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Commercial Fleet & Auto Claim Advocacy
Insurers are trained to minimize payouts on commercial vehicle accidents. We are trained to maximize them.
Whether you manage a delivery fleet, a trucking line, or a corporate car pool, a single accident can cost you thousands in unrecovered “Total Loss” value and increased premiums.
Vault Insurance INT bridges the gap. We don’t just file the claim; we enforce the policy. From overturning “At Fault” determinations to recovering the Diminished Value of your repaired vehicles, we ensure your business doesn’t absorb the cost of an accident.
Total Loss Negotiation
Insurers use "Market Value" databases that undervalue your commercial vehicles by 20%. We use independent appraisals to demand the real replacement cost.
Diminished Value Claims
Even after a repair, your truck is worth less. We file specific claims to recover that lost resale value: money most companies and individuals forget to ask for.
Liability Defense
If your driver is wrongly accused of causing an accident, our forensic reconstruction team gathers the evidence to prove innocence and protect your premiums.
The "Hidden" Entitlements We Recover For You:
Standard brokers sell you the policy. We make sure the policy actually pays out when you need it.
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Have a denied claim or a recent accident? Enter the details below for a forensic review of your payout offer.
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Call: (201) 674-8344
Yes, but time is a factor. If you signed a release recently, we may still be able to reopen the claim if we can prove "Bad Faith" or valuation errors by the insurer.
Our primary focus is Commercial Fleets and Business Auto policies, but we accept High-Value Personal Auto cases (vehicles worth $100k+) on a case-by-case basis.
If your $50,000 truck is wrecked and repaired, it might only be worth $40,000 now. The insurer owes you that $10,000 difference. We fight to get it.
Often, yes. We audit your "Loss Run" reports. If an accident was incorrectly flagged as "At Fault" in the database, we force a correction and a premium refund.
Yes. Sometimes an insurer will "total" a repairable vehicle just because it's cheaper for them to write it off than to fix it. If you want to keep the truck, we negotiate a settlement that allows you to retain the salvage and repair the vehicle without a "Salvage Title" stigma, if state laws permit.
Your broker sells policies; they don't audit claims. Furthermore, brokers often have relationships with carriers they need to protect. We are independent advocates. We don't care about the carrier's feelings; we only care about maximizing the check that goes into your bank account.
This is a common fight. Insurers often try to pay for a "standard transportation" vehicle (like a sedan), which is useless for your business. We fight for "Like-Kind and Quality" Loss of Use coverage, forcing them to pay for a commercial rental vehicle that allows your business to keep operating.
Not necessarily. Depending on your state's Statute of Limitations, you can often reopen a claim if we can prove the insurer used "Bad Faith" valuation methods or ignored key vehicle upgrades in their appraisal. Send us the file; if we can't reopen it, you pay nothing.
This is a "GAP" dispute. If you have GAP insurance, we ensure it kicks in. If you don't, we fight to increase the "Actual Cash Value" (ACV) offer from the primary insurer to cover as much of the loan balance as possible, minimizing your out-of-pocket debt.
Yes. We have a forensic data team that analyzes GPS, speed, and braking logs from your telematics systems (Verizon Connect, Geotab, etc.). We package this raw data into legal-grade evidence to prove your driver was not at fault, saving your fleet from a premium hike.
Still have you any problem for solutions?
For any inquiries relating to our Retail and Leadership
Programs or Coaching and Mentoring services feel free to speak to us by calling us during business hours.
Head office address:
525 S Mill Ave, Tempe,
AZ 85281
Call for help:
(201) 674-8344
Mail for information:
support@vaultinsuranceint.com