Northland Insurance Claims After a Truck Accident

Northland Insurance is a Travelers subsidiary (Business Wire) that has insured owner-operators and trucking fleets since 1948 (Northland). If a truck it insures injured you, Northland’s claim center takes reports 24/7/365 at 800-328-5972 (Northland), and the claim is handled against the trucker’s policy. Beverly Law does not work for or with Northland or Travelers.

Who is Northland Insurance?

In a 2023 release, Travelers described Northland as its subsidiary, founded in 1948, serving transportation companies with more than 22,000 customers in 46 states. Northland’s own site says it covers owner-operators and fleets (Northland). In Texas, the site says coverage is provided by Consumers County Mutual Insurance Company and administered by Northland, so a Texas exchange form may show that name instead.

Travelers lists Northland’s claim number separately from its other business lines on its claim resources page (Travelers).

How do I file a claim against a Northland-insured truck?

Call 800-328-5972. Northland also has an online truck claim form. Its relationship menu includes “Individual who sustained damage or injury,” but the form asks for the insured driver’s name, phone and policy number, so it is easier to use once you have the trucker’s insurance details from the police report or the exchange at the scene.

Before you call, collect:

• The motor carrier’s name and USDOT number (look it up on SAFER).
• The driver’s name and the policy number, if you have them.
• The police report number, date, time and state of the crash.
• Photos and the names of anyone who saw it happen.

Ask for your claim number and the name of the person assigned to it, and confirm both by email.

What does Northland do after a serious crash?

Northland says its rapid response teams go to accident sites as soon as possible to preserve evidence, that a forensic laboratory with more than 50 engineers, scientists and technicians supports its investigations, and that Travelers Staff Counsel has more than 90 attorneys assigned to Northland customers (Northland claim services).

For an injured person, that means the trucking side may have investigators at the scene within hours and lawyers ready from the start. Your own evidence matters just as much: photos, medical records, a list of witnesses and a written timeline made while the details are fresh.

Should I give Northland a recorded statement?

You can report the claim without giving a recorded statement. The adjuster represents the trucker’s interests, and answers you give while hurt or medicated can be used later to argue you were partly at fault or that your injuries came from something else. Give the date, place and vehicles involved, and put anything more detailed in writing after you have medical records. A medical release should cover only the injuries from this crash.

What evidence does the trucking company have to keep?

Some of it is short-lived. Driver duty-status records and supporting documents only have to be kept for six months (49 CFR 395.8). Inspection and maintenance records must be kept for one year and for six months after the truck leaves the carrier’s control (49 CFR 396.3). After a crash with a death, or one where the trucker is cited and someone is taken for medical treatment or a vehicle is towed, the carrier generally must test the driver for alcohol and drugs (49 CFR 382.303). A preservation letter asks the carrier and Northland to keep all of it, including camera footage and electronic logging data.

For coverage amounts, most interstate for-hire freight trucks of 10,001 pounds or more must carry at least $750,000 in liability coverage, with higher minimums for oil and hazardous materials (49 CFR 387.9).

How do claim rules differ in California, Texas and Washington?

In California, the fair claims rules apply to claimants, not only to the insurer’s customers (10 CCR 2695.2). The insurer generally must acknowledge your claim and answer your letters within 15 calendar days (10 CCR 2695.5) and accept or deny within 40 calendar days of proof of claim, or explain in writing every 30 days why it needs more time (10 CCR 2695.7). In Washington, an insurer generally must acknowledge a claim within 10 business days (WAC 284-30-360). In Texas, the Department of Insurance says to ask for a written reason if the other driver’s company will not pay (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.

What to do now

1. Get checked by a doctor, even if you feel fine.
2. Get the carrier name, USDOT number and policy number.
3. Report the claim to Northland at 800-328-5972.
4. Keep your first conversation short and factual.
5. Send a written request to preserve logs, maintenance files and video.
6. Track every bill, missed workday and out-of-pocket cost.
7. Have a lawyer review any offer before you sign.

Hurt by a Northland-insured truck?

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 guides on truck insurance claims.

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.