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Help filing a claim

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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. 

Gather the Right Details

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. 

Prepare for a Follow Up

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. 

Contact claims department


AAA Insurance: 888-779-5630     

Austin Mutual/Main Street America Group: 800-328-4628      

Badger Mutual:  800-837-7833

CNA: 877-262-2727     

Dairyland: 800-638-8763      

Foremost: 800-527-3907

Hagerty: 800-747-5348      

MN Fair Plan: 612-338-7584 

Motorist Group: 800-876-8766  

Liberty Mutual: 800-362-0000

Philidelphia: 800-765-9749      

Progressive: 800-766-4737          

Safeco:  800-332-3226

Travelers: 800-252-4633      

Wilson Mutual: 866-543-1005

Or Call Ostrowski Insurance in the event of an emergency

Office: 651-439-0019    

John Ostrowski Cell: 651-491-2101     

Haley Kindom Cell: 651-395-1468

Contact Us

Contact Us

Ostrowski Insurance Agency, Inc.

Ostrowski Insurance Agency, Inc. 6381 North Osgood Avenue Suite 201 Stillwater Minnesota 55082

Main Office: (651) 439-0019 John/Business Insurance: (651)-491-2101 Haley/Personal Insurance: (651)-395-1468


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8:30 am – 4:30 pm

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