Insurance Customer Service for Claims and Payments

Two direct paths for American US Insurance clients: report a claim straight to your carrier or pay your premium online. Every link goes to the carrier's official site.

Get A Free Quote → Call (800) 868-9170

A customer service representative with a headset helps a client at a bright office desk, with car, home, ID card and document icons above them.

Who do I call for insurance customer service?

Call your insurance company for claims and billing, because carriers run those systems, often around the clock. Call your agent for coverage questions, policy changes and help when something goes wrong. American US Insurance clients reach a licensed agent at (800) 868-9170 during office hours or start with the claim and payment directories on this page.

File an Insurance Claim Claim phone numbers and online forms for 40+ auto, home, business and health carriers, plus Florida claim deadlines. Report a claim → Make an Insurance Payment Official pay-online links and billing numbers by carrier, plus what to do if a payment is late. Make a payment →

When to Call Your Agent or Your Insurance Company

Your insurance company and your agent each handle part of your service. Carriers run claims and billing. Your agent explains coverage, updates your policy and shops it when the price climbs.

What you need	Your insurance company	Your agent
Report a claim	Opens the claim and assigns an adjuster	Explains your coverage and follows up
Pay your bill	Takes payments online and by phone	Explains billing and installment options
Coverage questions	Answers through its service line	Reviews your limits and deductibles with you
Renewal price increase	Sends the renewal offer	Compares 150+ A-rated carriers for you

Office Hours and Ways to Reach a Licensed Agent

Phone: (800) 868-9170
Email: service@amerinsured.com
Office: 12150 SW 128th Ct, Suite 202, Miami, FL 33186
Hours: Monday to Friday 9 a.m. to 6 p.m., Saturday 10 a.m. to 3 p.m.

Directions and a map are on our contact page.

How does American US Insurance help after you buy a policy?

We stay your agent. When you need to report a claim, pay a bill or change a policy, a licensed agent at our Kendall office points you to the right channel, explains your coverage and follows up with the carrier. At renewal we compare 150+ A-rated carriers again, so your price and coverage keep up with the market.

Shopping for New Coverage? Get a Free Quote

Renewal went up or your needs changed? We price the same coverage with 150+ A-rated carriers. Free quote, no obligation.

First name Last name

Phone Email address

What do you need to insure?

Tell us more — vehicles, property, drivers, current coverage…

By checking this box, I agree to receive automated text messages from American US Insurance regarding insurance quotes, policy updates, and customer service at the phone number provided. I understand that consent is not a condition to purchase any goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to cancel and HELP for help. View our Terms of Service and SMS Privacy Policy.

Common Questions

Insurance Customer Service Questions

Where do I find my insurance company's customer service number?

Look on your insurance ID card, the first page of your policy (the declarations page) or your carrier's mobile app. Our claim directory and payment directory list the official claims and billing numbers for 40+ carriers.

Who handles auto insurance customer service, my agent or my carrier?

Both, for different jobs. Your auto carrier handles claims, roadside help, billing and ID cards through its own phone lines and app. Your agent handles coverage questions, adding a driver or vehicle and shopping your policy at renewal. If you are not sure who to call, start with your agent.

How do I find out which company insures my home?

Check your declarations page or your renewal notice, which name the insurance company at the top. If you have a mortgage, your escrow statement lists the insurer your lender pays. You can also call the agency that sold the policy; American US Insurance clients can call us for the carrier name and policy number.

What is an insurance declarations page used for?

The declarations page is the summary at the front of your policy. It lists the insurance company, policy number, policy period, covered vehicles or property, coverage limits, deductibles and premium. Lenders and landlords accept it as proof of what you carry, and it is the first document to have ready when you file a claim.

What is the difference between an insurance agency and a company?

The insurance company, or carrier, writes the policy, collects the premium and pays claims. The agency sells and services the policy on the carrier's behalf. An independent agency like ours works with many carriers, so one agent can compare companies, help with claims and move you to a better fit at renewal.

Do you have a local insurance office in Miami?

Yes. Our office is in Kendall at 12150 SW 128th Ct, Suite 202, Miami, FL 33186, open Monday through Saturday. Clients anywhere in Florida reach the same licensed team at (800) 868-9170.

Can American US Insurance help me reach my insurance company?

Yes. Call (800) 868-9170 during office hours and a licensed agent will look up your carrier, policy number and the right claims or billing line. After hours, use the directories linked on this page, which go straight to each carrier's official site.

Does American US Insurance charge for customer service?

No. Service on the policies we place is part of being your agent. There is no charge to call us about a claim, a bill or a coverage question, and quotes for new coverage are free too.

About Us Contact