What Happens First After an Accident?
Immediately after an incident, call the police and secure the scene. TD requires a police report for most claims, so note the report number. Gather evidence: take photos of damage, skid marks, and surrounding traffic signs. Exchange information with the other driver—name, address, insurance details, and vehicle description. If the other party is uninsured, TD's uninsured motorist coverage may apply. Promptly submit this information to the claims department via the TD mobile app or website.
More from this site
Keep reading the latest coverage
Submitting Your Claim to TD
Log in to the TD claims portal and select "Auto Claims." Follow the guided questionnaire, entering accident details, vehicle identification numbers, and damage estimates. Upload photos and any supporting documents. If you have a TD Credit Card, the claim can be linked to the card to streamline payments. TD will assign a claims adjuster within 24–48 hours. Expect an email confirmation with a unique claim number.
Role of the Claims Adjuster
The adjuster will review your submission, request additional evidence if needed, and schedule an inspection. TD offers a mobile inspection option: the adjuster may send a link for you to upload detailed photos, saving a trip to a repair shop. If an in‑person inspection is required, the adjuster will arrange a convenient time. During this period, you can track claim status in the portal.
Repair and Settlement Process
Once the adjuster approves the claim, TD will issue a repair estimate. You may choose a TD‑approved repair shop or submit a shop of your choice for pre‑approval. The repair shop will provide a bill; TD pays the shop directly if the repair is covered. If you receive a settlement check, TD will issue it within 7–10 business days after the claim is closed. For deductible‑only claims, TD may reimburse the deductible amount to your TD Credit Card.
Tips to Expedite Your Claim
- Submit all documentation immediately—late files can delay settlement.
- Keep receipts for temporary repairs or towing, as TD may reimburse these costs.
- Maintain a record of all communication with TD and the repair shop.
- Use the TD app to upload photos; high‑resolution images improve accuracy.
Common Pitfalls and How to Avoid Them
Missing the police report or failing to provide accurate vehicle details can stall the claim. Disputing the adjuster's estimate without evidence may result in a denial. If you disagree with the settlement, request a detailed explanation and, if necessary, a second opinion from an independent adjuster. Staying organized and responsive ensures a smoother experience.