Claims & Loss Notices
Edition 2008/10 · PDF format
Used to report auto insurance claims. Includes vehicle information, accident details, driver and witness information, injury descriptions, and police report details.
ACORD 2 (Automobile Loss Notice) is the standard form for reporting an auto accident or auto claim to a carrier. It captures vehicle information, driver, accident details, injuries, witnesses, and police report data.
Brokers and insureds submit ACORD 2 to open the claim file. The carrier then assigns an adjuster, secures statements, inspects vehicles, and proceeds with claim handling.
Anyone reporting an auto loss (fender bender, major collision, theft, vandalism) to their insurance carrier.
Report immediately after an accident or theft. State law and policy provisions typically require prompt notice, generally within days.
The information the form captures, in the order it typically appears:
Recurring errors that delay processing or expose brokers to E&O claims:
Always file a police report for accidents involving injury or significant damage. The report is critical to the claim investigation.
Stick to facts. Don't characterize fault on the form. Let the adjusters and (if needed) attorneys determine liability.
Note all injuries on the form, including those of all parties. Carriers handle bodily injury claims with extra care and may bring in outside counsel quickly.
Yes. Note the theft date, location, and police report number. The carrier's special investigation unit often handles auto thefts.
ACORD 127
Application section for commercial auto insurance. Gathers vehicle schedules, driver information, radius of operations, and cargo details for business automobile coverage.
ACORD 1
Standard form for reporting property damage claims to insurance carriers. Captures loss date, cause, description of damage, estimated amounts, and police/fire department information.
ACORD 3
Reports liability claims and incidents. Captures occurrence details, injured party information, nature of injuries, property damage, and circumstances leading to the claim.