American Modern Customer Service, Claims, and Bill Pay Contacts

Contact directory

American Modern phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on American Modern's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact American Modern

• Report damage to a vehicle, boat, RV, or home
• Check on an open claim or an adjuster visit
• Make a payment or set up automatic payments
• Update a vehicle, value, or lienholder
• Request ID cards or proof of insurance
• Ask how your policy handles a specific item or use

Tips for a faster call

Have your American Modern policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether American Modern offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a American Modern claim

American Modern says customers can start a claim online through its claims portal. Open the official claims page and click “Continue” to file a claim. Customers can also call 1-800-375-2075 to speak with a representative. The claims page refers to property or home damage and Collector Vehicle coverage. Have your policy number, loss details, contact information, and supporting documents ready when you begin the claims process.

Use the claims portal and 1-800-375-2075 for claim assistance and temporary housing assistance. Collector Vehicle roadside assistance uses a separate contact: call 1-866-877-9095 or visit americanmodern.rsahelp.com. Keep those contacts separate from a standard property claim. When you call or submit a request, describe the damage or service need and keep the claim number for future updates.

Before you report a claim

• Stay safe first. If anyone is hurt, call 911. Move a vehicle or boat out of harm's way only if it's safe.
• Prevent more damage. The Insurance Information Institute (III) suggests making temporary repairs you can do safely and keeping the receipts.
• Document everything. Take photos of the damage and the scene, and note the date, time, and location.
• Collect other parties' details. For a crash, get names, insurance companies, plate or registration numbers, and witness contacts.
• Report it promptly. Call American Modern or use its online claim tool, and keep your claim number handy.

What happens after you file

After you report a claim, American Modern assigns an adjuster who reviews the damage, your coverage, and any agreed or stated value on your policy. Keep repair estimates, appraisals, and receipts together, since specialty items often need extra documentation. Your deductible is usually subtracted from a covered payment.

If you disagree with a decision, ask American Modern for a written explanation and try to resolve it with the company first. If that doesn't work, you can contact your state insurance department.

Billing

How to pay your American Modern bill

American Modern accepts payments by phone at 1-800-543-2644. The company’s payment page also says banks and credit unions may process one-time and recurring electronic bill payments. Review the payment page or your billing statement for the method that fits your policy, and have your policy number ready when you make a payment.

For USPS, mail payment to American Modern Insurance Group, PO Box 740167, Cincinnati, OH 45274-0167. For UPS or FedEx overnight, use Fifth Third Bank, 5050 Kingsley Drive, Cincinnati, Ohio 45227, Attn: 1MOC1N, Rlbx 740167. Write the policy number on the check and include the payment coupon. Electronic payments may be charged several days before American Modern receives them, and up to two weeks later is common. Check your bank account and billing records to confirm that the payment posted, and allow enough time for delivery before the due date.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with American Modern before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through American Modern's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About American Modern

American Modern Insurance Group, Inc., uses American Modern as its brand name. The company started over 75 years ago as The Midland Company. Its headquarters are in Amelia, Ohio. American Modern is part of Munich Re, which is identified as its parent company. This history and ownership connect the brand to a larger global insurance group.

The company offers residential property insurance, including manufactured homes and specialty dwellings. Its recreational products include boats, personal watercraft, classic cars, watercraft, collector cars, motorcycles, ATVs, and snowmobiles. The website also lists recreational insurance, residential insurance, and pet health insurance. Admitted products are available in all 50 states. Coverage, eligibility, and policy terms can vary by state and policy.

Your agent

How Blake Insurance Group can help American Modern customers

As an independent agency, we can help you reach the right American Modern team, explain what your policy covers, and follow up if a claim or billing issue stalls. American Modern makes the claim decision and issues payment, but we can help you prepare.

Specialty policies often have rules about use, storage, and value, so it pays to review them before a claim. Learn more about auto insurance, mobile home insurance, and roadside assistance coverage.

Take the next step

Need help reaching American Modern?

Call us and have this ready so we can help quickly.

• Your American Modern policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against American Modern's websites and these consumer sources in September 2026:

• American Modern: Company .html (external site)
• American Modern: Official website (external site)
• American Modern: Make a payment.html (external site)
• American Modern: Official website (external site)
• NAIC: What you should know about filing an auto claim (external site)
• Insurance Information Institute: Tips for filing a claim (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not American Modern, and this page is not operated by or affiliated with American Modern. We gathered the phone numbers and links on this page from American Modern's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.