Knight Specialty Insurance Company Claims After a Crash

Knight Specialty Insurance Company is a Delaware surplus lines insurer with administrative offices on Wilshire Boulevard in Los Angeles, and commercial auto liability is its main line of business (Delaware Department of Insurance). Its claims are managed by an affiliated Knight company, so the adjuster who contacts you may not use the Knight Specialty name. Beverly Law does not work for or with Knight Specialty.

Who is Knight Specialty Insurance Company?

Delaware’s examination report, covering 2020 through 2022, says Knight Specialty was incorporated in Delaware on July 10, 2013, began business in 2014, and belongs to the Knight Insurance Group. Its direct parent is Knight Insurance Company, Ltd. The report says commercial auto liability made up about 60 percent of its 2022 direct written premium, that its largest states were California, Florida and New Jersey, and that it writes through unaffiliated agencies and brokers.

The Missouri Department of Insurance lists Knight Specialty under NAIC number 15366 at 4751 Wilshire Boulevard, #111, Los Angeles, CA 90010, with the line “Excess/Surplus Lines” (Missouri DOI).

Who actually handles a Knight Specialty claim?

Delaware’s report names two affiliates. Knight Management Insurance Services, LLC provides claims management under a management agreement. Knight Management Company LLC, under an underwriting management agreement, accepts applications and collects premium, and also has authority to adjust and pay claims on the business it writes.

So if you get a letter or call from “Knight Management,” that is likely the claims side of the same group. Ask the caller to confirm in writing which company they work for, that they are handling the Knight Specialty policy, and the claim number.

How do I report a claim?

We did not find an official claimant phone number for Knight Specialty. Use these instead:

• The driver’s insurance card. It should list where to report claims.
• The police report. It usually includes the policy number.
• The carrier’s federal record. For a truck, look up the USDOT number on SAFER and check filed insurance on the Licensing and Insurance search.
• A letter to the Wilshire Boulevard address. Include the policy number, the date and place of the crash, and your contact information.

Keep a copy of every letter and note the date and time of every call. If you hear nothing within a few weeks, send a short follow-up that repeats the policy number and asks for the name of the adjuster assigned.

What does it mean that Knight is a surplus lines insurer?

The Texas Department of Insurance says surplus lines insurers are not members of the state’s property and casualty guaranty association and are not licensed or financially monitored by TDI (TDI). The Washington Insurance Commissioner says surplus line customers are not protected by state guaranty funds (Washington OIC). It is still a real policy, and your claim is the same. It does make it worth checking for other coverage, including your own uninsured or underinsured motorist coverage.

How much coverage might there be?

For most interstate for-hire freight trucks of 10,001 pounds or more, federal rules require at least $750,000 (49 CFR 387.9). Many commercial auto policies cover local vans, pickups and box trucks that carry much less; California’s minimum for injury is $30,000 per person and $60,000 per accident (DMV). Ask for the policy limits in writing before discussing a number. For trucks, ask early that driver logs be kept, since they only have to be kept six months (49 CFR 395.8).

What claim rules apply in California, Texas and Washington?

In California, insurers generally must respond to a claimant’s letters 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 to pay 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 insurance card and the vehicle’s company markings.
3. Get the police report with the policy number.
4. Confirm in writing which Knight company is adjusting the claim.
5. Ask for the policy limits and check your own coverage.
6. Send a preservation letter for logs and video.
7. Talk to a lawyer before signing a release.

Help with a Knight Specialty claim

Hurt in Los Angeles or anywhere in California, Texas or Washington? Call Beverly Law at (310) 552-6959 for a free review in English or Spanish. You owe no fees or costs unless we win. More truck insurance claims guides are here.

Common questions

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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.