After a loss, whether it is on your home, auto, boat, motorcycle, or RV there are always more questions than answers. Do I have the right coverage? Who is responsible for the damages? Where can I go to get my repairs done right? It can be overwhelming! But, if you have insurance with one of our preferred carriers, you can rest assured that you will be given the support you need from start to finish. Here is a quick check list of what to do in the event of a claim
• Safety First: If no one is seriously injured, move the vehicles to the side of the road, out of the main flow of traffic. If the cars are unable to be moved, it may be best to stay in the car with safety belt buckled until help arrives
• Exchange Information: The most important information can be found on the other party’s insurance card. Be sure to include their name, phone number, policy number, insurance company and vehicle information. Although it is important to exchange information, admitting liability for the accident should be avoided.
• Photograph and Document the Accident: Photos and a detailed description taken within minutes of the accident may help you to recall all the important details that a claims adjuster may need during his investigation. Also, if there are witnesses, try to take down their account and be sure to get their contact information as well.
• File the Accident: The claims number can be found on your ID card and claims offices are open 24 hours a day. They will ask for the details at the initial contact, so if you need assistance or have questions, call our office at 940-382-4700. We can give you advice or even turn in a claim with you.
• Know what coverage you have: The whole insurance process will be easier following your accident if you know the details of your coverage. Generally, for only a dollar or two extra each month, you can add coverage for rental car reimbursement, which provides a rental car for little or no money while your car is in the repair shop or if it is stolen. Check your policy for specifics.
• Report the claim as soon as reasonable: If you need help finding the number to report the claim, call Insurance Connection USA for assistance.
• Protect your property: Try to arrange temporary repairs as soon as possible. For example, if your window is broken, have it boarded up to protect your home and property from vandalism or weather damage. If you need a recommendation for a contractor, we may have several options for you.
• Keep documentation: If you have temporary repairs expenses keep bills and/or receipts so that they can be included in the amount of your claim payment. However, do not make any permanent repairs until your claims adjuster has had a chance to review the damage.
• Determine the damage: If you had any loss to your personal property keep an accurate list of the items damaged. Include specific details like manufacturer, brand name and serial numbers if they apply. Having a detailed inventory before a loss could be a huge benefit and could include photographs, video or an itemized list of your personal property.
• Separate the damage items: In order to assist the adjuster it is helpful to contain the damaged items into one area. If you are uncertain about an item, include it with the damaged property for the adjuster to inspect.
If you need help at any part of the process, remember to call us at 940-382-4700. We are here to help!