We offer tailored protection options that cater to your lifestyle, with our helpful guidance every step of the way.
As insurance professionals, by educating you on potential gaps of coverage in the event of a loss, we can ensure all your insurance assets are accounted for.
Business insurance protects your investment by minimizing financial risks from nautral disasters, injured employees, lawsuits, or other business interruptions.
Without proper protection, one major loss could put you out of business.
As life changes, you need to reevaluate your financial strategy. At Ostrowski Insurance, we understand that your tailored protection must reflect your financial goals.
We'll work with you to help prepare for any changes and take you step by step to plan for uncertainties in your financial future.
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.
Be prepared that you may recieve a call back from the insurance company's claim department in order to answer further questions.
Sometimes this can take 24-48 hours from the claim filing.
AAA Insurance: 888-779-5630
Austin Mutual/Main Street America Group: 800-328-4628
Badger Mutual: 800-837-7833
MN Fair Plan: 612-338-7584
Motorist Group: 800-876-8766
Liberty Mutual: 800-362-0000
Wilson Mutual: 866-543-1005
John Ostrowski Cell: 651-491-2101