top of page


This is exactly why you have insurance

Reporting a Claim

Auto Claim

How to report a vehicle insurance claim:

1.  Contact Your Insurance Company – Contact your agent or insurer to report the accident as soon as possible. Be prepared to provide the following information:

  • Which covered vehicle was involved

  • Who was driving

  • Location and time of the accident

  • A basic description of the accident and the severity of the damage

  • The name and insurance information of the other driver

  • Names and contact information of others involved in the accident and witnesses

2.  File a police report – Your insurance company will request a police report number. If you did not get a police report at the scene, you can still go to a local police station to file a report.
Follow up with insurance adjuster – The insurance company will assign an adjuster to your claim. The adjuster will most likely contact you for additional information. Stick to the facts and avoid speculation when describing what happened. Provide any photographs you took at the scene and the contact information of any witnesses. Remember that the conversation will be recorded and will be used when determining who was at fault. If you are filing a personal injury claim with the other driver’s insurance company, you may want to contact an attorney before this step.
In addition to gathering information about the accident, the adjuster will either inspect the damage to your vehicle or will ask you to take the car to a certified repair shop that will perform the inspection.

4.  Evaluation – Your adjuster will consider and evaluate the facts and your policy, inspect the damage, and potentially make an initial payment.
Resolution – The adjuster will authorize a final payment. You’ll sign a release, accepting the payment as payment in full for the case.

Auto Company Info
Home Claim

How to report a home insurance claim:

  1. Report any crime to the police. If you are the victim of a theft or your home has been vandalized or burglarized, report it to the police. Get a police report and the names of all law enforcement officers that you speak with as you may need to provide the details of the event to your insurer.

  2. Phone your insurance professional immediately. Ask the following questions: Am I covered? How long do I have to file a claim? Will my claim exceed my deductible? (If your loss is lower than your deductible, you probably won’t want to go through the claims filing process.) How long will it take to process my claim? Will I need to obtain estimates for repairs to structural damage?

  3. Promptly fill out claim forms. If you establish that you'll be making a claim your insurance company will send you the necessary claim forms—by law, these must be sent to you within a specified time period. Return the properly filled out forms as soon as possible in order to avoid delays.

  4. Have the insurance adjuster inspect the damage. Your insurance company will probably arrange for an adjuster to come and inspect your home. An adjuster is a company representative who inspects property damage to determine how much the insurance company should pay for the loss. He or she will interview you and inspect the property.

  5. Prepare for the insurance adjuster’s visit. Be prepared to show the adjuster any structural damage and have a list of damaged items ready so you can make the best use of the time.

  6. Make temporary repairs. Photograph or videotape the damage, then take reasonable steps to protect your property from further damage. If possible, avoid throwing out damaged items until the adjuster has visited your home. Save receipts for what you spend—you may be able to submit them to your insurance company for reimbursement later.

  7. Prepare a list of lost or damaged articles. You're going to need to substantiate your loss, so make a list of destroyed or damaged items, then make a copy of the list for your adjuster. Also supply him or her with available copies of receipts from damaged items. (Having a home inventory will speed this part of the claims process).

  8. If you need to relocate, keep your receipts. If your home is so damaged that you need to find other accommodations while repairs are being made, keep receipts and records of all additional expenses incurred. Most homeowners insurance policies provide coverage for additional living expenses in such cases, but you’ll need to provide proof of the costs.

  9. Don't be shy about asking questions. If you have any questions about the claim filing laws in your state, call your insurance professional or your state department of insurance.


Once you and your insurance company agree on the terms of your settlement, state laws require that you be sent payment promptly.

Home Company Info
Home Claims Contact Information by Companies
Need more details? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.

bottom of page