FAQs

Can I file a claim over the phone?

In the real world, Parloa’s insurance customers absolutely take claims over the phone. In this Kronos demonstration site, you can check the status of a claim that has already been filed by authenticating as the customer on the My Account page. You’ll find a link to the My Account page in the upper right corner of the page. 

What are the different stages of an auto insurance claim, and what do they mean?

Submitted / FNOL (First Notice of Loss): The initial filing of the incident. The insurer has recorded the claim but has not yet assigned it to an adjuster.

Under Investigation: The insurance company is gathering facts, reviewing police reports, and determining fault.

Assigned / Adjusting: An auto damage appraiser evaluates the severity of the vehicle's damage to authorize repairs or declare a total loss.

Pending / On Hold: The claim is temporarily paused, typically due to missing information, waiting for medical documents, or unresolved fault disputes.

Approved / Settled: The claim has been processed and liability is finalized. Insurers will either authorize a direct repair or issue a payout check (minus your deductible). 

Denied / Declined: The insurer determines the damages are not covered by your policy or the other party's liability cannot be proven. 

Closed: The claim process has concluded. This can happen after a successful settlement, or if required actions by the policyholder remain incomplete over a specified timeframe.

How can I check the status of my claim?

You can check the status of your claim at any time by calling 1-800-KRONOS-1 and selecting the Claims Status option.

Our representatives can provide updates on:

• Claim review progress
• Payment status

You'll always know where your claim stands.

What should I do immediately after an accident?

Your safety comes first.

•  Move to a safe location if possible.
• Check for injuries and call emergency services if needed.
• Exchange information with other drivers involved.
• Take photos of the scene and vehicle damage.
• Contact Kronos as soon as possible to report the incident.

Our team will walk you through the rest.

Does Kronos offer roadside assistance?

Yes. Every Kronos Auto Insurance policy includes complimentary Roadside Assistance.

Whether you've been involved in an accident or simply need help getting back on the road, assistance is just a phone call away.

What services are included with Roadside Assistance?

Roadside Assistance may include:

• Emergency towing
• Flat tire assistance
• Battery jump-starts
• Lockout assistance
• Fuel delivery
• Winching and vehicle recovery

Coverage limits may vary by policy. Please review your policy details for complete information.

How do I request Roadside Assistance?

Call us anytime, day or night. In the U.S., call +1 (518) 735-8838; in Germany, call +49 30756794 25.

A Kronos representative will dispatch help to your location and keep you informed throughout the process.

Is Roadside Assistance available after an accident?

Absolutely. If your vehicle cannot be safely driven following an accident, Kronos can arrange towing and transportation assistance through our Roadside Assistance program.

When you call, we'll coordinate support and help begin the claims process if needed.

How quickly will help arrive?

Response times vary based on location, weather conditions, and service availability. However, our network of service providers works around the clock to reach you as quickly as possible.

Our representatives can provide estimated arrival times when assistance is dispatched.

Will filing a claim increase my premium?

Premium changes depend on several factors, including the nature of the claim, driving history, state regulations, and policy details.

A Kronos representative can discuss your specific situation and answer any questions regarding your coverage.

What if the other driver doesn't have insurance?

If you carry Uninsured Motorist Coverage, your Kronos policy may help cover eligible damages and expenses resulting from an accident caused by an uninsured driver.

Contact us immediately after the incident so we can review your options.

How can I contact Kronos Auto Insurance?

Our customer support team is available to help with claims, roadside assistance, billing questions, and policy information.

Phone: U.S. +1 (518) 735-8838, Germany +49 30756794 25
Hours: 24/7 Claims & Roadside Assistance Support

At Kronos, we're committed to making insurance simple, reliable, and there when you need it most.