We hope you never suffer an unfortunate loss that puts you in a claim situation. However, if you do, we want to make the claims process to be as easy as possible.
The statutory conditions of policy advise that you are to notify your insurer without delay in the event of a claim. The sooner we are aware of a claim, the better we can serve you and protect your interests. Be sure to report any vandalism or theft to police. In addition, all personal injury automobile accidents and accidents resulting in property damage to all vehicles in excess of $2,000 must be reported to the police.
If your property is damaged, do what you can to protect it from further damage. You can be reimbursed for reasonable expenses to mitigate damages for insured losses. Whenever possible, take photographs to document the damage prior to beginning mitigation efforts.
If you have experienced property loss or damage, compile inventory lists of all damaged items with identifying brand names and model numbers. Record where and when you bought the item and its original purchase price. Assemble any receipts, warranty documents and other proofs of ownership for lost or damaged property. Retain any receipts relating to expenses or replaced property.
Limit your discussions to your agent or broker, our representatives and any authorities involved. In particular, don’t discuss responsibility for a loss with anyone else until you’ve talked to us.
The following is an overview of the steps involved in the claims process.