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We recommend that you contact our agency first so we can educate you on critical details before making the decision to file a claim. 

What many insureds are not aware of: 

1)  Even if a claim is not paid out, there can still be a negative impact to your premium rates.

2)  You are responsible for your deductible if filing on your policy a Not-At-Fault or At-Fault loss. 

3)  If another vehicle is involved in your auto accident, you can file under your own insurance or the other driver's insurance, and there are benefits to each option. 

4)  The number of claims on your policy could hinder your ability to stay with your current company, risking a non-renewal and a higher premium rate. 

That's why we are here to help! 

Have your policy information: policy number, or Declaration page in front of you so we can discuss the coverage and deductible, options for filing, and claims process. 

Always gather and record pertinent details of your claim: date and time of loss, and a brief explanation of the situation. 

If this is an auto claim, please gather the other vehicle's information by snapping a picture of their insurance information and collect contact information. 

Always try to get a police report if another vehicle is involved.