Commercial + Municipalities


Your fleet is your livelihood. That’s why ACM is here to help you recover the maximum amount when one of your vehicles is damaged by another party.
Even if you have spare vehicles, we can recover Loss of Revenue / Use for the time your vehicle was out of service. ACM has a dedicated team with in-depth knowledge of specialty vehicles ready to fight for you.

With over 21 years’ experience, an in-house legal team, an accident reconstruction specialist, a nationwide network of independent appraisers and over $10 billion recovered in closed claims, partnering with ACM is one of the best choices you can make for your business.

Many captives and insurance providers refer their clients to us for subrogation, due to our outstanding success in maximizing recovery. By letting ACM handle your not-at-fault accident claim from start to finish, you reduce the number of claims you turn in to your carrier, which can result in lower premiums for you, and will not affect your loss runs. Since we work strictly on performance, no one is more motivated to recover on your behalf than ACM.

Our commercial clients include: Ambulance/EMS, limo, taxi, shuttle buses & luxury transportation, fire, police, county and city governments, wheelchair vans, paratransit, pest control, road construction (such as line stripers, pavement markers, attenuators, concrete trucks), trucking and street sweepers.

As one of our long-time clients said “Don’t leave money on the table! Give ACM a call.”

Top Overall Benefits:

  • Closed claim recovery up to 6 years depending on state statutes. We will gladly review past claims for any under-collected or uncollected insurance funds you may be owed.

  • No exclusivity, contracts or upfront costs/fees.

  • The damaged vehicle is accurately valued by ACM’s proprietary system that engages multiple valuation sources to recover the maximum value for your asset.

Top Repair Benefits:

  • Use the body shop of your choice or continue to repair “in house”.

  • The body shop will be able to tear down the vehicle immediately and begin repairs.

  • Get most mid-range hits paid as a total loss, when deciding not to repair.

  • Nationwide Independent appraisers who compare the damage against the manufacturer’s specifications and creates a detailed and well supported estimate. (keep in mind most insurance estimators are not trained in specialty equipment and want to pay the least amount possible).

  • Maximizing ACV with our proprietary system of valuation and a strong 21+ year record of negotiating with insurance companies.

Top Operations Benefits:

  • Vehicles returned to your fleet faster; no waiting for insurance appraisers (who are motivated to pay as little as possible and are typically not trained in specialty vehicles & equipment).

  • ACM will pursue the Physical Damage, Loss of Revenue/Use, Diminution of Value and other items while the vehicle is being repaired. Typically Loss of Revenue is NOT in your insurance policy, so your carrier cannot recover it for you.

  • Dedicated customer service team available via chat, email or phone.

  • Online portal to track claim progress, upload documents and submit new claims 24/7.

  • ACM handles the long, complicated and time consuming task of loss recovery from the “at fault” insurance company, so your staff can focus on your core business.

  • ACM will provide your employees with training, reference materials and best practices for successful claims recovery.