Have a Question?


We are here to help you 7 days a week and respond within 24 hours. Plus, you can find most answers to your questions right on this page.

If you are involved in an accident, please contact your local law enforcement authority as soon as it is safe to do so.

It depends on how complicated the claim is, how severe the damages or injuries are, and how willing other involved parties are to cooperate. Whip claims representatives always work toward prompt resolution of every claim. If a claim requires follow-up work, we’ll be there with you every step of the way – no matter how long it takes. If your claim has been concluded and additional damage or injuries are identified, we’ll reopen the claim and determine if your policy provides coverage for the additional expense.

You can fax the documents to us at (877) 890-0531
You can email your documents to us at claims@whipclaims.com

Here at Whip claims management we will provide a loaner vehicle for you while the vehicle is non drivable or getting repaired. The loaner will be available until your vehicle is safe to drive.

Your estimate includes all loss related damage that can be identified during the inspection. If additional loss-related damage is found during the repair process, we’ll re-inspect your vehicle. We’ll work with you and the shop to update the estimate if needed.

The decision on whether to repair is yours—and it’s OK to not repair. We can help you decide whether you’d like to receive a payment for the damages or if we can assist in managing the repair process for you. You can also choose any shop you prefer—just let us know so we can review the estimate with the shop and issue payment to the shop directly.

There are several factors that determine if your vehicle is a total loss, including:

    • Severity of damage
    • Vehicle age/condition
    • Market value of the vehicle before the accident
    • Salvage value of the damaged vehicle

The claims representative who inspects the damage will go over and verify the details with you. We will then request permission to move your car to a free storage location. Please remove any personal belongings and tags and leave the keys in the car for us. A claims representative from our total loss unit will contact you in approximately three business days after the inspection to settle the claim. Have your loan information and/or title ready for this discussion to expedite the handling of your claim.

At the time of settlement, we will request loan information or a copy of the title. If you have an outstanding loan, continue making your monthly payments until your lender advises otherwise.

In some situations, a total loss payment may be less than the total amount left on your loan or lease. Who is responsible for the difference depends upon the terms of the agreement between you and your lender. In most cases, you are responsible. Please consult with your lender regarding the remaining balance.

Loan and Lease Coverage is an add-on policy option available in some states. It is designed to protect you by covering this potential discrepancy between a total loss value and the amount left on your loan or lease. It will cover the difference between the unpaid amount due on your loan or lease and the actual cash value of your totaled car.