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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Oct 13, 2021

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The Short of It

  • There are at least three leading auto insurance companies that use third party consultants during the claims process
  • Of the three car insurance companies that use third-party consultants, Travelers Insurance may be the most affordable
  • Most insurance companies will use claims representatives and adjusters to handle and investigate claims after a car accident

When looking for an auto insurance provider, you might not think about which auto insurance companies use third-party consultants. That can become a factor if someone makes a claim against you after an accident — or vice versa.

In either case, the person who makes a liability auto insurance claim is the third party. (The policyholder is the first party, and their insurer is the second party.)

Read on to know more about auto insurance companies the use third-party consultants and some that don’t. Also, if you would like to look at quotes from leading insurers in your area right now, enter your ZIP code into our free quote tool above.

Which auto insurance companies use third-party consultants during the claims process?

Of all the major auto insurance companies, only three use third-party insurance consultants during their claims processes: Farmers, Kemper, and Travelers.

  • A Farmers Insurance full coverage auto insurance policy costs $1,366.60 a year on average. (Learn more about Farmers auto insurance in our review.)
  • The average Kemper full coverage auto policy costs $2,930 a year.
  • The average full coverage Travelers auto policy rate is $1,251 per year.

Now, who is on each company’s claims team?

Farmers Insurance hires guaranteed repair consultants who communicate with policyholders, claim owners, repair shops, and other claims staff.

Kemper’s claims team includes representatives and adjusters, including first-party and third-party claims adjusters. The team also has field appraisers.

Travelers Insurance has a Direct Repair Program consultant position. This person is partially responsible for helping to carry out the claims strategy. There is also the auto liability technical specialist, who may serve as a consultant.

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Which auto insurance companies do not use third-party consultants during the claims process?

Far more major auto insurers use other professionals to process third-party insurance claims:

Auto Insurance Companies That Use Third Party Consultants and Those That Don’t
CompanyCompany’s Third-Party Claims Team
AAAService representatives
AllstateClaims adjusters, investigators, customer service professionals, and analysts.
American FamilyClaims representatives, managers, and adjusters
Amica MutualClaims representatives and adjusters
Auto-Owners InsuranceClaims representatives, field representatives, field investigators, and subrogation claim examiners
DairylandClaims representatives and adjusters
ErieMaterial damage adjusters, liability specialists, and claims support specialists
EsuranceClaims representatives and appraisers
GEICOLiability claims examiners
Liberty MutualRepresentatives, adjusters, and appraisers
Mercury InsuranceClaims specialists, examiners, litigation specialists, a specialist investigator, and a theft/fire specialist
NationwideClaims associates
New Jersey ManufacturersClaims representatives
Plymouth RockClaims representatives
ProgressiveCentralized auto claims representatives, field auto claims adjusters, and special investigators
Shelter InsuranceClaims adjusters
State FarmClaims associates and appraisers
Tennessee FarmersAgents, claims associates (in Columbia and Waynesboro), and claims adjusters
The HanoverClaims adjusters
The HartfordRepresentatives and adjusters
USAAClaims representatives and adjusters
WawanesaClaims representatives and investigators
West BendClaims representatives, specialists, and auto claims appraisers.
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A few notes:

  • GEICO has liability claims examiners who are primarily responsible for investigating claims after car accidents. (Learn more about GEICO car insurance in our review.)
  • Nationwide assigns a claims associate to you whenever you submit a claim. This associate will likely specialize in auto insurance claims.
  • Plymouth Rock uses personal representatives to help policyholders process claims.

If you get into an accident and have Plymouth Rock insurance, you have the option of using CarPicsSM Photo Appraisals or using the Crashbusters Mobile Claim Service.

If you choose the latter, a representative will meet you and appraise the damage to your car or the other driver’s car.

Auto Insurance Companies That Use Third-Party Consultants: The Trend

In most cases, third-party car insurance companies use insurance agents or claims representatives to handle claims while bringing in claims adjusters to investigate claims. Third-party consultants are rarely on the team. When they are, they can share duties with the other claims staff.

We hope you have learned more about auto insurance companies that use third-party consultants and the auto claims process. In the meantime, if you would like to see rates from top auto insurers in your area, enter your ZIP code into our free quote tool below.

Frequently Asked Questions: Auto Insurance Companies That Use Third-Party Consultants

Here are some answers to a couple of questions you may have about dealing with a third-party insurance claim:

#1 – What is a third-party auto insurance consultant?

A third-party auto insurance consultant is a trained professional who works to find the best solution for a policyholder. Initially, this person might suggest policies and coverages that are appropriate for your situation.

For example, this person might suggest business insurance for independent consultants in other industries. (This will include auto insurance). The consultant might also point people with a lot of assets toward the best umbrella insurance companies.

A few auto insurance providers have third-party consultants on their claims teams. These consultants will work with claimants and provide estimates for car repairs, among other duties.

#2 – What should you do after getting into an auto accident?

If you should get into a car accident with another driver, the first thing you should do is move your car off the road, if possible. Next, contact your agent or insurance claims professional.

After contacting a claims professional, get the insurance information from the other driver. Finally, review your auto insurance policy and start gathering any information you need to settle a claim.

The Insurance Information Institute offers similar advice. However, some car insurance companies will also advise that you call the police and remain calm.

In any event, you need to become familiar with your auto insurance company’s claims process beforehand to know what to expect and what your rights are in the situation.