FAQs

Underwriting

Can I apply directly to American Transit for insurance?
A. No, American Transit relies on it’s extensive group of approved brokers throughout New York State. Click on the link below to find a broker near you!

Broker Search

I would like to purchase a new vehicle, how will this affect my insurance?
A.Depending on the line of business and the current classification of your policy, you may qualify for a change in premium. Please contact your broker for more information.

What is endorsement?
A. An endorsement modifies the original terms of your contract. An endorsement is a change to your policy made during the policy term.

Does ATIC offer Garage and Dealership insurance policies?
A. Yes, for more information please contact your ATIC authorized broker.

I received a cancellation for non-payment of premium, how do I get my policy reinstated?
A. Please contact your broker as soon as possible for assistance.

I received a cancellation for failure to report an accident what do I do?
A. Please contact your broker as soon as possible.

I received a revocation letter from the DMV, what should I do?
A. Please contact your broker for assistance.

Claims

How do I report an accident or file a claim with ATIC?
A. Please call 1-800-683-ATIC (2842) extension 455. Please have the following information available in order to expedite this process: insured name, driver, policy number, insured’s vehicle identification number/year/make. Be prepared to mail any required information, accident reports and/or photographs to: American Transit Insurance Company 5 Broadway, Freeport New York 11520, email: firstreports@american-transit.com or fax 1-212-857-8254.

If required information is not provided in a timely manner, further investigation may be necessary and may result in delayed claim processing.

What is the time frame for claim processing?
A. Every claim is unique, our experienced claim professionals will do their best to get your claim resolved efficiently and within New York State regulatory time frames.

I was involved in an accident with one of your policy holders, I reported the accident and have a claim number, now what?
A.Complete a “Form 5” claim form. We will schedule an appointment for an inspection, once the claim inspection is complete and all documents (Form 5, Estimate, Insured’s MV104, and Police Report) are received, your claim will be reviewed by an examiner and a decision will be mailed to you within 10 business days.

Forms

I reported my accident to ATIC and obtained a claim number, when can I get my vehicle inspected?
A. For vehicle inspections prior to repair, please contact ATIC Physical Damage at 212-857-8200 extension 309 to schedule an inspection appointment.

• If the vehicle has already been repaired, please mail proof of the repairs including proof of payment to:
American Transit Insurance Company 5 Broadway, Freeport New York 11520

What if my vehicle repairs cost more than the estimate?
A. Your body shop will need to work directly with ATIC’s in-house appraisers to address any additional loss-related damages.

How do I rent a car while my vehicle is being repaired?
A. . Obtaining a rental car is your responsibility, ATIC does not accept direct billing. We will reimburse you $28.00 per day based on the repair time indicated on our estimate.

My vehicle has been in storage since the accident; is there a maximum to the amount payable for storage?
A. If you must store your vehicle we will reimburse you $15.00 per day, not to exceed 30 days.

• If your vehicle is a total loss, not repairable, please contact us immediately, as storage will not be honored after you are informed your vehicle is a total loss.

• Please note, payment of storage fees are contingent on the percentage of negligence that is determined by the adjuster handling the claim.

The damages to my vehicle constitute a total loss, what steps should be taken?
A. Take six photographs of your vehicle at a reasonable distance showing front, rear, left side, right side, vehicle identification number (VIN) and odometer so that we can evaluate your vehicle.

• Do not authorize anyone to store your vehicle with the intention that ATIC will cover storage fees.

• If storage fees are approved, they will be paid for at the time of settlement.

When will I receive my settlement check?
A. If you received an offer and returned the release to ATIC, third party property damage claim payments will be issued within 5 business days of receipt of the signed and notarized release form.

I have a claim number and need the status of my property damage claim?
A.Please call 1-800-683-ATIC (2842) extension 309.

What benefits are available under the no-fault portion of the insurance policy?
A. The policy provides coverage for medical expenses, work loss, death benefits and other covered expenses.

What is a covered medical expense?
A. A covered medical expense is necessary medical, hospital, surgical, nursing, dental, ambulance, x-ray, prescription drug, prosthetic services, psychiatric, physical and occupational therapy and rehabilitation, remedial care, and treatment rendered in accordance with a method of healing recognized by the laws of New York and any other professional health services.

Is there a maximum amount recoverable as a work loss?
A. Yes, the maximum is $2,000.00.

How quickly must I submit my claim after no-fault services are provided?
A. Claims must be submitted within 45 days of service.

I received a notice from ATIC requesting additional information on my no-fault claim, must I comply?
A. Yes, you must comply within 30 days of the request.

I received notice from ATIC requesting that I attend an Examination Under Oath (EUO), am I required to attend?
A. Yes, upon request by ATIC, the claimant or their assignee or representative shall submit to EUOs by any persons named by ATIC.

I need status on my no-fault claim.
A. Please call 1-800-683-ATIC (2842) extension 455.

I am a provider and need status on my medical bill payment.
A. Please call 1-800-683-ATIC (2842) extension 354.

I have a claim number and need status on my bodily injury claim.
A. Please call 1-800-683-ATIC (2842) extension 525.

I reported a claim and need a claim number?
A. Please call 1-800-683-ATIC (2842) extension 455.

Is there a time limit to transact my claim check from ATIC?
A. Yes, you have 180 days from the date of issuance to transact the claim check.

Claims – BI/PD

Is there a time limit to transact my claim check from American Transit?
Yes, you have 180 days from the date of issuance to transact the claim check.

How long will my claim take to process?
Every claim is unique, our experienced claim professionals will do their best to get your claim resolved efficiently

How do I rent a car while my vehicle is being repaired?
Obtaining the rental is your responsibility, American Transit does not accept direct billing. We will reimburse you $28.00 per day based on the repair time indicated on OUR estimate.

What if my vehicle repairs cost more than the estimate?
Your body shop will need to work directly with American Transit’s in-house appraiser to address any additional loss-related damages.

I reported the accident and have a claim number, now what?
Complete a Form 5 claim form. We will schedule an appointment for an inspection, once the claim inspection is complete and all documents (Form 5, Estimate, Insured’s MV104, and Police Report) are received, your claim will be reviewed by an Examiner and decision will be mailed to you in within 10 business days.

When will I get my settlement check?
If you receive an offer and release form from American Transit , payment will be issued 5 business days from receipt of the signed notarized release form.

Claims – N/F

Is there a time limit to transact my claim check from American Transit?
Yes, you have 180 days from the date of issuance to transact the claim check.

What benefits are available under the No-Fault portion of the insurance policy?
The policy provides coverage for medical expenses, work loss, death benefits and other covered expenses.

What is a covered medical expense?
A covered medical expense are necessary medical, hospital, surgical, nursing, dental, ambulance, x-ray, prescription drug, prosthetic services, psychiatric, physical and occupational therapy and rehabilitation, remedial care and treatment rendered in accordance with a religious method of healing recognized by the laws of New York and any other professional health services.

Is there a maximum to the amount recoverable as a work loss?
Yes, The maximum is $2,000.00 per month for 36 months.

How quickly must I submit my claim after No-Fault services are provided?
Claims must be submitted within 45 days of service.

I received a notice from American Transit requesting additional information on my claim, must I comply?
Yes, you have 30 days to submit the requested information./su_spoiler]

I received a request from American Transit Insurance that I attend an Independent Medical Examination (IME), am I required to attend?
Yes, You are required to submit to medical examination by physicians selected by or acceptable to American Transit.

I received notice from American Transit requesting that I attend an Examination Under Oath (EUO), am I required to attend?
Yes, Upon request by American Transit, the eligible person or that person’s assignee or representative shall submit to examinations under oath by any persons named by American Transit Insurance Company.

Customer Service

How do I report an accident or file a claim with American Transit Insurance Company?
The best way is to call 800-683-ATIC (2842) extension 455. Please have the following information to expedite this process: Insured name, driver, policy number. Please be prepared to mail (1 Metrotech Center North, Brooklyn, NY 11201), email (firstreports@american-transit.com) or fax (212-857-8254) any accident reports and/or photographs to ATIC.

Investigations/Fraud

Who should I contact if I want to report or suspect insurance fraud?
A. Please contact Edward Kurathowski, Director of Investigations, at 1-212-857-8200 extension 768 or via email at: Ekurathowski@american-transit.com

Business Development

How do I become an approved ATIC broker?
For more information on becoming an ATIC approved broker please contact the Business Development Group at: businessdevelopmentgroup@american-transit.com

How do I request system and underwriting training for ATIC's products?
A. The Business Development Group offers extensive training and support services to brokers as needed. For more information please contact us at: businessdevelopmentgroup@american-transit.com

Does American Transit Insurance Company offer Garage and Dealership insurance policies?
A. Yes, for more information please contact your authorized American Transit broker.

Cash and Collections

What forms of payment will ATIC accept?
A. Payments are generally made through the approved broker, check and ACH debit are acceptable forms of payment. Cash is NEVER accepted at any ATIC office.

Can I send in partial payment to satisfy a cancellation notice?
A. The notice of cancellation must be paid in full to avoid the cancellation of the policy.

Is there a grace period after the due date listed on my bill?
A. No, once a payment is late the process of cancellation for non-payment will begin.

Careers

Are there available employment opportunities at ATIC and if so, how do I apply?
A. Currently we do not post job openings online, but we do accept resumes and cover letters at: careers@american-transit.com

Contact Us

What is the best way to contact ATIC?
A. There are a number of different ways to contact ATIC;

Phone – 212-857-8200 or 800-683-ATIC
Mail – 1 Metrotech Center North, 7th Floor, Brooklyn, NY 11201
Website – please see the “Contact Us” page for email listings by department