What to Do If You Have a Claim

I’ve been in an accident — what now?

Start by reporting your claim to your insurance carrier. They need to know:

  • When and where the accident occurred
  • How the accident happened
  • The kind of vehicle or vehicles involved (including the year, make, and model)
  • A description of the damage on each vehicle
  • The names and contact information of people involved in the accident
  • The extent of any injuries to people involved in the accident
  • The names and contact information of anyone who witnessed the accident
  • The name of the law enforcement agency that responded and the police report number (if police were contacted). We recommend calling in a police report once you are in a safe location within that municipality.

 

I have damage to my business — what now?

Call your insurance carrier and let them know:

  • When the incident occurred
  • A general description of what happened
  • The location of the damaged property and what was damaged
  • The condition of the business
  • If temporary repairs are needed
  • If the fire or police department was contacted, which department responded and a report number
  • Your contact information and the best time to reach you

 

Do I need to protect my property from further damage?

Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.

  • Arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris.
  • Keep a list of any temporary repairs you make to document the damage, and save your receipts.
  • If possible, place damaged items in a secure area where they can be inspected. If you are unsure about an item, include it with the damaged property.
  • If you have fire or smoke damage, do not try to clean the damaged items. Sometimes cleaning things without the proper equipment can cause more damage.

When you have a claim, give us a call at MedInsure Group so we can let you know what to expect.