • Coverage question
  • Scheduling an appraisal
  • Rental options
  • Repair options

  Appraisal and vehicle repair

  Kingsway Amigo has appraisal and repair options that are available in your area.

  Selected Repair Shop

  A Professional Appraiser will assess the damage to your vehicle at a location that is most convenient for you and will provide you with a copy of the estimate. The shop of your choice would then repair your car per the estimate we previously provided you. For faster service, you may also have your vehicle towed to our Inspection Station.

  Drive In-Fastest Option

  If your vehicle is drivable and it is convenient for you, for quick service, you may have your appraisal completed at our Drive In facility.

• What if I am not at fault for the accident?

  The State of Florida is considered ,by Law ,a “Comparative Negligence” State. What this means is that parties to the accident may be found to be only a certain percentage at fault for the accident. A prompt and detailed report to your Kingsway Amigo claims team will assist in the proper investigation of the facts and will assist in a prompt decision on apportionment of liability.

  If you feel you are not fault, immediately after reporting the claim to your Kingsway Amigo claims team, you should report the claim to the at fault party's insurance company. Your Kingsway Amigo claims adjuster, will help you with the liability evaluation and help you with the comparative laws in Florida.

  If you choose to pursue the claim through your Kingsway Amigo Insurance Company we will ensure you are fully compensated for your damages as related to your accident less your applicable deductibles. Your Kingsway Amigo adjuster, will then attempt to recover your Deductible from the at fault parties insurance company.

• What if I am at fault for the accident?

  You may have a liability claim against made against you by the other person(s) involved in the accident, whether you believe you were at fault or not.

  • Your Kingsway Amigo claims team will be assigned to handle the claim being made against you by the other person(s). In the event someone reported a claim against you before you have reported an accident to us, your claims adjuster will reach you by phone. If they are unable to contact you directly they will send you a letter seeking contact and possibly send a field specialist to your home to confirm the facts with you.
  • Your claim adjuster will investigate the accident to determine fault and to what degree (if any) you could be held responsible.
  • There may be circumstances when another person is alleging injury, then a bodily injury claims specialist will be assigned to handle those claims.
  • Kingsway Amigo Insurance Company will work hard to protect you by paying for claims that you are legally responsible for,resulting from your accident.

• What if a Lawsuit is filed against you?

  If a lawsuit or civil complaint is filed against you related to your accident, you must immediately notify your Kingsway Amigo Insurance Claims Adjuster by telephone at (305) 716-6000, by fax at 305-716-6488 and mail at 3155 NW 77th Ave, Miami FL 33122. If you have coverage for the accident, Kingsway Amigo Insurance Company will provide you with legal defense. This does not include legal defense or assistance for a traffic ticket or criminal matter.

• Fraud Prevention

  Did you know that a surprisingly high percentage of property/casualty insurance claims are fraudulent? Behind tax evasion, insurance fraud is the second most costly white-collar crime in America? Add it all up and insurance fraud costs hard-working people like you billions of dollars each year. People who defraud property/casualty insurance companies not only steal from insurers but we all pay the price for their crimes. Not only does fraud cause higher insurance rates, but it victimizes you, your coworkers and your neighbors…we are all victims.

  What can you do?

  Here is a quick list of things to look for at the scene of an accident or thereafter:

  • Take photographs of the entire scene, involved vehicles, specific damage areas, people in the vehicle(s), emergency personnel working the scene (if applicable).
  • Note if any of the involved vehicles has pre-existing damage that is unrelated to your accident.
  • Note the number of passengers in each involved vehicle.
  • Report any persons who were not passengers in the vehicles that may attempt to add themselves on to the police report as passengers after the incident.
  • Report being approached by uninvolved parties (except verifiable witnesses) that solicit you or the other parties involved at the scene.
  • Report unsolicited telephone calls or personal visits.

  The State of Florida mandates the following: F.S. 817.234 “Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.”

  IF YOU SUSPECT INSURANCE FRAUD, SPEAK UP! CALL YOUR KINGSWAY AMIGO INSURANCE COMPANY ADJUSTER AT (305)716-6000 OR THE NATIONAL INSURANCE CRIME BUREAU TOLL-FREE HOTLINE 1-800-TEL-NICB (1-800-835-6422) YOUR CALL IS FREE AND YOU WILL REMAIN ANONYMOUS. YOU COULD BE ELIGIBLE FOR A REWARD.

• What to do if my car is stolen?

  A stolen vehicle is a very upsetting experience. Here are some tips to help you get through this time that will also assist Kingsway Amigo Insurance Company expedite the claim process:

  • CALL 911 IMMEDIATELY AND FILE A STOLEN VEHICLE REPORT. Please note it is customary for certain police departments to request you to file the report in person. Also, you will be required to present proof of ownership in the way of a registration or title.
  • NOTE THE CASE NUMBER AND POLICE DEPARTMENT INFORMATION.
  • TAKE NOTICE OF THE SCENE; any broken glass, remaining parts of your door cylinder; etc.
  • CONTACT KINGSWAY AMIGO INSURANCE COMPANY and report the incident. Even if you do NOT have Comprehensive Coverage, your policy requires that the theft is reported to us. This will ensure you are protected in the event the stolen vehicle is involved in any accidents during the theft period.
    
    When contacting us, please have the following available:
    • Location of all keys to the vehicle before and after the theft.
    • Names and contact information for all parties who have access to the vehicle.
    • A description of your vehicle including mileage, options and any pre-existing damage.
    • If the vehicle is financed or leased, the company's contact information and your corresponding account number.
  • Report the stolen vehicle to its finance or leasing company and authorize Kingsway Amigo Insurance Company to discuss the case directly with them.

  What do I do if my stolen vehicle is recovered?

  • Note the recovery case number and recovering police department.
  • Note the location of the vehicle, including the name, telephone number and address.
  • Note if the vehicle was recovered at the scene of an accident and if there are others involved.
  • Notify Kingsway Amigo Insurance Company immediately and provide the above information to the representative that takes your call.

• Hurricanes and other Catastrophes

  Preparedness

  Review your automobile insurance policy to ensure you have adequate protection and appropriate coverage. The only way to protect your automobile is to purchase Comprehensive coverage. Call your local insurance agent for more information.

  Click here for DISASTER GUIDES FROM THE FLORIDA DEPARTMENT OF FINANCIAL SERVICES.

  What do I do after the storm or catastrophe?

  • PROTECT YOUR VEHICLE FROM FURTHER DAMAGE.
  • MAINTAIN ALL RECEIPTS RELATED TO EXPENSES INCURRED TO PROTECT YOUR VEHICLE FROM FURTHER DAMAGE.
  • TAKE PHOTOS OF DAMAGE AND SURROUNDING AREAS.
  • NOTIFY KINGSWAY AMIGO INSURANCE COMPANY AS SOON AS REASONABLY POSSIBLE. During catastrophic times, emergency personnel will be available to take your call and begin the claim process immediately.