Claims FAQ

I’ve been in an accident; what do I do?
If you’re involved in an accident, please contact the police immediately; then contact our office or report the claim via our website.  Please have all pertinent information such as date, time, and location of the loss, the names of the parties involved and their phone numbers/addresses.

What if I don’t have all the information about my loss right now?  Should I wait to file a claim?
No.  File your claim as soon as possible after your loss.  If you receive additional information that will help your claim, provide it to your claims representative at that appoint.

After I’ve filed a claim, what happens next?
Once the claim is reported, you will be contacted by a claims representative and the process will be discussed with you.  Any available options will be discussed with you as well.

When do I pay my deductible?  To whom do I pay it?
Your deductible will be subtracted from the amount of your loss before the delivery your settlement payment.  You will likely pay the amount of your deductible directly your contractor once repairs are completed.

Will this accident increase my rates?
Call us to discuss how your rates may be affected.  The claims department is not involved with determining rates.

What if my vehicle is a total loss?  How is the value determined?
After your vehicle is inspected by the claims representative, the value determined is based upon the vehicle’s options, mileage and condition.

What should I do if my vehicle is involved in a hit and run?
Contact the police to report the incident.  This is considered a collision loss and your collision deductible applies.  We will set up a claim and ask that you get an estimate for your damage.

What if I don’t think the estimate is adequate?
Because estimating involves judgment, there can be differences of opinion about what work needs to be done and how much that work should cost.  If you are concerned with the estimate provided, contact the claims representative to discuss the issue.