When you insure your vehicles with Lancer, the industry's finest claims team will assist you in recovering monies from other insurance companies for out-of-pocket expenses and down-time expenses, including your deductible, when others are at fault for your loss.

The Loss Recovery Program Process

The process begins when you report a claim. Your Lancer claims examiner will investigate the claim, identify the adverse party and promptly set up a damage and down-time claim on your behalf with the other insurance company. This step allows you to avoid a subrogation audit and provides you the opportunity to give an early notice of "loss of use" of your affected vehicle.

Our claims professional then documents your claim and guides you through the process including:

  • Sending estimates and photographs for you, providing loss of use documentation

  • Obtaining an agreed cost of repair

  • And, most importantly, getting your vehicle back on the road

Our Loss Recovery Program is a value-added policyholder benefit that allows you to keep 100% of monies recovered on your behalf versus paying a vendor a 30%-50% fee.


After an accident, my Lancer reps know that our top priority is getting our car back on the road. I’ve had adjusters show up the next day to authorize repairs, with checks to vendors following promptly. And Lancer’s loss-of-use recovery program quickly gets us compensated for our vehicle downtime. With Lancer, I always get straight answers, competence and efficiency. That saves us time and money and makes me look good as a general manager.
— James Ells, General Manager, San Francisco, Avalon Transportation