What to do you do if you have a loss?
When you have an accident, a loss, or a possible claim, contact your agent and/or insurance company as soon as possible. They will guide you through the claims process. In the event of an emergency, call 911 and get to a safe place.
INFORMATION TO HAVE AVAILABLE WHEN CALLING ABOUT A LOSS
While your CT insurance agent or the claims department can access most of your policy information with your name and address, you should have your policy number if it’s available. Be prepared to provide as much of the following as possible:
- Type of loss (i.e., auto, home, business)
- Location, time, and date of accident or loss
- Name of police officer and phone number of department
- Copy of police report if available
- Name, address, and phone numbers of other party(ies), witness(es), or passenger(s) involved
- Insurance company and policy number of the other party(ies)
- Description of the damage
- Description of what happened
- A estimate of damage if already obtained
WHAT TO DO UNTIL HELP ARRIVES
Most CT insurance policies require that you contact the claims department to report any accidents or possible claims and that you take reasonable measures to prevent further loss. In some cases, you can do this yourself by shutting off the source of a water leak or coverage a hole in a roof with a tarp, for example. If you need help, your agent or claims rep can provide you with a list of qualified professionals for special needs such as fire and smoke damage. And if you pay any out of pocket expenses, keep receipts so you can be reimbursed if it’s a covered loss.
IS THE LOSS COVERED?
Please call your agent or the claims department to discuss any loss that you might have. While the ultimate decision comes from the claims department, in many cases your agent can help you determine if you have a covered loss. If it is an emergency, call 911.
WHERE TO GO FOR REPAIRS?
By law a policyholder has a right to choose where to get his/her repairs done. However, insurance companies often have preferred body shops, garages, or contractors and if you use one of them, the work might be guaranteed by the insurance company. If you’re not sure where to go, ask you agent or adjustor if the insurance company has any recommendations or has a list of approved shops, garages, or contractors.
If you require additional information regarding claims or if you have a question that’s not answered on our website, contact your agent or claims department and ask.
If you have any questions about the claims process, or want to discuss your policies in more detail, give us a call at 860-529-1737 or email us at email@example.com.