Below are some of our frequently asked questions. If you have any other
questions or concerns, please feel free to contact us.
| Who should I call to report a loss?
You can let your agent know, but to get the claims process rolling fast call the claims department directly. If you don't have the claims number for your particular company, call your agent and she will provide you with the information needed to submit your claim. The claims department prefers to speak directly with the insured to obtain the information first hand so don't be offended when your agent request you call the claims department directly. It will actually speed up the process for you.
Back to Top
|
| How do I know if my claim will be covered?
A good place to start is by reviewing your policy. You also may want to ask your agent or the claims representative assigned to your claim to help you understand what coverage you've purchased and how it applies to your particular claim.
Back to Top
|
| I don't think my losses will exceed my deductible. Should I still file a claim?
You may want to just in case you discover additional injuries or damages later on that may take the value of the claim over the deductible amount. Talk it over with your agent.
Back to Top
|
| Should I file a police report for a loss or theft?
We recommend filing a police report immediately any time you experience an auto accident, property theft or vandalism to your property.
Back to Top
|
| What if I think the other party is filing a fradulent claim?
Let us know. Your claims representative may ask our Special Investigation Unit to investigate your claim if potential fraud may be involved. Most states have laws against fraudulent claims.
Back to Top
|
| What if the other party sues me? What should I do?
If you receive a legal summons and/or complaint, alert your agent immediately, and forward a copy of the summons and/or complaint along with any other letters and documents you receive to your claims representative who is working with you on your claim.
Back to Top
|
| What if my vehicle is "totaled" in an accident?
We look at the type and extent of damage, vehicle age, state law and other factors to determine whether to repair or declare a vehicle a total loss.
Back to Top
|
| What if I need a rental vehicle while mine is being repaired?
If you've purchased rental reimbursement coverage, the cost of a rental vehicle will be covered according to the provisions of your policy. Those coverages vary but the covered loss must exceed your collision or comprehensive deductible.
Back to Top
|
| If repairs take longer than the rental reimbursement coverage in my policy provides for, what happens?
Unfortunately, your coverage cannot be extended beyond the amount you purchased in your policy.
Back to Top
|
| If my vehicle is repaired with aftermarket parts, will those parts void my warranty?
Federal regulations protect you in this situation: if a repair facility restores your vehicle with an alternative part and that part fails, the parts vehdor, repair facility will back up the part as long as you own the vehicle.
Back to Top
|
| If property is stolen from my insured vehicle, is the loss covered by my auto policy?
It depends on what was stolen - if it's vehicle equipment for which you've purchased coverage, the loss is covered. But if it's something you've placed in your vehicle - your computer or a set of golf clubs - theft of that property from your vehicle is not covered by your auto policy but may be covered by your homeowners' or renter's policy.
Back to Top
|
| Do I need to file a police report for property damage or loss due to theft?
Yes, reporting losses to the appropriate authorities is required by your policy.
Back to Top
|
| My home was damaged by a flood. Is the damage covered by my policy?
Most homeowner's policy do not cover flood damage. If you also purchased flood insurance from the National Flood Insurance Program, the damages may be covered. Please speak with your agent to obtain more details.
Back to Top
|
| If a hurricane, tornado, earthquake, forest fire or other natural disaster has damaged my property, is the damage covered by my policy?
Hurricanes, tornados and forest fires are typically covered by your homeowners policy. To respond to these types of losses, we typically send the Catastrophe Unit to any large-scale natural disaster to quickly assess damage and help our customers through the claims process.
Back to Top
|
| Because of the damage, my home isn't safe to live in. What do I do?
Your safety is priority number one. If you purchased additional living expense coverage as part of your policy and a covered loss makes your home uninhabitable, your policy will cover a reasonable increase in living costs to maintain your normal standard of living. Some restrictions and limitations apply, so please consult your claims representative.
Back to Top
|
| 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. Then, if you come across additional information that would help your claims representative with the claim, provide it to him/her at that point. We can even reopen a claim after it's closed if you obtain information that might result in an additional payment to you.
Back to Top
|