Welcome to an easy claim experience.

Should I File a Claim?

You're not required to file a claim. Here are some things to consider if you are an auto or property customer:

• Was anyone injured?

• Did you damage someone else's property or vehicle?

• Is it unsafe to live in your home or drive your car?

• Are the damages above your deductible?

If you answered yes to one or more of these questions, you should consider filing a claim. This will help us begin collecting the information needed to resolve your claim quickly. Below are some FAQ:

How long do I have to file a claim?

If you plan to file a claim, you should do so now. Generally, for property policies, you have at least six months to file a claim. In some states, and depending on your policy, it may be longer.

What type of information do we ask for when you file a claim?

You should file your claim with your carrier as soon as possible, even if you don't have all the necessary information. The faster you do so, the sooner we can start assisting you. You will have the opportunity to update information. Here is what we typically look for:

• Photos of the damage, if applicable

• Your contact information

• The name and contact information of any other involved parties

• Policy information, if available

• The type of loss you are reporting (auto, home, etc.) Remember, in the event of auto damage, your policy does not include mechanical breakdowns.

• The date the incident occurred

• A description of what happened

• A description of any injuries

• The police report – if available

When you call to file your claim, a Claim Customer Service professional will document the details of the loss and may provide you with a claim number. Your claim will then be assigned to one of our Claim professionals who will assist your throughout your entire claim process.

Can I get a damage estimate before filing a claim?

Yes, you can obtain an estimate before filing a claim. Once you have your estimate and if you are wondering if your estimate is above your deductible, please log into your carrier account to compare your deductible to your estimate.

Will my rates increase for my personal auto policy if I file a claim?

If you file a claim and we make a payment, it is very likely that your premium will increase. We can’t tell you exactly how much this will be because there are so many different factors that can affect your premium at the time of renewal. If a claim does impact your premium, the change may last for approximately 3 to 5 years.

What if the accident was the other driver’s fault?

If you believe you're not at fault for the damage to your vehicle, you have the option to file your claim with the other driver's insurance company or with your carrier. Here are some things to consider when making a decision:

If you believe you're not at fault for the damage to your vehicle, you have the option to file your claim with the other driver's insurance company or with your carrier. Here are some things to consider when making a decision:

• You will not be required to pay a deductible if you file with the other company. If you file with your carrier, you may be required to pay a deductible and then wait for a possible reimbursement from the other driver's insurance company.

• The other company will likely provide you with alternative transportation or a rental while your vehicle is being repaired. Your carrier may not provide a rental if you don't have that type of coverage.

• The other company may not agree that their driver is 100% responsible and may only offer to pay a portion of your damages.

• If you file a claim with the other company, we will not be able to assist you with your claim against that company. However, if you change your mind, you can come back to us and we will process your claim.

Every insurance carrier is different, but this information may help you understand how to file a claim with the other driver’s insurance company and what to expect.