North American Risk Services (NARS): What to Know About Your Claim

North American Risk Services (NARS) is a Florida-based third-party claims administrator that handles claims for insurers and businesses, including transportation and workers’ compensation claims (NARS). If NARS is handling your injury claim, it works for the insurer or company that hired it, not for you. Its toll-free claims line is 1-800-315-6090. Beverly Law does not work for or with NARS.

Who is North American Risk Services?

NARS describes itself as a national third-party claims administrator owned by claims professionals. It lists workers’ compensation, transportation, general and professional liability, property and construction defect claims among its lines, and gives a mailing address of PO Box 166002, Altamonte Springs, Florida.

The Missouri Department of Insurance lists North American Risk Services, Inc. as a licensed third-party administrator, license TP426038, at 300 International Parkway in Lake Mary, Florida (Missouri DOI).

Why is a claims administrator calling me instead of an insurer?

Insurers and self-insured businesses may hire a third-party administrator to investigate and adjust claims. For example, one insurance group’s published reporting sheet tells its insureds to report every property and casualty claim to NARS, which reviews each notice, assigns an adjuster and sends an acknowledgment with a NARS claim number (KBK reporting instructions).

So the NARS adjuster on your file represents someone else’s insurance. That does not change your rights. Ask, in writing:

• Which insurer or company NARS is handling the claim for.
• The policy number and the liability limits.
• Whether the client pays a deductible or self-insured amount before insurance applies.
• Whether the adjuster has authority to settle, or must get approval.

How do I contact NARS?

NARS lists these channels on its site:

• Phone: 1-800-315-6090 (it says representatives take new claims 24/7)
• Fax: 1-866-261-8507
• Online claim reporting on its website

If you already have a NARS claim number, use it on every letter. If you do not, include the date and place of the crash, the other driver’s name and company, and the police report number. For a truck, look up the carrier’s USDOT number on SAFER, and use the Licensing and Insurance search to see insurance filed by interstate for-hire carriers.

What should I tell the NARS adjuster?

Start with the basics: your name, how to reach you, the date and place of the crash, and the vehicles involved. You do not have to describe your injuries in detail on the first call, and you can decline to be recorded. Many people downplay pain early and regret it later, so say only that you are getting treatment. If the adjuster offers a quick payment, ask what it would release. A check marked as full settlement, or a release form, can end the claim before you know the full cost of your care. Ask for every offer in writing.

What if I was hurt at work and NARS handles the comp claim?

NARS also handles workers’ compensation. If NARS is administering your comp claim and another driver caused the crash, you may also have a separate injury claim against that driver. California says an employee’s comp claim does not affect the right to sue a third party other than the employer (Labor Code 3852). Keep the two claims, and their claim numbers, separate.

What rules protect me when an administrator handles the claim?

In California, the fair claims regulations apply to claimants under someone else’s policy (10 CCR 2695.2). Insurers generally must respond to your communications within 15 calendar days (10 CCR 2695.5) and accept or deny within 40 calendar days of proof of claim, with written updates every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). In Texas, ask for any refusal in writing (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.

For truck claims, most interstate for-hire freight trucks of 10,001 pounds or more must carry at least $750,000 in liability coverage (49 CFR 387.9), and driver logs only have to be kept six months (49 CFR 395.8), so request preservation early.

What to do now

1. Get medical care and keep every record.
2. Ask the NARS adjuster which insurer or company they represent.
3. Get the NARS claim number in writing.
4. Request the policy limits and any deductible or retention.
5. Send a preservation letter for logs, video and records.
6. Decline a recorded statement until you know your options.
7. Talk to a lawyer before signing a release.

Talk to Beverly Law about a NARS claim

If NARS is handling the other side of your injury claim, call Beverly Law at (310) 552-6959 for a free review in English or Spanish. You owe no fees or costs unless we win. Read our truck insurance claims guides.

Common questions

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Truck Insurance Claims · Truck insurance claims · Old Republic Insurance Company 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.