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This guide covers car and truck crash injury claims under the car insurance sold to Costco members, underwritten by American Family Connect companies or Midvale; Costco itself pays no claims. The company on the policy handles the insurance claim, even when an older letter uses IDS, Ameriprise, or CONNECT. Use the injury ranges, contact information, and records below to review a claim against another driver or under your own coverage.
How much is a Costco auto insurance injury claim worth?
The national injury ranges for a Costco auto insurance claim go from $5,000 to $5,000,000+. The other driver's policy limit restricts the payment available from that policy. American Family Connect or Midvale handles the claim; Costco, the retailer, does not pay it.
The Costco program's claims page gives 1-800-872-5246 for reporting a claim, including when you are not the policyholder. The guest form needs the insured driver's last name and policy number.
Costco auto insurance claim facts
Last updated
- National injury ranges
- National injury ranges for Costco auto insurance claims are $5,000 to $5,000,000+.
- Report a claim
- The Costco program’s claims page gives 1-800-872-5246 for reporting claims.
- Who pays
- Costco pays no claims; American Family Connect companies or Midvale handle them.
- Auto complaint index
- American Family Connect P&C’s 2025 NAIC auto complaint index is 1.32; nationally, 1.00.
- California ranking
- California’s 2026 study ranks American Family Connect P&C 24 of 50.
- Guest form
- Costco program guest filing requires the insured driver’s last name and policy number.
Sources: the injury guides linked below; the program's claims page, retailer's insurance disclosure, and guest form; the National Association of Insurance Commissioners (NAIC) 2025 private passenger auto records and California's 2026 complaint study. Start a review with the free AI calculator with attorney review.
Which injury range fits a Costco auto insurance claim?
Injury type, treatment, and lasting symptoms determine which range to use. The table separates surgery from nonsurgical care and short-term whiplash from symptoms lasting at least six months.
| Injury and treatment | National injury range |
|---|---|
| Sprain or strain injury The sprain range is $5,000 to $15,000. A moderate strain ranges from $15,000 to $35,000. | $5,000 - $35,000 |
| Whiplash resolving in weeks or months | $7,500 - $35,000 |
| Whiplash persisting at least 6 months | $35,000 - $75,000 |
| Herniated disc without an operation | $30,000 - $100,000 |
| Herniated disc treated surgically, including spinal fusion | $100,000 - $350,000+ |
| Broken bone without an operation | $15,000 - $75,000 |
| Broken bone treated surgically | $100,000 - $350,000+ |
| Moderate traumatic brain injury | $100,000 - $500,000 |
| Severe traumatic brain injury | $500,000 - $5,000,000+ |
| Death caused by a vehicle crash | $500,000 - $3,000,000 |
Source: The injury guides linked in the table provide these national ranges, current as of November 10, 2026.
As of November 10, 2026, the Costco program's pages publish no settlement figures for individual injuries. Your own uninsured or underinsured motorist claim uses the same ranges, up to its coverage limit. Underinsured motorist coverage addresses a claim involving an at-fault driver whose insurance is insufficient.
Sources: Costco program, Report a claim (page data July 22, 2026); Costco program, Bodily injury insurance; Costco program, Uninsured motorist coverage
Who pays claims for Costco auto insurance?
American Family Connect companies or Midvale underwrite the Costco program's auto policies. The program's contact page states, "American Family Insurance is our brand name." The retailer's insurance page says Costco Wholesale, Costco Insurance Agency, Inc., and their subsidiaries neither underwrite insurance nor pay claims or guarantee the products and services. The program's site also says a third party operates it.
| Underwriting company | NAIC code | Role | NAIC: private passenger auto premium, 2025 |
|---|---|---|---|
| American Family Connect Property and Casualty Insurance Company | 29068 | Main Costco program underwriter | $1,520,692,793 |
| American Family Connect Insurance Company | 12504 | Costco program underwriter | $45,437,955 |
| Midvale Indemnity Company | 27138 | Costco program underwriter; the retailer’s footnote names it for Florida and Tennessee auto policies | $51,618,591 |
What IDS, Ameriprise, and CONNECT refer to
IDS Property Casualty Insurance Company is now American Family Connect Property and Casualty Insurance Company. Arizona's May 6, 2020 consent order gives both names and identifies Ameriprise Auto & Home Insurance as its trade name. Wisconsin's August 19, 2019 memo says IDS and Ameriprise Insurance Company both did business under that trade name and sold insurance through partnerships, the largest being Costco Wholesale Corporation. American Family's history page records the 2019 purchase and CONNECT branding; its welcome page now identifies the brand as American Family Insurance.
The Costco program's About page says it has policyholders in nearly all 50 states and insures over 1 million vehicles. The retailer's page says insurance products in New York are not obtained through Costco Insurance Agency, Inc.
Two names that lead to a different service or company
- The Costco Auto Program is operated by Affinity Auto Programs, Inc. Its car-buying phone number is 1-800-755-2519; it is not the insurer.
- Connect Insurance in Plano, Texas, is Connect MGA LLC, a different company from the former CONNECT insurance brand. Connect Insurance lists 1-888-664-7127 for customer service.
Sources: Costco program, Contact (page data September 4, 2026); Costco, Auto & Home Insurance; Costco program, Report a claim (page data July 22, 2026); NAIC Consumer Insurance Search; Arizona Department of Insurance, Consent Order No. 20A-010-INS (May 6, 2020); Wisconsin Office of the Commissioner of Insurance, memo of August 19, 2019; American Family, Our history; American Family, welcome page; Costco program, About (page data September 4, 2026); Costco Auto Program; Connect MGA LLC, About
How do you report and follow a Costco auto insurance claim?
Report a crash through the Costco program's guest filing link or call 1-800-872-5246. The program's accident page explicitly directs people who are not policyholders to those channels. The guest form asks for the insured driver's last name and policy number; use the phone line when you do not have them.
The program's accident page asks callers to have policy and vehicle information, the accident details, the police report if applicable, and the other party's name and insurance information available. Keep the crash report from the police with those records.
| Contact | Number or address | Purpose | Source |
|---|---|---|---|
| New claims | 1-800-872-5246 | Customers and people claiming against a program policy | Program claims page |
| Guest filing | American Family guest claim form | Requires the insured driver’s last name and policy number | Guest form |
| Existing claims | 1-888-404-5365 | 24/7; also the program’s sales and service line | Program contact page |
| Claim documents by email | [email protected] | Put the claim number in the subject line | Program contact page |
| Claims fax | 1-866-935-2858 | Existing claim documents | Program contact page |
| Claims mailing address | American Family Insurance Claims Services, Inc., 6000 American Parkway, Madison, WI 53783-0001 | Mailed claim documents | Program contact page |
| Jopari Solutions | 866-269-0554 | Electronic billing for medical providers, not an injured person’s claims line | Medical-provider billing |
| Costco Auto Program | 1-800-755-2519 | Car buying, not insurance claims | Car-buying service |
The program's FAQ describes contact from a claims representative within one business day after filing a car claim, followed by a review of the facts and a recorded statement if needed. Those are the program's descriptions of its process, not a promise to someone claiming against its customer. Read the recorded-statement guide before that conversation.
As of November 10, 2026, the research found no published payment time for a Costco program injury claim. A first contact is not the settlement payment. The injury settlement timeline guide explains the stages beyond reporting.
Sources: Costco program, What to do after a car accident (page data September 4, 2026); Costco program, Report a claim (page data July 22, 2026); Costco program, Contact (page data September 4, 2026); Costco program, Auto insurance claim FAQ (page data September 4, 2026); American Family, File a Claim as a Guest (screens read in a browser); American Family, Car insurance claims (Jopari line); Costco Auto Program
Is Costco auto insurance good at paying claims?
The NAIC's 2025 private passenger auto complaint index for American Family Connect Property and Casualty Insurance Company is 1.32, compared with the national index of 1.00. California's 2026 study places the company 24 of 50 large auto insurers, with a 2025 justified-complaint ratio of 3.0 per 100,000 earned exposures. The NAIC's all-lines 2025 complaint-code view lists unsatisfactory settlement or offer most frequently, with 49 entries.
California complaint figures by year
California's insurance department measures justified complaints for each 100,000 earned exposures. The following ratios all concern American Family Connect Property and Casualty Insurance Company. The department's 2026 study records 19 justified complaints for 2025 and 629,242 approximate exposures.
| Complaint year | California justified-complaint ratio |
|---|---|
| 2020 | 2.0 |
| 2021 | 2.9 |
| 2022 | 2.4 |
| 2023 | 2.1 |
| 2024 | 2.8 |
| 2025 | 3.0 |
California's studies ranked the company 16 of 50 in the 2023 study, 14 in 2024, 16 in 2025, and 24 in 2026. These are study years; the table uses complaint years.
National auto complaint indexes for the three underwriters
The NAIC's complaint index compares a company's complaint level with what its market share would lead you to expect. The national index is 1.00; an index of 2.00 is twice the expected level. The NAIC includes closed, confirmed complaints supplied by state insurance departments.
| Company | NAIC 2025 private passenger auto complaints | Complaint index |
|---|---|---|
| American Family Connect Property and Casualty Insurance Company | 96 | 1.32 |
| American Family Connect Insurance Company | 4 | 1.85 |
| Midvale Indemnity Company | 4 | 1.63 |
American Family Connect Insurance Company and Midvale have smaller premium totals; one or two complaints move their indexes.
Where complaints arose and what they concerned
The NAIC's 2025 state counts for American Family Connect Property and Casualty Insurance Company show 112 complaints across all policy types, including 72 from California. The separate complaint-code view has no auto filter, so the reasons below also cover all lines. A complaint can receive more than one code.
| Group | NAIC 2025 code | Entries in the all-lines view |
|---|---|---|
| Reason | Unsatisfactory Settlement/Offer | 49 |
| Reason | Delays | 27 |
| Reason | Denial of Claim | 11 |
| Coverage type | Auto Liability | 45 |
| Coverage type | Collision | 23 |
| Coverage type | Uninsured/underinsured motorist | 3 |
| Coverage type | Medical Payments | 2 |
Texas's insurance department recorded 5 confirmed automobile complaints, 20,869 policies, and an index of 1.45 for American Family Connect Property and Casualty Insurance Company in 2025. The Texas department’s 2024 figures were 4 complaints, 25,550 policies, and an index of 1.46. Texas uses 1.00 as the average index.
Sources: NAIC Consumer Insurance Search; NAIC Consumer Insurance Search, complaint codes for NAIC 29068, 2025; California Department of Insurance, 2026 study; California Department of Insurance, 2025 study; California Department of Insurance, 2024 study; California Department of Insurance, 2023 study; Texas Department of Insurance, complaint indexes and policy counts
What does Costco auto insurance say it covers?
The Costco program's coverage pages describe liability, medical payments, personal injury protection, and uninsured or underinsured motorist coverage. Each page also states, "This article does not afford, offer, or guarantee any coverage."
The program's bodily injury page says coverage "could help pay for damages if you injure someone in a car accident and are found at fault". The same page says, "It may also help pay for costs related to lawsuits, lost wages, funeral expenses and pain and suffering."
The medical expense page describes coverage for people named on the policy, a spouse, relatives living in the household, and anyone occupying a vehicle on the policy. A passenger can ask about the car's medical payments coverage when that coverage is part of the policy.
The personal injury protection (PIP) page says it "may be your go-to" when you, a spouse, household relatives, someone else named on the policy, an occupant of your vehicle, or a pedestrian is injured or dies in a car accident. The page says some states require this insurance. The uninsured and underinsured motorist page describes help with costs after a crash for which you are not at fault.
Sources: Costco program, Bodily injury insurance; Costco program, Medical expense insurance; Costco program, PIP insurance; Costco program, Uninsured motorist coverage
How much can a Costco auto insurance policy pay?
The program's bodily injury page says the policyholder chooses a maximum payment per person and per accident. That limit caps the amount from the coverage. Request the limit in writing when preparing a demand for settlement.
In California, the Court of Appeal's September 25, 2018 Jones decision applied one per-person limit to an injured man and his spouse under the insured drivers’ policy. Loss of consortium is a spouse's claim for the loss of companionship and the marital relationship caused by the injury. The case table gives the policy amounts and outcome.
The statute of limitations is the deadline to file a lawsuit. The table lists injury deadlines for claims against people and companies, alongside the least bodily injury coverage required for one person.
| State | Required bodily injury coverage, one person | Injury filing period |
|---|---|---|
| California | $30,000; policies or bonds issued or renewed on or after January 1, 2025 | 2 years |
| Texas | $30,000 | 2 years |
| Illinois | $25,000 | 2 years |
| Georgia | $25,000 | 2 years |
| Florida | Neither cited coverage statute requires bodily injury liability | 2 years for negligence claims arising after March 24, 2023 |
| Arizona | $25,000; policies issued or renewed beginning July 1, 2020 | 2 years |
| Washington | $25,000 | 3 years |
| Virginia | $50,000; policies effective on or after January 1, 2025 | 2 years |
| Nevada | $25,000 | 2 years |
| Oregon | $25,000 | 2 years |
State sources: California: minimum coverage, filing deadline; Texas: minimum coverage, filing deadline; Illinois: minimum coverage, filing deadline; Georgia: minimum coverage, filing deadline; Florida: minimum coverage, filing deadline; Arizona: minimum coverage, filing deadline; Washington: minimum coverage, filing deadline; Virginia: minimum coverage, filing deadline; Nevada: minimum coverage, filing deadline; Oregon: minimum coverage, filing deadline
Florida's cited statutes require $10,000 in property damage liability and personal injury protection security; neither imposes a bodily injury liability requirement. Florida's own-policy personal injury protection pays up to $10,000 in medical and disability benefits. The negligence deadline shown applies to claims arising after March 24, 2023.
The state lawsuit-deadline reference and shared-fault rules by state cover those separate questions.
Sources: Costco program, Bodily injury insurance; Jones v. IDS Property Casualty Insurance Co., 27 Cal.App.5th 625 (2018); Florida Statutes 324.022 (2026); Florida Statutes 627.733 (2026); Florida Statutes 627.736 (2026); Florida Statutes 95.11 (2026); Florida chapter 2023-15
What have regulators recorded about Costco auto insurance companies?
Arizona's insurance department found that American Family Connect Property and Casualty Insurance Company backdated cancellation dates on 149 auto policies ended for nonpayment, despite initially allowing the seven-day grace period. The company admitted the findings in the May 6, 2020 consent order, which imposed a $50,000 civil penalty. The audit covered January 1, 2017 through December 31, 2018; the order does not say whether a crash was affected.
As of November 10, 2026, the research found no California Department of Insurance enforcement action, accusation, or market conduct examination naming IDS Property Casualty Insurance Company or American Family Connect Property and Casualty Insurance Company.
Ask the insurer to explain a delay or denial in writing. If the claim stalls, use the correspondence when making a complaint to the state insurance department. The insurance-adjuster guide explains how to respond to a stalled claim and make a complaint.
Sources: Arizona Department of Insurance, Consent Order No. 20A-010-INS (May 6, 2020)
What have courts decided about the insurers behind Costco auto insurance?
California decisions address delayed uninsured and underinsured motorist claims, a spouse's claim within one policy limit, and coverage for an unlisted household relative. These records concern the named insurers. Only the Kaufman record identifies the Costco program; the other records do not establish that the policies were bought through it.
| State and court | Date | Claim and company | Court decision | Status and source |
|---|---|---|---|---|
California, Court of Appeal, Second Appellate District | September 28, 2016; unpublished | Federici’s own IDS Property Casualty Insurance Company policy had a $250,000 per-person underinsured motorist limit. The August 10, 2011 crash fractured two teeth. IDS offered $37,000 for one tooth, with nothing for implants; the claim then settled for $140,000. | A jury found unreasonable delay and awarded $35,000 in economic damages and $300,000 in noneconomic damages, totaling $335,000. The right to arbitrate did not remove the insurer’s obligation to try in good faith to settle within a reasonable time. | Judgment affirmed in 2016. Decision |
California, Court of Appeal, Second District | June 27, 2014; published | Maslo sought a $250,000 uninsured motorist limit from Ameriprise Auto & Home Insurance; the opinion identifies IDS Property Casualty Insurance Company as the proper defendant. The insurer demanded arbitration, and the arbitrator awarded $164,120.91. | The court rejected the argument that arbitration displaced the duties to investigate, evaluate, and process a claim fairly. | Returned to the trial court in 2014. As of November 10, 2026, the research found no later outcome. Decision |
California, Court of Appeal, Third Appellate District | September 25, 2018; published | The drivers in Jones had IDS Property Casualty Insurance Company limits of $250,000 per person and $500,000 per occurrence. A stipulated judgment awarded the injured man $1,350,000 and his wife $150,000 for loss of consortium. IDS paid $250,000. | The court held that this policy’s single $250,000 per-person limit applied to the injury claim and the spouse’s loss-of-consortium claim together. | |
California, U.S. Court of Appeals for the Ninth Circuit; U.S. District Court, Eastern District of California | Chow: July 14, 2020, unpublished; Wonn: March 2, 2023 | Chow involved IDS Property Casualty Insurance Company; Wonn involved American Family Connect Property and Casualty Insurance Company. An unlisted household relative was limited to the $30,000 statutory underinsured motorist minimum instead of the policy’s $250,000. Wonn’s medical bills exceeded $259,000; the at-fault driver’s limit was $15,000, and the company paid $15,000. | The requirement to list household relatives was enforceable above the $30,000 statutory minimum applied in Chow and Wonn. In California, check that every relative living in your home is listed on the policy. | Unpublished appeals decision in Chow; district-court ruling in Wonn. Decision; Wonn decision |
Washington, U.S. Court of Appeals for the Ninth Circuit | December 23, 2022; unpublished | Huebner’s claim named American Family Connect Property and Casualty Insurance Company, formerly IDS Property Casualty Insurance Company. The at-fault driver’s insurer had paid its $250,000 limit. | The court held that Connect could subtract that $250,000 payment when calculating the underinsured motorist claim. | |
Texas, Court of Appeals, Fifth District at Dallas | April 17, 2013 | Sederberg involved IDS Property Casualty Insurance Company and Ameriprise Insurance Company. The policyholder’s daughter died while riding as a passenger. | The court upheld an exclusion for using a vehicle without a reasonable belief that the person was entitled to use it. The estate received no underinsured motorist coverage, and IDS owed no liability payment for the driver. | |
Arizona, Court of Appeals, Division Two | September 9, 2015; published | Gambrell was injured while driving his employer’s milk truck. He received $15,000 from the other driver’s policy and $100,000 under his employer’s underinsured motorist coverage. IDS Property Casualty Insurance Company denied another $100,000 under his personal policy. | The personal policy’s underinsured motorist coverage did not extend to the work truck. | The court affirmed the ruling for IDS. Decision |
Georgia, Court of Appeals | August 13, 2014; published | King’s uninsured motorist claim against Ameriprise followed notice to the company years after the crash and failure to serve it in time. | The claim was lost because of the delay. The Georgia court required service on the uninsured motorist insurer within the deadline that applied to the at-fault driver. | |
Montana, U.S. District Court | November 17, 2023 | Kaufman named “COSTCO CONNECT POWER BY AMERICAN FAMILY INSURANCE CLAIMS” in an underinsured motorist claim after a May 19, 2021 crash. | The court kept the case in federal court. In the research for this page, Kaufman is the only court record naming the Costco program. | As of November 10, 2026, the research found no outcome. Decision |
An offset subtracts an earlier payment from the amount otherwise claimed. In Washington's Huebner case, that earlier payment came from the other driver's insurer. As of November 10, 2026, the research found no third-party failure-to-settle ruling involving an excess verdict against IDS, Ameriprise, American Family Connect, or Midvale in any state from 2010 through 2026. The records that directly address injury claim handling concern the companies' own customers. Each row describes one case.
Sources: Federici v. IDS Property Casualty Insurance Co., Cal. Ct. App. No. B262009, September 28, 2016; Maslo v. Ameriprise Auto & Home Insurance, 227 Cal.App.4th 626 (2014); Jones v. IDS Property Casualty Insurance Co., 27 Cal.App.5th 625 (2018); IDS Property Casualty Insurance Co. v. Chow, 9th Cir. No. 19-55837, July 14, 2020; Wonn v. American Family Connect Property and Casualty Insurance Co., E.D. Cal. No. 2:22-cv-02179, March 2, 2023; American Family Connect P&C v. Huebner, 9th Cir. No. 21-36057, December 23, 2022; Sederberg v. IDS Property Casualty Insurance Co., Tex. App. Dallas No. 05-11-01275-CV, April 17, 2013; Gambrell v. IDS Property Casualty Insurance Co., Ariz. Ct. App. No. 2 CA-CV 2014-0147, September 9, 2015; King v. Peeples, Ga. Ct. App. No. A14A1077, August 13, 2014; Kaufman v. Costco Connect Power by American Family Insurance Claims, D. Mont. No. CV 23-102-M-DWM, November 17, 2023
What should you review on your own Costco auto policy?
Review the medical payments, personal injury protection, and uninsured or underinsured motorist coverages named on your policy. The program's coverage pages describe these protections, while the court records show why the policy wording and claim handling matter.
- In California, Federici and Maslo addressed the insurer's duties to investigate and pursue a fair resolution even when arbitration was available.
- In California, Chow and Wonn applied restrictions on an unlisted relative living in the household. Confirm that every resident relative is named on your policy.
- In Washington, Huebner allowed the insurer to subtract the other driver's insurance payment.
- In Arizona, Gambrell's personal underinsured motorist coverage did not extend to his employer's truck.
- In Georgia, King's claim failed after late notice and late service on the uninsured motorist insurer.
Use the guide to filing on underinsured motorist coverage for that process. If you were injured while driving for work, review the separate workers' compensation claim guide.
Sources: Costco program, Medical expense insurance; Costco program, PIP insurance; Costco program, Uninsured motorist coverage; Federici v. IDS Property Casualty Insurance Co., Cal. Ct. App. No. B262009, September 28, 2016; Maslo v. Ameriprise Auto & Home Insurance, 227 Cal.App.4th 626 (2014); IDS Property Casualty Insurance Co. v. Chow, 9th Cir. No. 19-55837, July 14, 2020; Wonn v. American Family Connect Property and Casualty Insurance Co., E.D. Cal. No. 2:22-cv-02179, March 2, 2023; American Family Connect P&C v. Huebner, 9th Cir. No. 21-36057, December 23, 2022; Gambrell v. IDS Property Casualty Insurance Co., Ariz. Ct. App. No. 2 CA-CV 2014-0147, September 9, 2015; King v. Peeples, Ga. Ct. App. No. A14A1077, August 13, 2014
How do you prepare a Costco auto insurance injury claim?
Collect the driver's policy details, identify the insurer, and report the crash using the program's claims channel. Then keep the documents and coverage questions together as you review the injury.
Save the insurance and crash information
Get the other driver’s insurance card, last name, and policy number. Keep photographs, witness details, and the police report with your crash records.
Identify the company named on the card
Look for American Family Connect, Midvale, or American Family Insurance through the Costco program. Do not confuse the insurer with the Costco Auto Program or Connect Insurance in Texas.
Report the crash to the insurance program
The Costco program’s claims page gives 1-800-872-5246 for reporting a claim. Guest filing needs the insured driver’s last name and policy number; call if you lack them.
Send the documents under your claim number
Email [email protected] with the claim number in the subject, fax 1-866-935-2858, or mail American Family Insurance Claims Services, Inc., 6000 American Parkway, Madison, WI 53783-0001.
Request the coverage limit in writing
Ask the insurer for the policy limit before comparing an offer with the value of the injury.
Read your own policy and household listing
Review medical payments, personal injury protection, and uninsured or underinsured motorist coverage. In California, confirm that every relative living with you is listed on the policy.
Wait until you understand the injury’s course
Do not settle before you know the injury’s full course, including the treatment and lasting effects.
Note the lawsuit deadline and review compensation
Find the filing period for your state. Use the free AI calculator with attorney review to review your injury range alongside the policy limit.
Read about understanding recovery before settling and considering the first settlement offer. The free AI calculator with attorney review helps you review an injury range using the claim details.
Sources: Costco program, What to do after a car accident (page data September 4, 2026); Costco program, Contact (page data September 4, 2026); American Family, File a Claim as a Guest (screens read in a browser); Costco program, Bodily injury insurance; IDS Property Casualty Insurance Co. v. Chow, 9th Cir. No. 19-55837, July 14, 2020; Wonn v. American Family Connect Property and Casualty Insurance Co., E.D. Cal. No. 2:22-cv-02179, March 2, 2023
Costco auto insurance claim questions
How much is a Costco auto insurance injury claim worth?
The national injury ranges used for a Costco auto insurance claim extend from $5,000 to $5,000,000+. The linked injury guides provide the ranges. The other driver’s insurance limit caps that policy’s payment, and the same limit principle applies to uninsured or underinsured motorist coverage on your own policy.
How do I file a Costco auto insurance claim as a non-customer?
Use the program’s guest filing link or call 1-800-872-5246, as its accident page directs non-policyholders. The guest form requires the insured driver’s policy number and last name. If you do not have those details, report by phone.
What is the Costco auto insurance claims phone number?
The Costco program’s claims page lists 1-800-872-5246 to report a claim. The program’s contact page separately lists 1-888-404-5365 for existing claims, available 24 hours a day, 7 days a week; that number also handles sales and service.
Where do I send Costco auto insurance claim documents?
The program’s contact page lists [email protected], fax 1-866-935-2858, and American Family Insurance Claims Services, Inc., 6000 American Parkway, Madison, WI 53783-0001. Put the claim number in the email subject, as that page instructs.
What is Costco's car insurance called?
The program’s contact page says, “American Family Insurance is our brand name.” The policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company. The older brand was CONNECT, powered by American Family Insurance; before that, the program used the trade name Ameriprise Auto & Home Insurance.
Who underwrites Costco auto insurance?
American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, and Midvale Indemnity Company underwrite the program’s auto policies, according to its contact page.
Does Costco pay car insurance claims?
No. The retailer’s insurance page says Costco Wholesale, Costco Insurance Agency, Inc., and its subsidiaries do not underwrite insurance, pay claims, or guarantee the products and services. Your claim belongs with the American Family Connect company or Midvale named on the policy.
Is Costco auto insurance the same as the Costco Auto Program?
No. The Costco Auto Program is a car-buying service operated by Affinity Auto Programs, Inc., with phone number 1-800-755-2519. It is separate from the insurance program. A claim under a Costco auto insurance policy goes to the insurer, using 1-800-872-5246 for reporting.
Is IDS Property Casualty the same company behind Costco auto insurance?
Yes. IDS Property Casualty Insurance Company is the former name of American Family Connect Property and Casualty Insurance Company, as Arizona’s May 6, 2020 consent order identifies it. Ameriprise Auto & Home and CONNECT are older branding associated with the insurance program.
Is Costco auto insurance good at paying claims?
The NAIC’s 2025 private passenger auto complaint index for American Family Connect Property and Casualty Insurance Company is 1.32 against a national 1.00. California’s 2026 study gives that company a 2025 justified-complaint ratio of 3.0 per 100,000 earned exposures and rank 24 of 50. The NAIC’s 2025 complaint-code view lists unsatisfactory settlement or offer most frequently, with 49 entries across all lines, not auto alone.
Is Costco auto insurance good at paying claims in California?
California’s 2026 consumer complaint study ranks American Family Connect Property and Casualty Insurance Company 24 of 50 large auto insurers. The department records 19 justified complaints for 2025, a ratio of 3.0 per 100,000 earned exposures, and 629,242 approximate exposures. The ratios were 2.1 for 2023 and 2.8 for 2024. The NAIC separately records 72 California complaints out of 112 nationwide for that company in 2025 across all policy types.
Is my relative covered by Costco auto insurance if not listed on the policy?
In California, an unlisted household relative was restricted to the $30,000 statutory underinsured motorist minimum instead of the policy’s $250,000 in Chow and Wonn. The Ninth Circuit ruled in Chow on July 14, 2020, in an unpublished decision; the Eastern District of California ruled in Wonn on March 2, 2023. Check that every relative who lives with you is listed on your California policy.
Is there a class action about Costco auto insurance injury claims?
As of November 10, 2026, the research found no injury-claim class action against these insurance companies. The Achziger settlement against IDS Property Casualty Insurance Company in the Western District of Washington concerned diminished vehicle value under Washington comprehensive, collision, or underinsured motorist property-damage coverage, not injuries. The settlement administrator records final approval on June 22, 2020 and a $5,212,600 settlement fund.
What is the filing deadline for a Costco auto insurance injury lawsuit?
The injury lawsuit deadline is two years in California, Texas, Illinois, Georgia, Arizona, Virginia, Nevada, and Oregon; Washington allows three years. Florida’s two-year negligence deadline covers claims arising after March 24, 2023. These periods apply to claims against people and companies.
Sources: Costco, Auto & Home Insurance; Costco program, Contact (page data September 4, 2026); Costco program, Report a claim (page data July 22, 2026); Costco program, What to do after a car accident (page data September 4, 2026); American Family, File a Claim as a Guest (screens read in a browser); Costco Auto Program; Arizona Department of Insurance, Consent Order No. 20A-010-INS (May 6, 2020); American Family, welcome page; American Family, Our history; NAIC Consumer Insurance Search; NAIC Consumer Insurance Search, complaint codes for NAIC 29068, 2025; California Department of Insurance, 2026 study; California Department of Insurance, 2025 study; California Department of Insurance, 2024 study; IDS Property Casualty Insurance Co. v. Chow, 9th Cir. No. 19-55837, July 14, 2020; Wonn v. American Family Connect Property and Casualty Insurance Co., E.D. Cal. No. 2:22-cv-02179, March 2, 2023; JND Legal Administration, class action administration case list (Achziger entry)
Individual case outcomes are collected in the reported settlement and verdict database.
Cite this data
SetCalc. "Costco Auto Insurance Injury Settlement Calculator." Updated November 11, 2026. https://setcalc.com/guides/costco-auto-insurance-injury-settlement-calculator.
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