Accidents happen . . . and when they do, you may need to file an
insurance claim. The common-sense guidelines that follow can help
you understand how the claim settlement process can work for you.
Before you experience a loss . . . know your policy!
- Read your policy and pay attention to the perils, property,
and situations covered in your policies, as well as dollar
limitations and any exclusions.
- Find out how your policy will reimburse you—usually either
replacement cost or actual cash value. Know the actual cash
value or replacement cost of your property.
- Remember, if you have actual cash value coverage (usually
less expensive than replacement cost coverage), your insurance
adjuster will deduct the depreciation value of your property
from the cost of a new replacement item. For instance, a tire
with half its tread worn is worth about 50 percent of a new
- Prepare an inventory. Worth its weight in gold, a detailed
inventory of your belongings will help assure a speedy
settlement if you file a claim. Keep the list up to date, and
store it in a safe place away from your home.
- Keep receipts, appraisal certificates, and other documents supporting the value of possessions.
24 Hour Claim Telephone Numbers and Companies Represented
Allied - 1-800-282-1446 (personal)
|Donegal - 1-800-877-9006|
|NGM - 1-877-425-2467|
|Selective - 1-866-455-9969|
|Farmers - 1-888-425-2467|
|Progressive - 1-877-776-2436|
|Countryway - 1-800-828-6862|
|Infinity - 1-877-953-2337|
|AIG - 1-888-244-6163|
Agency Insurance Company of Maryland - 1-800-841-5241
Victoria - 1-800-926-3168
For your convenience, we're offering some tips that could help
you in the event that you may need to file a claim. The documents
below can be used as a general guide to assist you.
NOTE: The files below require that your computer can access Adobe .pdf files.
To obtain an Adobe Reader, please visit: http://www.adobe.com