Accidents happen. When they happen you need to report them to your insurance carrier right away. A delay in notifying your carrier may result in a denied claim. Below are the phone numbers to call and report your claim. For claims regarding your home, condo or apartment be sure to have your policy number, insured name, a contact phone number, property address where the accident occurred, date of the loss, damaged areas and/or witness of at-fault party information. For auto accidents, the claims department will need to know the year, make and model of all vehicles involved, the names of the people driving, their insurance company and the police report number. If a vehicle was towed, that information is helpful as well. This information will speed along your claims process and get your repairs and reimbursements to you faster.
If damage has occurred at your home you need to take all appropriate measures to secure the home and prevent further damage. In most cases a restoration management company will be able to handle these tasks for you. Once the damage has occurred, save all receipts including, hotel, food, clothing, emergency services and repair men for reimbursement from the insurance company at a later date.
|National Flood Services
||(800) 324-6020 option 3
|California Fair Plan
||(213) 487-5888 option 2
|Universal North American
||(800) 945-7461 or (800) 788-1269
Some common claim terms to know when speaking with your adjustor:
- Actual Cash Value - An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss. For real property, this amount can be based on a determination of the fair market value of the property before and after the loss. For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles.
- Bodily Injury - Any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.
- Claim - Notice to an insurer that under the terms of a policy, a loss maybe covered.
- Claimant - The first or third party. That is any person who asserts right of recovery.
- Comprehensive (Auto) - Provides coverage for any direct and accidental loss of, or damage to, your covered automobile and its normal equipment, to include but not limited to fire, theft or malicious mischief.
- Deductible - The amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium.
- Depreciation -A decrease in value due to age, wear and tear, etc.
- Limit - Maximum amount a policy will pay either overall or under a particular coverage
- Peril - The cause of a possible loss. For example, fire, theft, or hail.
- Policy Limit - The maximum amount a policy will pay, either overall or under a particular coverage.
- Property Damage - Damage to another person's property. The purpose of liability insurance is to cover property damage to a third party resulting from the negligent or intentional acts of an insured.
- Replacement Cost - The cost to repair or replace an insured item. Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it. If you have personal property replacement cost coverage, your insurance will pay the full cost to repair an item or buy a new one once the repairs or purchases have been made.
- Replacement Value - The full cost to repair or replace the damaged property with no deduction for depreciation, subject to policy limits and contract provisions.