Accredited Specialty Insurance Company Claims After a Truck Crash

Accredited Specialty Insurance Company is a surplus lines insurer that issues policies for programs run by managing general agents, including one for North American cross-border trucking (The Insurer). If a truck with an Accredited Specialty policy hurt you, the claim is usually handled by the program’s administrator, so the first step is finding out who that is. Beverly Law does not work for or with Accredited.

Who is Accredited Specialty Insurance Company?

The Missouri Department of Insurance lists Accredited Specialty under NAIC number 16835 at 4798 New Broad Street in Orlando, Florida, with the license type “Excess/Surplus Lines” (Missouri DOI). Trade press at its launch described it as the excess and surplus lines carrier of the Accredited program platform, owned at the time by Randall & Quilter Investment Holdings, with an A- financial strength rating (The Insurer).

The same press reported that its first surplus lines program came from Southern Star, an agency that underwrites general and auto liability for North American cross-border trucking, adding to its physical damage and cargo lines.

Why does a program insurer matter after a truck crash?

With a program insurer, the company named on the policy is not always the company you talk to. A managing general agent may sell and underwrite the policy, and a claims administrator may adjust it. That is normal, but it means you need three names in writing: the insurer, the program or agency, and the claims administrator.

For cross-border carriers, it also matters where the trucking company is based. A carrier based in Mexico may have its records, managers and some witnesses outside the United States, which makes early preservation requests even more useful.

How do I find who handles the claim?

We did not find an official Accredited claims page with a claimant phone number, so do not rely on numbers posted by third-party sites. Instead:

• Check the insurance card or exchange form. Program cards often print the administrator’s claims line.
• Get the police report. It usually lists the policy number and insurer.
• Look up the carrier. SAFER shows the motor carrier’s USDOT record, and the Licensing and Insurance search shows insurance filed by interstate for-hire carriers.
• Write to the insurer. Missouri lists the company’s Orlando address; a short letter with the policy number asking who adjusts the claim creates a record.

Once you reach the right adjuster, ask for the claim number and the policy limits in writing.

What does surplus lines coverage mean for me?

The Texas Department of Insurance says surplus lines insurers are not members of the state’s property and casualty guaranty association, and that TDI does not license them or monitor their finances (TDI). Washington’s Insurance Commissioner says surplus line customers are not protected by state guaranty funds if the insurer fails (Washington OIC). Your right to claim stays the same. What changes is how important it is to identify every policy, including the trucking company’s other coverage and your own.

Coverage minimums and records

For most interstate for-hire freight trucks of 10,001 pounds or more, federal rules require at least $750,000 of liability coverage (49 CFR 387.9). Carriers must keep driver logs for six months (49 CFR 395.8) and maintenance records for one year, and for six months after a truck leaves the carrier’s control (49 CFR 396.3). Send your preservation letter to the carrier, the agency and the insurer.

What claim rules apply in California, Texas and Washington?

In California, insurers generally must reply to a claimant’s communications within 15 calendar days (10 CCR 2695.5) and accept or deny within 40 calendar days of proof of claim, explaining delays in writing every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). In Texas, get any refusal explained in writing (TDI tips). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.

What to do now

1. Get medical care and keep every record.
2. Photograph the truck’s USDOT number and any Mexican plates or markings.
3. Get the police report with the policy number.
4. Identify the insurer, the program agency and the claims administrator.
5. Ask in writing for the claim number and policy limits.
6. Send preservation letters to the carrier, agency and insurer.
7. Talk to a lawyer before giving a statement or signing.

Questions about an Accredited Specialty claim

Call Beverly Law at (310) 552-6959 for a free case review in English or Spanish. You owe no fees or costs unless we win. Find more in our truck insurance claims section.

Common questions

Related pages

Truck Insurance Claims · Truck insurance claims · Southlake Specialty Insurance claims · Hudson Insurance Company claims · Can I sue a truck driver for hitting me? · Law Blog

Important: This page is general information, not legal advice, and reading it does not create an attorney-client relationship with Beverly Law. Laws change and every case is different; talk to a lawyer about your own situation. Attorney advertising. Prior results do not guarantee a similar outcome. You owe no fees or costs unless we win. Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou. Last reviewed: 2026-11-12.