24/7 Support and Insurance Resources
Insurance isn’t always clear, especially when it comes to complex policies that match your busy lifestyle. We have addressed many of the common questions our team has received from the last century below. If you don’t see the answer you’re looking for, we encourage you to send us a message.
If you need immediate assistance regarding a claim report, you can contact the insurance company directly by calling the phone numbers listed below.
AAA – 1 (800) 222-6424
Auto Owners – 1 (888) 252-4626
Foremost – 1 (800) 527-3907
Fremont – 1 (800) 550-0325
Grange – 1 (800) 455-3030
Hagerty – 1 (800) 922-4050
Progressive – 1 (800) 925-2886
Pay Your Bill
File A Claim
Auto Accident Checklist
1. Gather Information
Obtain the name of the other driver and license number of the other vehicle. In the event of personal injury, obtain the names and addresses of individuals involved and witnesses.
2. Do Not Discuss Details
Do not discuss the details of the accident with anyone but the investigating police officer.
3. Contact Your Insurance
Report your claim to your Insurance Provider Claim Office.
Insurance Claim Process
You will be contacted by a catastrophe adjuster to set an appointment for your inspection of your claim.
The adjuster will determine the scope of necessary repairs to be able to prepare an estimate for the covered damages. If you have a contractor, please ask they be present for this inspection.
3. Estimate of Damages
The catastrophe adjuster completes their file by writing an estimate for the covered damages and submitting the file to their own internal quality control department.
4. Review by Insurance Company
One the file is approved by the catastrophe company; it is released to the insurance company for approval.
5. Payment Issued
Reimbursement for repair or replacement of your damages may be made in two or more payments.
You will receive a copy of the estimate of damages which details all of the following payments:
1st Payment: Actual Cash Value (ACV)
ACV is the cost to either replace an item with like kind and quality, less depreciation or repair an item, less depreciation. Depreciation is a decrease in the value of that item due to its age and condition.
6. Repairing your Property
Contact a contractor of your choice and provide them a copy of the estimate. Review the estimate with them to ensure that the scope of damages and repair process is completely understood. If there is a cost difference, contact us immediately. Once the repairs are completed, you may be eligible for the following:
2nd Payment: Replacement Cost (RC)
If your policy has replacement cost coverage, you may be entitled up to the full amount shown on the estimate you received with your first payment. To receive this payment, you will need to submit the following to the insurance company’s claims branch to review for proof of completion.
An itemized invoice, photos of repaired property and any other documentation we further request. We reserve the right to inspect the repaired property.
Once the review process is complete, we will reimburse you the depreciation that was withheld, or the actual cost of repairs less the deductible and initial payment, whichever is less.
Insurance Coverage Made Simple
Whether you’re looking to find insurance coverage for your auto, home, business, motorcycle, recreational vehicle or more, we will guide you to the coverages that fit your needs. Our team will work hard to provide you above-and-beyond service and a great experience to ensure you have the best coverage available at the best possible price.