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How do I file an insurance claim?
As your professional, independent agent, we at Duxbury & Hermans and Stissing Insurance can assist you in completing the necessary paperwork for your claim, and will guide you in taking the steps you need to take to be reimbursed for your loss.
If you are involved in an accident, if your car is stolen, or damaged by fire, flood or vandalism, contact your insurance representative as soon as possible to report the claim. Have your policy number ready, plus all license numbers, phone numbers and other information. The police must be notified immediately of any motor vehicle accident or theft.
Generally, there are three methods used in handling auto accident claims:
• you will be asked to drive the car to a drive-in claims center, where an adjuster will inspect your car and issue an estimate of damages;
• you will be asked to take the vehicle to several body shops for estimates, and then turn the estimates over to the adjuster; or
• your insurance company will contact an adjuster to review your case and expedite your claim. Get the adjuster’s name, address and the name of the firm. If an adjuster has not contacted you within 10 days, notify us.
When reviewing an estimate with the adjuster, find out if the damaged parts are to be repaired or replaced. Determine whether the estimate is for original manufacturer or thirdparty parts, and if that type of part is covered by the terms of your policy.
After you have received authorization to repair your car, make an appointment with a reputable repair shop. Ask how long the job should take and find out if the needed parts are in stock. If the cost of the repairs exceeds the estimate, ask the shop to notify the adjuster for authorization.
Whenever you talk with anyone regarding a claim, take detailed notes. Record the time, date, name of the person and what you discussed. Include all decisions or promises made. Keep our agency fully informed, and furnish us with copies of any documents you send or receive.
Save all receipts. If you have an auto claim, your auto insurance policy may cover incidentals such as car rental or a hotel room if your accident occurs out of town. Check with our agency for specific details of your policy.
If you are making a homeowners claim, do not throw damaged items away until the claim is resolved, you may need to retain the damaged items for inspection by a claims adjuster in order to be reimbursed.
In all types of claims, please cooperate fully with any insurance company employees who may contact you for further information.
And remember, you’re not in this alone! We are trained and willing to help you with every step in this process.
Source: PIA
Company Claims Reporting Numbers
* denotes companies that request the insured call their claim in directly to them before calling their agent.
- Allstate Claims * - 800 386 6126
- Allstate Auto Glass Claims * - 800 626 4527
- Chubb (Sterling Marketing) - 800 462 4661
- Eastern - 800 367 3243 (Choose option 228)
- GMAC * - 800 468 3466
- Mercury - 800 987 600 (Choose option 2)
- New York Central Mutual - 888 234 6926
- New York Mutual (Sterling Marketing) - 800 462 4661
- One Beacon After Hours - 800 301 2548
- One Beacon Auto Glass Claims - 877 248 4968 (Choose option 2)
- Drive Insurance * - 800 274 4499
- Safeco - 877 566 6001
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- Travelers * - 800 252 4633
- Travelers Commercial * - 800 238 6225
- Travelers Auto Glass Claims * - 866 878 4527