Frequently Asked Questions
Find quick answers to common questions about STAR Mutual RRG’s insurance offerings, claims process, payments, agent support, and more. Whether you're a policyholder or agent, this page covers everything you need to know to make informed decisions every step of the way.
Insurance coverage and claims
What types of insurance does STAR Mutual RRG offer?
STAR Mutual RRG offers commercial auto liability, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Our tailored policies are designed to meet the core needs of businesses operating in the transportation industry.
Which commercial vehicles are covered by STAR Mutual RRG?
We provide coverage for a wide range of commercial vehicles, including box trucks, cargo vans, pickup trucks, semi-trucks, flatbeds, dry vans, tow trucks, dump trucks, reefers, hotshot trucks, and more. Check out the complete list of vehicles we cover here. Whether you run one vehicle or a large fleet, STAR Mutual RRG has flexible options to meet your needs.
What industries and business classes does STAR Mutual RRG insure?
We work with businesses in transportation, logistics, delivery services, contractors, and other industries that need commercial auto liability insurance. We also provide coverage for businesses with unique needs like waste hauling, expedited freight, and car hauling operations. Take a look at the list of the business classes we cover here.
How much does commercial auto insurance with STAR Mutual RRG cost?
Our pricing is competitively aligned with the needs of safety-focused operators. We consider key factors like driving history, fleet composition, years in business, and operational footprint to provide fair, transparent rates. By rewarding responsible practices, we help businesses grow with confidence—without compromising on quality or protection.
Are financial rewards or discounts available with STAR Mutual RRG policies?
Yes! We reward safe driving practices. You can treat coverage pricing as instant feedback—the suggested premium will reflect potential risks and help you navigate your business operations. Additionally, we offer discounts for Business Experience, Owner-Operators, and veterans through our Military discount. These incentives are part of our commitment to supporting responsible businesses and fostering long-term partnerships with those committed to safety.
What should policyholders do in case of an accident?
In the unfortunate event of an accident, prioritize safety first. Gather essential information at the scene, such as photos and witness contacts, call the police, and report the accident to us immediately.
To make things easier, STAR Mutual RRG provides a step-by-step guide on what to do in case of an accident. Additionally, you'll find a concise, actionable note on the back of the insurance ID card issued by STAR Mutual RRG, so the guidance is always within reach.
Filing a claim is easy with our claims partner, where a dedicated representative will guide you through every step of the process.
How to file a claim with STAR Mutual RRG?
File claims online via the “Report a claim” form on our claims partner's website (GB Group, LLC). For assistance, call 800-730-0373 (Toll Free) or email starclaims@gbgroupllc.com for more information. You can also reach STAR directly at claims@starrrg.com, or by calling (833-369-7827) (Toll Free). For more information, please visit our Claims page.
Payments and policy management
Does STAR Mutual RRG offer flexible payment options?
We understand the financial demands of running a business and offer flexible payment plans to suit your cash flow needs. As a Direct Bill company, STAR Mutual RRG ensures you don’t pay any interest on your payments.
We provide the following payment options to accommodate your preferences:
Full payment,
25% down payment + 10 monthly installments,
20% down payment + 9 monthly installments.
Can policyholders manage their policies?
Appointed insurance agents handle policy management through our online platform. Please contact your agent if you want to receive a quote or submit an endorsement.
Can STAR Mutual RRG provide coverage for large fleets?
Absolutely. We provide scalable insurance solutions for businesses of all sizes, including transportation companies operating large fleets. Our policies are designed to grow with your business, ensuring you are always covered.
Does STAR Mutual RRG offer Additional Insured (AI) and Waiver of Subrogation (WOS)?
Yes, we provide Additional Insured and Waiver of Subrogation. These endorsements are available upon request and are perfect for businesses with contractual obligations requiring such coverage. Please contact your agent if you want to submit an endorsement.
Can clients expand their coverage during the policy period?
STAR Mutual RRG supports your business growth and allows you to expand the coverage during the policy period. Add vehicles or change coverage limits as needed—just contact your agent to submit an endorsement.
Agent-specific questions
What is STAR Mutual RRG’s quoting and underwriting process?
Our quoting and underwriting process combines advanced technology with human quality control, enabling fast and accurate responses. Agents can submit information via our online portal, and our team will ensure prompt handling of all requests.
Where can agents find STAR Mutual RRG’s state licensing information?
You can access the list of states where we are registered to do business on our dedicated licensing page or by contacting our support team. We ensure up-to-date details are readily available for our appointed agents.
How can agents get appointed with STAR Mutual RRG?
Agents interested in partnering with STAR Mutual RRG can apply through our website. Simply submit a form by clicking on the "Get appointed" button at the top right corner of the main navigation menu. Please ensure to include all required details, as gaps may result in delays with the appointment. Your application will be reviewed shortly, and you will receive an agreement via email within 3 business days—if not, please email agents@starrrg.com.
What support and training does STAR Mutual RRG provide for appointed agents?
We are committed to helping our appointed agents succeed. Our online platform is intuitive and easy to navigate, and our responsive team is always available at agents@starrrg.com to assist you. The onboarding process is straightforward and designed to guide you every step of the way. Agents also gain access to internal tools, including an expanded FAQ section and video training modules to support ongoing learning and success.
About STAR Mutual RRG
What sets STAR Mutual RRG apart from traditional insurance companies?
STAR Mutual RRG is owned by its members, meaning policyholders are in control. This structure allows us to offer tailored coverage solutions in commercial auto insurance, as we understand the unique challenges in this sector very well. Our streamlined processes and advanced technology empower us to deliver fast quotes and efficient underwriting, while our solid financial standing allows us to support transportation companies in times of need.
How is STAR Mutual RRG different from other commercial auto insurance providers?
STAR Mutual RRG specializes in commercial auto liability insurance. Our platform is designed for speed, reducing processing times for quotes and binding. We’re fast, transparent, and committed to aligning our success with yours. Operating as a risk retention group, we are great supporters of stability and growth for our members.
Is STAR Mutual RRG financially stable?
Yes. We adhere to strict financial standards and regulations to ensure long-term stability. STAR Mutual RRG is rated “A” (Exceptional) by Demotech, Inc., “B+” by A.M. Best, and backed by “A+” (Superior) reinsurance carriers. Our member-owned structure emphasizes careful management of funds to serve our policyholders effectively.
Who is eligible to purchase coverage from STAR Mutual RRG?
If your business uses vehicles for work, you may be eligible for coverage. We serve a wide range of operations—from owner-operators to contractors and large fleets. Contact us at info@starrrg.com to find out if your business qualifies.
If you are not currently working with an agent, we will gladly connect you with one in your home state to guide you through your options.
Already have an agent you trust? You are welcome to share our website with them—our appointment process is quick and straightforward, enabling your agent to provide you with a quote from STAR Mutual RRG promptly.
Does STAR Mutual RRG provide commercial auto insurance in my state?
STAR Mutual RRG is a Tennessee domiciled RRG and is registered to do business in multiple states. Our team works diligently to expand our reach, ensuring businesses across the U.S. can access our services. Check our coverage map or contact us directly to confirm availability in your state.
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