Skip to main content
Church exterior — vehicle accident claim guide for Georgia ministries

Church Vehicle Accident: What to Do

Claims Guide

Matthew Campbell
↓ Download this guide (PDF)

If a church vehicle is in an accident, make sure everyone is safe and call 911 if anyone is hurt. Then document the scene and call MinistrySure at (770) 716-0180 — we report it to your carrier and handle the claim with you.

What to do right now

  • Check on everyone. Get medical help for anyone injured; call 911 if it’s serious.
  • Don’t admit fault. Stick to the facts; don’t promise to pay for anything.
  • Exchange information with the other driver: name, phone, license plate, and their insurance company.
  • Take photos — both vehicles, the damage, the scene, and the road conditions.
  • Get the police report number. Call the police to the scene when you can.
  • Note any witnesses and their contact information.
  • Appoint one point of contact for the claim so your carrier, the repair shop, and the other driver’s insurer all run through one person at your church. One voice in, one voice out keeps a claim from getting crossed up.
  • Write down everyone you talk to — name, company, role, and date. A vehicle claim passes through your adjuster, a body shop, and sometimes another driver’s insurer; a simple log is how you keep it from stalling.
  • Call us and report what happened.

What to expect

Your carrier assigns an adjuster to handle the claim. If another driver is involved, the insurance companies coordinate on fault and damages. Repairs and any medical costs are handled according to your coverage. Your account manager stays with you through it and calls the carrier on your behalf if anything stalls.

Your part

Gather the other driver’s and insurer’s information, the police report number, and photos — and keep any repair or medical records. The more you can hand us up front, the faster the claim moves.

How MinistrySure helps

You call us first. We report the vehicle claim to your carrier, answer coverage questions (who’s covered driving the van, hired and non-owned auto), and stay with you until it’s resolved.

Claims questions answered

What if a volunteer was driving the church van?

The church can still be on the hook — if a volunteer drives for church business and there's an accident, your ministry can be named. Report it the same way. Coverage usually runs through your commercial auto and hired/non-owned auto coverage; call us and we'll confirm what applies.

Do we need a police report?

Yes, whenever possible. Call the police to the scene, get the report or case number, and share it with us. It supports the claim and documents what happened while it's fresh.

Someone was injured in the accident — what do we do?

Make sure they get medical care first, and call 911 if it's serious. Gather names and contact information for everyone involved and any witnesses, but don't admit fault or promise to cover anyone's expenses. Report it to us right away.

To start a claim, use our online form or call (770) 716-0180. We report it to your carrier and stay with you through it.

This guide is general information, not coverage advice. Coverage determinations are made by your insurance carrier based on your policy. MinistrySure Insurance is your agency and advocate — we help you report the claim and stay with you through the process; we do not adjust or pay claims.

MinistrySure is an independent insurance agency in Loganville, Georgia specializing exclusively in churches, Christian schools, colleges, and faith-based ministries. Led by brothers Michael and Matthew Campbell — with 30 years of combined experience in church insurance — MinistrySure serves 700+ Georgia ministries as a preferred Brotherhood Mutual agency.