The main phone number for First Acceptance Insurance

First Acceptance Insurance operates a customer service line at 1-800-252-4633. This number connects you to representatives who handle policy questions, billing inquiries, claims reporting, and general account information. The line is available during standard business hours, typically Monday through Friday, 8 a.m. to 6 p.m. Central Time, though hours may vary by department.

When you call, have your policy number ready. If you don't have it, you can provide your driver's license number or the phone number associated with your account. This speeds up the process of locating your information in their system.

First Acceptance also maintains a separate claims reporting line for urgent situations. If you've been in an accident or need to report damage, ask the initial representative to transfer you to the claims department, or ask specifically for the after-hours claims line if you're calling outside business hours.

Key Takeaways

  • Call 1-800-252-4633 during business hours (typically Monday–Friday, 8 a.m. to 6 p.m. Central Time) for policy and billing questions.
  • Have your policy number or driver's license number ready before calling to speed up account lookup.
  • First Acceptance maintains a separate line for claims reporting; ask to be transferred if you need to report an accident or damage.
  • If you're calling after hours, the automated system can direct you to the after-hours claims line or provide options for leaving a message.

What to expect when you call

When you dial the main number, an automated system will greet you and ask you to select from a menu of options. You'll typically see choices like "Press 1 for billing," "Press 2 for policy information," or "Press 3 for claims." Selecting the correct option routes you to the right department and reduces wait time.

Wait times vary depending on call volume and the time of day. Calling early in the morning or mid-week generally means shorter waits than calling on Monday morning or late Friday afternoon. If you reach a representative, they can answer questions about your coverage, help you make changes to your policy, discuss payment options, or begin the claims process.

Reporting a claim by phone

If you've had an accident or need to report damage to your vehicle, you can start the claims process over the phone. Have the following information ready: the date and time of the incident, the location, a description of what happened, the other driver's information (if applicable), and photos of the damage if you've taken them.

The claims representative will create a claim file and assign you a claim number. They'll explain what happens next—typically an adjuster will contact you to schedule an inspection or discuss repair options. Keep your claim number in a safe place; you'll need it for all future communication about this claim.

Billing and payment questions

If you call about your bill, the representative can tell you your current balance, explain charges, discuss payment plans, or process a payment over the phone. First Acceptance accepts payments by debit card, credit card, or bank account transfer. If you're having trouble paying your premium, ask about payment arrangements or whether you're may be able to access for any discounts you may have missed.

You can also set up automatic payments during a call, which ensures your premium is paid on time each month and reduces the risk of a lapse in coverage.

Policy changes and coverage questions

Call the main line if you need to add a driver to your policy, change your coverage limits, update your address, or ask about what your current policy covers. Representatives can walk you through the options and explain how changes affect your premium. Some changes take effect when ready; others may have a waiting period.

If you're unsure whether your policy covers a specific situation—such as rideshare driving, rental car reimbursement, or coverage for a household member—the representative can review your policy details with you over the phone and clarify what is and isn't included.

Alternative ways to reach First Acceptance

Beyond the phone line, First Acceptance offers other contact methods. Many customers use the company's website to log into their account, view their policy, make payments, or submit a claim online. The website also has a live chat feature during business hours, which can be faster than calling if you have a quick question.

For non-urgent matters, you can also send a message through your online account or email the company. Response times for email vary, so phone or chat is better if you need an answer the same day.

What to do if you can't reach anyone

If the line is busy or you're calling outside business hours, the automated system will offer you options. You can leave a voicemail with your name, policy number, and a brief description of why you're calling. A representative will return your call during the next business day, usually within 24 hours.

For urgent claims (accidents, theft, or emergency repairs), the automated system will direct you to the after-hours claims line. This line is staffed around the clock so you can report a claim even if you call at midnight or on a holiday.

Frequently Asked Questions

Is there a fee to call First Acceptance's customer service line?

No. Calling 1-800-252-4633 is toll-free. You won't be charged for the call itself, though your phone plan may explore standard rates if you're calling from a mobile phone on a limited plan.

Can I report a claim after hours?

Yes. The automated system will direct you to the after-hours claims line when you call outside business hours. A claims representative is available 24/7 to take your report and begin the claims process.

What if I don't have my policy number?

You can provide your driver's license number or the phone number associated with your account instead. The representative will use this information to locate your policy in the system.

How long does it take to speak to a representative?

Wait times vary based on call volume and time of day. Early morning and mid-week calls typically have shorter waits. If the line is busy, you can leave a voicemail and a representative will return your call within 24 hours.

Can I make a payment over the phone?

Yes. When you call, a representative can process a payment using your debit card, credit card, or bank account information. You can also set up automatic monthly payments during the call.