Getting the benefits that you pay for shouldn’t cost you extra time or money.

With traditional insurance, going through the claims process can cause major wallet-aches and almost always ends up with you paying extra for something. That’s why we’ve taken a totally different approach at Optiom. When you purchase insurance coverage with us, it’s there for when you need to use it. For example, coverage is available to reimburse the deductible from your primary policy, up to $500 in the event of a loss.

Your coverage will vary depending on your policy benefits. Please provide the information below to report a loss and get the process started!

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Personal Information


Incident Information

The Optiom benefit request process

When you experience damage to your vehicle or an accident and have an eligible benefit available on your Optiom policy, simply complete and submit the required documentation and let Optiom take care of the rest!