We understand that filing a claim can feel stressful and uncertain, but we're here to support you every step of the way. Our team is always ready to help when you need us. In the meantime, explore our quick claims FAQ guide for straightforward answers to the most common questions about the claims process, so you can get back to what matters most.
Contact your agent or insurance company immediately. Most insurers have phone numbers, online portals, and mobile apps for reporting claims. Be prepared to provide your policy number and details about the incident.
You'll typically need:
Your policy number.
Date, time, and location of the incident.
Description of what happened.
Contact information for anyone involved (witnesses, other drivers, etc.).
Police report number (if applicable).
Photos or videos of the damage (if applicable).
Medical bills or repair estimates (if applicable).
Contact your agent or insurer as soon as possible after the incident. While there may be legal time limits, prompt reporting is crucial for a smooth process. Check your policy for specific deadlines.
The insurance company will assign an adjuster to your claim. The adjuster will investigate the incident, assess the damage, and determine coverage. They may contact you for further information.
Processing time varies depending on the complexity of the claim. Simple claims might be resolved quickly, while more complex ones can take weeks or even months. Ask your adjuster for an estimated timeline. It is normal practice for an insurance adjuster to reach out for first contact within 24-48 hours once reported.
You have the right to appeal the decision. Contact your insurer and ask about their appeals process. Provide any additional documentation or evidence to support your case.
Yes, you can usually appeal a denied claim. Follow the instructions provided by your insurance company.
A proof of loss form is a document you may need to submit, formally detailing the losses you've incurred. Your insurer will provide this form if needed.
An independent adjuster is a third-party professional hired by the insurance company to assess your claim.
