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First, make sure everyone is safe and call 911 if there are any injuries. Exchange information with all parties involved and take photos of the scene, damage, and any relevant details. Then contact Nova Coverage or your carrier's claims line as soon as possible to report the incident.

We recommend reporting any incident as soon as possible, ideally within 24 to 48 hours. Delays in reporting can complicate the claims process and may affect coverage. The sooner we know, the faster we can help.

Not necessarily. Premium changes depend on many factors including the type of claim, fault determination, your claims history, and your carrier's underwriting guidelines. Our team can help you understand how a claim may impact your policy at renewal.

Gather as much information as possible: date, time, and location of the incident, a description of what happened, contact and insurance information for all parties involved, photos of damage, and a police report number if applicable. Don't worry if you don't have everything — our team will help you through it.

Yes. While our office hours are Monday through Friday, 9am to 7pm EST, you can file a claim 24/7 by calling your carrier's claims department directly using the numbers listed on this page. You can also submit our online form anytime and we'll follow up on the next business day.

Your carrier will assign a claims adjuster to your case. The adjuster will review the details, may request additional documentation, and will work toward a resolution. Nova Coverage will stay in communication with you throughout the process to make sure things are handled properly.

Yes — if you submit the form on this page or call our office, we will gather the necessary information and file the claim with your carrier on your behalf. We act as your advocate throughout the process to ensure your claim is handled fairly and efficiently.