Making A Claim
What you do after an auto accident or a natural disaster can save you time, money and energy. Below are some of the most commonly-asked questions, and some answers that may not be “common knowledge.”
What should I do if I’m involved in a car accident?
First, stop your vehicle and move it to a safe place, out of traffic if at all possible, but don’t leave. Legally you are required to stop and remain at the scene of the accident. Check with passengers in all vehicles involved to determine if there are any injuries and call for medical assistance if needed.
Exchange information with the other driver(s) involved in the accident. You should exchange names, addresses, telephone numbers, type and ownership of vehicles, insurance information and a description of damages.
Get the names, addresses and telephone numbers of any witnesses. Call the police.
The police will advise you if their response to the scene is not necessary. Do not admit fault to anyone as there could be multiple factors contributing to an accident. Give factual details of your recollection of the accident and cooperate with the police in providing answers to their questions. If your vehicle needs to be towed, request that it be removed to a repair shop of your choice. As soon as possible, contact your PSC Connect broker to report the loss.
What should I do in the event of a homeowners or commercial property loss?
As soon as possible, contact your PSC Connect broker to report the loss. Make reasonable and necessary repairs to protect your property from further damage or loss. Keep a record of repair costs and retain receipts for any expenditures. If the loss involves theft or vandalism, notify the police immediately.
What should I do if there’s an accident at work, and a potential Health & Safety claim?
First, make sure the injured employee is comfortable. Do not move the employee if head, neck or back injuries are suspected. Make sure the injured employee receives professional medical attention. Complete the accident reporting form required. You should also contact your PSC Connect broker to report the accident and provide information concerning the employee and their injury.
I’ve reported my claim, now what should I do?
Do everything in your power to guard against follow-on damage to your property. Secure your property, by temporarily boarding windows and tacking down loose roof shingles. If possible, dry carpets and personal property, to prevent any further damage. If you don’t take preventative measures, and additional damage results, it may not be covered.
Is there anything I can do to help speed up the claims process?
An adjuster will contact you as soon as possible, but priority will be given to the most severe losses. Larger claims may be settled in stages, not all at once. While you wait for the adjuster to contact you, you should:
- Estimates. Get at least two, and preferably three repair estimates for the adjuster to review.
- Photos. Take photos of the damaged property and gather any pictures showing the property before the loss.
- Replacement Costs. List all damaged property, including each item’s description, age, original cost, place of purchase, and estimated replacement cost. Include any receipts or cancelled checks for these items.