Filing Claims Against Safe Auto Insurance Company

Safe Auto Insurance Company was founded in Columbus, Ohio in 1993 and has grown to sell auto insurance across numerous states, including Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.  They are a privately-owned company doing over $300,000,000 in revenue. Thus, safe auto insurance claims are not uncommon.

Safe Auto Insurance Policies

Safe Auto Insurance provides both standard and nonstandard insurance policies, but they specialize in marketing to the nonstandard insurance market. This means that many of their drivers cannot obtain insurance through the bigger standard carriers due to issues like bad driving history, bad credit, high-risk drivers, and/or vehicles or age.  It also means that many of the Safe Auto Insurance customers are carrying insurance policies that merely meet the low minimum requirements of the state in which the driver lives. In Texas, that means they carry liability only with coverage of $30,000.00 per person they hurt up to a total of $60,000.00 per accident and $25,000.00 for property damage. While Safe Auto does issue some bigger policies, the minimum limits policies are more common.

Safe Auto Insurance Claims

Before filing Safe Auto Claim, beware that nonstandard insurers are not always the easiest to deal with when filing claims.  In Texas, they do not have to tell you how much insurnace coverage they have. If they have a bigger policy, they do not have to tell you this unless you file a lawsuit and force them to under oath. This can make it difficult to determine whether any car accident settlement offer they make pre-suit is reasonable or not.

What Do I Need to File A Safe Auto Claim?

Medical Claim DeniedHopefully, you called the police and had a police report made. You should always do this immediately after an accident to prevent the other driver from changing his story. If so, you should have the police report number to provide.  Additionally, you will need complete documentation of your losses and injuries. Your medical bills and records from each of your providers as well as documentation proving the amount of any lost wages that you are claiming. A notarized letter from your employer or human resources department detailing your days off and a pay stub documenting your earnings will probably suffice unless your lost wage claim is difficult to calculate due to a commission-based compensation structure.

Do Not Give a Recorded Statement

You should never give a recorded statement to an insurance company without your own lawyer present. Insurance companies are notorious for training their adjusters to trick you into saying inaccurate things that hurt your case. If a Safe Auto claim adjuster insists upon a recorded statement, it could be because their client is lying about how the accident happened and/or they plan to dispute liability. Either way, when they insist on a recorded statement, this should trigger you to  think, “No, I need to talk to an auto accident attorney near me before I make any mistakes I cannot fix.”

Get a Free Consultation

Simmons and Fletcher, P.C. have been handling car accidents since 1979. We offer a free consultation and if you trust us with your case, we charge no fees unless we win your case. Don’t let an adjuster give you the run-around after a car accident, call us at (713) 932-0777.



If you have a personal injury case and would like to know whether it is something that our law firm can help you with, please fill out the form to the right and submit your information or pick up the phone and call us between 8:30 AM and 4:00 PM on Monday through Thursday and 8:30 AM  and 5:00 PM on Friday and out intake team can go help evaluate your case and determine who the best person is for you to talk to about your case. Consultations are 100% free and you have no obligation to hire us.


Simmons and Fletcher, P.C., rooted in Christian values, exclusively handles personal injury cases, advocating for the rights of accident and negligence victims. Our Houston-based team, dedicated to compassion and excellence, handles cases across car accidents, motorcycle accidents, truck accidents, slip and falls, dog bites, and other types of cases with a commitment to personalized care. Upholding integrity and client-focused service, we strive for impactful legal outcomes. For a detailed understanding of our approach and team, visit our attorneys page.

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