Had an accident or a loss? Here's what to do.
Step-by-step help after an accident, theft, fire or water damage, the claims numbers for the companies we work with, and how to reach us day or night.
Five steps to take
1. Get safe
Check that everyone is okay. Call 911 if anyone is hurt or the scene isn't safe.
2. Document it
Take photos, and exchange names, phone numbers, insurance and vehicle details with anyone involved.
3. Prevent more damage
For a home loss, stop the water or cover the opening if it's safe, and keep your receipts.
4. Report the claim
Call the claims number on your insurance card or use your company's app. Most are open 24/7.
5. Let us know
Call (240) 842-9293 so we can help you through the claim and answer questions along the way.
Need a tow or tags?
Our sister business, All Wheels Tag & Title, handles Maryland tags and title paperwork.
Report a claim to your insurance company
These are the claims lines published by some of the companies we work with. The number on your insurance card or in your company's app is always the right one for your policy.
| Company | Claims phone | Online |
|---|---|---|
| GEICO Auto. You can also report in the GEICO app. | (800) 841-3000 | Claims page |
| Progressive Auto and property. Also in the Progressive app. | (800) 776-4737 | Claims page |
| National General Auto and home, 24 hours a day. | (800) 468-3466 | Claims page |
| GAINSCO Auto. Online claims 24/7. | (866) 424-6726 | Claims page |
| TypTap Home and flood. | (844) 289-7968 | Claims page |
| Hiscox Business. Mon–Fri 7 am–10 pm ET. | (866) 424-8508 | Claims page |
| Chesapeake Employers Workers' comp injury reporting hotline. | (888) 410-1400 | Claims page |
| Maryland Auto Insurance Report or update a claim online. | — | Claims page |
Numbers checked on each company's website in November 2026. Not sure which company insures you? Call us and we'll look it up.
Someone always answers
When the office line is busy, or it's evening, Sunday or a holiday, Vera, our virtual assistant, picks up (240) 842-9293 in English or French. She takes your name, number and what you need, books a free policy review, or texts you our booking link, and the team follows up first thing.
Who answers when
Good to know
What should I do right after a car accident?
Make sure everyone is safe and call 911 if anyone is hurt. Exchange names, phone numbers, insurance and vehicle details with the other driver, take photos, then report the claim to your insurance company using the number on your insurance card or its app. Let us know too, so we can help.
Who do I call to file a claim?
Your insurance company's claims line is the fastest way to open a claim, and most are open 24/7. The number is on your insurance card or in the company's app. Tram's can help you through the process and answer questions.
Can I reach Tram's after hours?
Yes. When the office is closed or busy, our virtual assistant Vera answers (240) 842-9293 in English or French, takes your details and gets your message to the team, who follow up the next business day.
How do I get a new ID card or make a policy change?
Call or message the office. If we're busy or closed, Vera takes your request and the team follows up. Never send Social Security, license or payment numbers by email or text.
Need new coverage instead?
Use the guided quote form for auto, home, condo, rental or business coverage.
- No card, no obligation
- English or French
- Prefer to talk? (240) 842-9293
Auto · Home, condo & rental · Business · English or French
Calling after hours? Someone still answers.
Vera, our virtual assistant, picks up when the office is busy or closed, in English or French, and gets your message to the team.