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.

It's all pretty simple. 

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.


Over the past five years, Lancer has recovered over $3.7 million in property damage and loss of use for us. We used to pay around 30% for third-party loss recovery, but with Lancer, it’s included as part of a comprehensive benefits package. Lancer knows how important loss recovery is for a limo company. That’s why they provide the service - and fight so hard for every dollar we’re due.
— Rich Doherty, Director, National Fleet Services EmpireCLS Worldwide Chauffeured Services, Secaucus, NJ