Experiencing a loss to your property or worse yet, bodily injury or death is a very stressful time. It may be difficult to know what your next steps are after making sure everyone involved is okay or being treated by emergency responders. Here are a few tips to help guide you through a loss and claim process whether it is to property, auto, employees (Workers Compensation) or a liability claim.
Property Insurance ClaimsIn the event of damage to your building or contents, follow these steps:
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After we report the claim to the insurance company, the claims adjuster will do the following:
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Auto Insurance ClaimsIn the event of an automobile accident, follow these steps:
In the event of a windshield, vandalism or theft loss, follow these steps:
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After we report the claim to the insurance company, the claims adjuster will do the following:
You should not talk to others involved in the accident, but refer them to your claims adjuster. |
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Workers Compensation ClaimsIn the event an employee is injured on the job, follow these steps:
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After you report the claim to the insurance company, the claims adjuster will do the following:
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Liability Insurance ClaimsIn the event of injuries or damage to property of others which you allegedly caused, follow these steps:
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After we report the claim to the insurance company, the claims adjuster will:
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The insurance claim process can be difficult and complex with so many elements involved. Even if you are mindful and diligent, it can be easy to overlook some of the important details that impact the management and overall success of your claim. Be sure to watch out for potential red flags throughout the process including:
Ultimately, you want to be sure that the premium dollars you've paid will respond how they should under the contract of the insurance policy. If you have any questions along the way, you should contact your agent for guidance and have honest, pen communication with the claims adjuster.
The Top O' Michigan Insurance team is here to serve you. This service includes assisting you in the event of a claim. If a loss occurs, please follow the steps highlighted in this guide.
Your insurance contract requires that you report all claims promptly. Therefore, contact us as soon as possible after a property, liability, workers’ compensation or automobile claim. We will report your claim to the insurance company. An insurance company claims adjuster will be assigned to handle your claim. You should then be able to deal directly with the adjuster to settle your claim.
We also work directly with our claims department to analyze the policy language to find coverage when it should apply. So don't assume a claim denial or a lesser payment is automatically correct. If you encounter any unusual delays or problems in the handling of your claim, please contact us at 800-686-8664 or ClientService@TOMIA247.com.
We appreciate your business and are here to assist you.
Want to stay up to date on the latest community and insurance news? You can find more on important topics on our blog.
About Top O' Michigan Insurance Solutions:
At Top O’ Michigan Insurance Solutions, we pride ourselves on using our skills to provide clients with competitive pricing, stability and understanding, and peace of mind. With eight locations throughout Michigan and 24/7 client access, our team is your 'expert buyer' of insurance for home, auto, farm, boat, motorcycle, business owners, workers compensation, bonds, life and health, employee benefits and more.
We will provide unparalleled and caring service to our clients through our knowledgeable staff and give back to our employees, agency, industry and our communities. Part of our mission is to give back to the Michigan communities we serve. This is something we take action on through We Care and you can learn more about our community outreach at TOMIA247.com/WeCare.
Disclaimer: This Blog/Web Site does not provide insurance or legal advice. This site is for educational purposes only as well as to provide you with general information and a general understanding of insurance, not to provide specific legal advice or specific contract advice. Viewing this site, receipt of information contained on this site, or the transmission of information from or to this site does not constitute a client relationship.
The information on this Blog/Web Site is not intended to be a substitute for professional insurance or legal advice. Always seek the advice of a licensed agent in your state pertaining to insurance and legal issues.
Author: Tyler Bartosh
Sources: BizJournals.com; Zywave, Inc
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