We Insure - Claims Information

What to do after a loss occurs

  • Your safety is the first priority in the event of a loss. 
  • Immediately report the loss by calling your Insurance Company.  The quicker you report your loss, the quicker we can help you get your life back together.

  • Contact the 24/7 claims line for your Insurance Company. Located on policy or search below

  • Protect your property from further damage by making reasonable and necessary repairs.

  • Maintain receipts of all expenses related to the temporary repairs and for any expenses incurred that are to be considered for reimbursement.

  • Make a list of your personal property that was damaged. If possible, include the manufacturer, brand name, place and date of purchase. Photos or video of your property before the loss would be very helpful.

  • Separate damaged property and keep it in a secure location. We will need to examine all damaged property to fully estimate your loss.
  • Do not sign any papers or authorize work from unverified contractors, plumbers.
  • Important: There are predatory adjusters & contractors who will try to use your claim for their benefit. Please be wary of signing any documents that could potentially remove your rights to the claim as a policy holder. The act of exchanging your rights is called (AOB) Assignment of Benefits. If you are in doubt please contact the insurer directly or your local agent. 

You've had an accident, what's next?

Immediately After an Accident

  • Take a deep breath and stay calm.
  • Check for injuries; call an ambulance when in doubt.
  • If accident is minor, move cars to a safe place, out of traffic.
  • Turn on your vehicle's hazard lights and use cones, warning triangles or flares for safety.
  • Call the police, even if the accident is minor.
  • Notify your insurance agent immediately.

Important

  • Do not sign any document unless it's for the police or your insurance agent.
  • Make immediate notes about the accident, including specific damages to all vehicles involved, witness information, etc.
  • If the name on an auto registration is different than the driver, jot down the relationship.
  • Be polite, but don't tell anyone the accident was your fault, even if you think it was.
  • State only the facts, and limit your discussion of the accident to the police and your insurance agent.
  • If possible, don't leave the accident scene before the police and other drivers do.

Call Your Insurance Company

If and when it’s safe to do so, call us from the scene of the accident. Take a few minutes to calm your nerves. The sooner you are able to file your claim, the sooner we can begin to help you.

Be ready to provide the following:

  • When did the accident occur?
  • Where did the accident occur?
  • How did the accident happen?
  • What other vehicles were involved, including the year, make and model?
  • A description of the damage on each vehicle
  • The names and contact information of people involved in the accident
  • The extent of any injuries to people involved in the accident
  • The names and contact information of anyone who witnessed the accident
  • The name of the police department that responded and the police report number

Depending on coverage, your insurance company can arrange to have your car towed from the scene of the accident if you have collision coverage.

Typically after you report your claim, a representative will contact you within one business day to discuss what happens next, what your insurance policy covers and to answer any further questions.

When you need your business insurance.

What to do at the time of a loss at your business.

Business Insurance coverage varies greatly because of the unique nature and risks associated with different types of businesses. It can include coverage ranging from Property, General Liability, Errors & Ommissions, Employment Practices, Workman Compensation, Accident, Inland Marine and Commercial Auto to name a few.

If you are uncertain about what coverage your policy provides, It is best to contact your agent to determine what your policy covers. Please be advised coverage eligibility and claims are only determined by the underwriting insurance company.

Important

  • Do not sign any document unless it's for the police or your insurance agent.
  • Make immediate notes about the loss including specific damages to all vehicles involved, witness information, etc.
  • State only the facts, and limit your discussion of the loss to any authorities or 3rd party.

Be ready to provide the following:

  • When did the loss occur?
  • Where did the loss occur?
  • How did the loss happen?
  • What other vehicles were involved, including the year, make and model?
  • A description of the damage on each vehicle
  • The names and contact information of people involved in the accident
  • The extent of any injuries to people involved in the accident
  • The names and contact information of anyone who witnessed the accident
  • The name of the police department that responded and the police report number

Depending on coverage, your insurance company can arrange to have your car towed from the scene of the accident if you have collision coverage.

Typically after you report your claim, a representative will contact you to discuss what happens next, what your insurance policy covers and to answer any further questions.

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