Overview
Monoline reviews open auto claims on a case-by-case basis. Not all open claims result in a decline, but certain types are automatically ineligible. When in doubt, reach out to underwriting before submitting.
What May Be Acceptable
Some open claims can be considered without issue. For example, a single-vehicle accident where the insured is simply waiting on parts, with no third-party exposure, may qualify. Claims like this can remain open for legitimate reasons and do not automatically disqualify a risk.
What Is Automatically Ineligible
The following open claim types will not be accepted:
Claims involving bodily injury (BI) or third-party property damage
Claims with active subrogation
Claims where the insured is pursuing litigation
Open collision claims with no explanation or expected closing timeline (even if BI or PD is not yet shown, a BI claim may still develop)
How to Handle a Potentially Qualifying Open Claim
If you believe an open claim may be eligible, email underwriting before completing the quote. Include:
The nature of the loss
The current claim status
An expected closing timeline, if available
Underwriting will review and advise before submission.
Is Approval Guaranteed Without BI or Third-Party Damage?
No. Each situation is reviewed individually, and approval is never automatic. Even claims that appear low-risk require underwriting review before a decision is made.