Learn tips to help you in the claims process

• Report claims for your auto, home or business to your agent or carrier as soon as possible.
• Have the following information available.
  • Names, addresses and phone numbers of anyone involved including witnesses
  • What happened?
  • The name of the insurance company and agent for other parties involved

If you are in a Car Accident:

• Remain Calm, Courteous and Consistent in your assessment of the accident
• If possible, move to a safe area
• Contact the policy yourself or ask someone to contact them. If there are potential injuries call for medical assistance.
• Obtain complete information for the other driver(s)
  • Name of driver
  • Name of Vehicle owner
  • Address
  • Phone number
  • Driver’s License number
  • License Plate Number
  • Insurance information
• Obtain information for any witnesses – name, address, phone number
• Ask where you can obtain a copy of the police report
• If you are driving someone else’s vehicle – notify the vehicle owner as soon as possible.

 **Tip – Use your smart phone to take pictures of driver’s license, License Plate, Insurance card and damages**

If you have a Homeowners Loss:

• When it is safe to do so, protect your property from any further damage including “reasonable and necessary repairs” such as covering holes in the roof, wall, doors and windows.
• Don’t make extensive permanent repairs until a claims adjuster has assessed the damage.
• Contact your insurance agent or insurance company.
• Make a list of damaged items
  • Use your home inventory if available
  • Or, if possible, put together an inventory using receipts, bill and photograph
  • If none of these are options, try picturing each room and make a list from memory
• Save receipts
• Don’t throw out expensive damaged items such as furniture as the adjuster may need to see these items
• Make a list of items you would like to show the adjuster