Why doesn't the Claim representative check with me before paying a claim on my behalf?
Insurance companies have experts who investigate the claim, verify the scope and extent of damages, evaluate the situation based on the facts and pay the most appropriate amount based on their findings. It is the insurance company's responsibility, as stated in the insurance contract, to act in the policyholder's best interests. There is no need to inconvenience the customer by bringing them into the claim process.
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If I have an accident, what do I do?
- Move clear of traffic if possible and turn off your engine.
- If hurt, wait for help inside your vehicle, make sure someone has called 911.
- Tell police immediately if you are hurt, and ask again for emergency help.
- If you are able, write down as much of the following information as possible.
- Names, addresses and phone numbers of everyone involved, including witnesses. Get other driver's license numbers, plate numbers, registration information, and insurnace company name and policy number.
- Vehicle: Year, Make, Color, License Plate # and State.
- Location of the accident (Street, City & State)
- Make notes or sketches to help remember details, the time, weather, road conditions, etc.
- Injuries: Who was injured? What was the injury?
- Was anyone taken away in an ambulance?
- Name of responding Police Department and Police Report # if the police came to the scene.
- You should report the claim as soon as possible. You can do this on-line, or by calling and chatting with customer service for assistance.
- We recommend that you print the "What to do in case of an accident" form and put a copy in all vehicles covered by your policy. We also recommend keeping a disposable camera in your glove compartment so you can take pictures of the accident scene.
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