Claims Center

Experiencing any type of loss is stressful, and it’s important to report it as soon as possible. In all cases, it is Merchants’ goal to process your claim as quickly as possible, and to help get your life back to normal.

Ways to File a Claim

Contact Your Agent

Find your Agent

Report Your Claim Online

  1. Sign in to your Policyholder Account by clicking here.
  2. Once signed in, look for the quick link and click on “Report a Claim.”  For auto glass claims only, click on “Report Auto Glass Claim.”
  3. Not registered for our policyholder’s website?  Sign up today!

Have any questions signing up?  Contact us at 800-362-3343 or

Report a Claim

Report a Claim with our Merchants Mobile App

This app is free to download and allows you to report a personal automobile claim.

How can I get Merchants Mobile app?

  • To get started, log in to the Policyholder Login page.  If you do not already have a user ID and a password for our policyholder website click “Sign Up Now!” and complete the information.  Once you have established a username and password in our policyholder website, simply visit your respective app store and search for “Merchants Insurance”.   The free app can be downloaded quickly and used immediately.

I previously downloaded Merchants Mobile to pay my bill.  Is this the same app? Do I need to download it again?

  • Merchants Mobile is one app where you can report a personal auto claim and pay all of your bills.  If you downloaded it previously to pay your bill, you DO NOT need to download it again, but your mobile device will indicate the app needs to be updated for the new personal auto claim reporting information to appear.

What if I have questions that aren’t answered on the app site?

Merchants’ Roadside Assistance

Merchants’ Roadside Assistance program is an optional coverage for personal auto policyholders in New York and provides you with services 24 hours a day, 7 days a week such as:

  • Towing
  • Battery jump
  • Flat tire
  • Fuel, oil, fluid or water delivery
  • Lockout assistance
To use this program you must call 1-866-328-5771 for service.

Assistance obtained through any source other than through the service number is not covered and is not reimbursable.

Catastrophe Claims

Catastrophe claims are rare, but when they do occur, they affect large numbers of policyholders and generally cause extensive damage.  Catastrophes are usually triggered by natural disasters such as hurricanes, floods, high winds, hailstorms, heavy snowstorms or tornadoes.

When a catastrophe loss has been declared, Merchants will provide a dedicated claim reporting number on our website.

Report Fraud

When a policyholder reports a fraudulent insurance claim with Merchants Insurance Group, they rob each and every policyholder.

Merchants is committed to stopping these criminals.  That’s why we have established the Special Investigation Unit, our team of highly trained experts who combat insurance fraud.  You can be part of that team by providing any information about people who have committed insurance fraud, or intent to commit insurance fraud against Merchants.

Just call the Merchants Insurance Group Fraud Tip-Line at 800-401-6695, 24 hours a day.  We’re in this together.  Together we can stop it!

Claims Survey Results

About the Survey

We’re committed to delivering outstanding claims service to each and every claimant, and we back it up by routinely surveying our claims customers to measure our performance in all facets of the claim.


1:1 Our initial contact with you was timely. 4.67 4.78 4.67
1:2 Your Merchants Claim Representative acted in a professional manner. 4.66 4.89 4.72
1:3 Your Claim Representative clearly explained the claims procedure. 4.56 4.72 4.65
1:4 Your Representative was able to effectively answer your questions. 4.59 4.79 4.62
1:5 You were kept informed about the status of your claim. 4.30 4.56 4.33
2:1 The independent adjuster/inspector’s initial contact with you was timely. 4.61 4.65 4.58
2:2 The independent adjuster/inspector acted in a professional manner. 4.62 4.69 4.72
2:3 You would recommend that we continue to use this company’s services. 4.57 4.53 4.60
4:1 It was easy to file your claim. 4.65 4.74 4.69
4:2 Payment of your claim was issued in a timely fashion. 4.47 4.63 4.49
4:3 The outcome of your claim met your expectations. 4.42 4.58 4.45
4:4 You were treated as a valued customer. 4.51 4.65 4.59
4:5 Based on your experience with our claims service, you would
be inclined to renew your insurance policy with Merchants.
4.54 4.66 4.62

Scores are based on a scale of 1 to 5, where:
5 = strongly agree, 4 = moderately agree, 3 = neither agree nor disagree, 2 = moderately disagree, 1 = strongly disagree.

Contact Merchants via Phone

Call Merchants to report your claim during business hours 8:00am – 5:00pm, Monday – Friday

  • Massachusetts: 800-258-3574
  • Michigan: 800-952-5246
  • New Hampshire: 800-258-3574
  • New Jersey: 800-322-8608
  • New York: 800-952-5246
  • Ohio: 800-952-5246
  • Pennsylvania (Eastern): 800-322-8608
  • Pennsylvania (Western): 800-952-5246
  • Vermont: 800-258-3574
  • To report a Cyber Liability claim, please call 800-952-5246
  • To report an Auto Glass claim, please call 877-446-0431
  • All Others: 800-952-5246

After business hours, call Merchants to report your claim at  888-644-6680

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