What to do in the event of an insurance claim

General Claim Information

Please use this information as a resource for steps that you should take in the event of an insurance claim:

1. Contact the authorities and complete a full police report


2. Make an inventory of all items loss or description property damaged


3. Take pictures of damages from various angles


4. Assess dollar value to loss incurred
   

NOTE: It is important to determine if the loss exceeds your insurance policy deductible amount.

5. Call your insurance agent or company and report your claim


6. Write down your claim adjuster’s name and phone number and keep this information in a safe and accessible location.

It is important that you understand that all claims are handled individually and are defined independently from policy to another. Just because a loss was covered on your neighbors policy does not mean that it will be covered on yours. Consulting with your agent or claims adjuster will give you a more clear assessment on whether or not your loss will be covered.

Initiating scenarios with your agent during your annual review is crucial and will serve as reference should you have loss.
The best advice we can give it to speak with your agent and review your policy coverage so that you are not left guessing at the time of a loss.

Deductible Information

It is important that you review the deductible amount of your policy. Your deductible amount is the amount of money you are responsible for as the insured before the insurance company begins payment.

Example: Total Damages equal $25,000.00 and your deductible is $500.00. The insurance company will write you a check in the amount of $24,500.00

It is important that you review the deductible amount of your policy. The deductible amount is the amount of money you are responsible for as the insured before the insurance company begins payment.

Additional Information
RE: Auto Insurance - **Rental Car Reimbursement Tip**

In the event of an auto insurance claim, if you have rental car coverage and you do not use this coverage, you may be able to have this amount reimbursed or paid toward your deductible.

NOTE: This may not apply on all policies. Speak with your insurance agent to confirm whether or not this would apply to your policy.

Lets say that you have a auto insurance claim and you have rental coverage of $25 per day up to 20 days. This gives you a total of $500 to use for a rental car. If you do not use this amount for a rental car because you car pool or any other reason the insurance company will reimburse this to you in a check or give you the opportunity to put it towards your deductible.

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DISCLOSURE: All entries by QuoteFishing.com are for informational purposes only and it is always recommended that you consult with your local insurance agent as coverage, definitions and claims procedures may differ from state to state.