How to File an Auto Claim
In the event of an accident:
- Report the accident to the police.
- Obtain information about the other people involved in the accident such as;
- Names, addresses, and phone numbers;
- Insurance company;
- Type of vehicle; and
- Auto and drivers license numbers.
- Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.
- Report the accident to your Insurance Agent or Carrier.
In the event of a windshield, vandalism, or theft loss;
- Report the vandalism loss or theft to the police.
- report a loss to your Insurance Agent or Carrier.
After being reported the claim to the insurance company, the claims adjuster will;
- Contact you to request details of the accident and repair estimates.
- Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged.
- Contact you for a settlement.
- Deal directly with the others involved in the accident.
You should not talk to anyone involved in the accident, refer them to your claims adjuster.
How to File a Liability Claim
In the event of injuries or damage to property of others which you allegedly caused always;
- Report the loss or claim
- Forward any correspondence, including a summons from an attorney representing the other party.
- Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster.
After the claim is reported to the insurance company, the claims adjuster will;
- Contact you to discuss the incident that allegedly caused the injury or damage to the property.
- Deal directly with the other party and/or attorney to handle the claim.
How to File a Business Property Claim
In the event of damage to your building or content;
- Protect the property from further damage:
- Call the proper authorities and utilities (gas, electric, telephone).
- Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.
- Contact your Insurance Agent or Carrier to report the loss.
- Call a contractor to estimate the building damages.
- Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.
- Keep records of expenses if you are forced to be temporarily relocated.
- Do not authorize repairs until the claims adjuster has given you the authority to do so.
How to File a Workman's Compensation Claim
In the event your employee is injured on the job;
- Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
- Forward a copy of the First Report to us in the event of a disabling injury or death claim. Follow up with the insurance company for their prompt handling of the claim will be followed by us.
- Contact the insurance company to question the status of a claim. If you experience delays or have questions, please contact us for assistance.
After you report the claim to the insurance company, the claims adjuster will;
- Contact the injured employee to discuss the accident.
- Request copies of bills and doctors’ reports for medical treatment administered.
- Contact you, the employer, if there is any lost time from work as a result of the injury.