Claims
Accidents happen . . . and when they do, you may need to file an
insurance claim. The common-sense guidelines that follow can help
you understand how the claim settlement process can work for you.
Before you experience a loss . . . know your policy!
- Read your policy and pay attention to the perils, property,
and situations covered in your policies, as well as dollar
limitations and any exclusions.
- Find out how your policy will reimburse you—usually either
replacement cost or actual cash value. Know the actual cash
value or replacement cost of your property.
- Remember, if you have actual cash value coverage (usually
less expensive than replacement cost coverage), your insurance
adjuster will deduct the depreciation value of your property
from the cost of a new replacement item. For instance, a tire
with half its tread worn is worth about 50 percent of a new
tire.
- Prepare an inventory. Worth its weight in gold, a detailed
inventory of your belongings will help assure a speedy
settlement if you file a claim. Keep the list up to date, and
store it in a safe place away from your home.
- Keep receipts, appraisal certificates, and other documents supporting the value of possessions.
|
24 Hour Claim Telephone Numbers and Companies Represented |
|
|
Allied - 1-800-282-1446 (personal) 1-866-322-3214 (commercial) |
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| Donegal - 1-800-877-9006 |
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| NGM - 1-877-425-2467 |
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| Selective - 1-866-455-9969 |
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| Farmers - 1-888-425-2467 |
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| Progressive - 1-877-776-2436 |
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| Countryway - 1-800-828-6862 |
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| Infinity - 1-877-953-2337 |
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| AIG - 1-888-244-6163 |
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|
Agency Insurance Company of Maryland - 1-800-841-5241 |
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|
Victoria - 1-800-926-3168 |
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For your convenience, we're offering some tips that could help
you in the event that you may need to file a claim. The documents
below can be used as a general guide to assist you.
NOTE: The files below require that your computer can access
Adobe .pdf files.
To obtain an Adobe Reader, please visit:
http://www.adobe.com