Each claim is unique which means that the claims handling process varies depending upon the type of claim and the size of the claim.
Your claim handling begins with an investigation of the facts. The claims representative will contact you within 24-48 hours of the receipt of your claim.
The claims representative gathers the facts of the loss from those involved and reviews your policy to confirm applicable coverage and corresponding limits. In the case of an automobile accident, the claims representative will also expand their investigation to resolve any discrepancies and evaluate the facts to determine fault.
The next phase of the claims process involves a determination of damage.
The claims representative will be able to assist you with determining the amount of your repairs or the value of your totaled vehicle. They can also help refer and arrange repair services.
The final phase includes working with you to finalize all of the paperwork necessary to document your loss and assist you with getting your life and property back to pre-accident condition.
What information do I need when reporting a claim?
Be ready to provide:
Do I need to File a Police Report for Loss or Theft?
It's always a good idea to file a police report when experiencing a damage or theft. Each claim is unique which means that the claims handling process varies depending upon the type of claim and the size of the claim.