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Personal
Auto Home
Commercial Auto
Property
Liability
Workers Comp
Move
out of the way of traffic and turn on your hazard warning
lights.
Call the police even in
a minor accident. If someone is injured, request medical
assistance. If fire is involved, request fire
department
aid.
Do not discuss the
accident with anyone other than the police or your
Insurance Company agent.
Exchange necessary
information with the other driver(s). Be sure to write down
the other driver's name, address, phone
number, license
plate number and insurance information. Also write down the
contact information of all witnesses.
Report the accident to
your Insurance Company as soon as possible.
Promptly report
the loss to your Insurance Company.
Protect property from further damage by
arranging for reasonable temporary repairs as soon as possible. For example,
if windows are broken, have them boarded up to protect your home and
property against vandalism or weather damage.
Keep an accurate record of all temporary
repair expenses (e.g., bills and/or material receipts) so that
you can add the
amount to your claim. Also, keep an accurate record of any and all
expenses incurred to be considered for possible reimbursement.
Please do
not make any permanent repairs until the insurance adjuster has had a
chance to review the damage.
Determine the damage to your personal
property (contents). Make a written list of what was damaged.
To be as accurate
as
possible, please include the manufacturer, brand name and the
place and date of purchase. We recommend beginning
this
process by dividing your list into broad categories such as
location (e.g., living room, bedroom #1, bedroom #2).
If available,
photographs, videotapes or personal property
inventories are valuable resources during the itemization process.
Separate damaged and undamaged property.
In order to complete a full assessment of the loss, your
Travelers claim
representative will need to
inspect all damaged property. If possible, place damaged items
in a secure area where they can
be inspected. If you are unsure
about any item, please include it with the damaged property.
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In case of a
commercial motor vehicle loss
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Take precautions
necessary to protect the scene of the accident from
further accidents.
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Call the police. If
someone is injured, request medical assistance. If
fire is involved, request fire department aid.
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Be courteous. Answer
police questions. Give identifying information to
the other party involved, but make no comments about
assuming responsibility.
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As soon as possible,
report the accident to the Claim Reporting Center
using the toll-free number provided.
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We hope this never
happens but...
If your business suffers
a building loss (fire, windstorm, etc.)
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Take emergency measures
to protect your property from further damage. Use
tarps to keep rain out, board up windows, etc.
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Save any bills/receipts
from emergency repairs.
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Don't throw away any
damaged items until you have talked to your claim
representative.
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There are three very
different types of General Liability claims. By
properly identifying the type of claim, our customer
service
representative will be
able to gather critical information relating to that
specific type of General Liability claim.
1) Product liability
claims
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Injury to a person or
damage to property (other than property owned by the
insured) that was caused by a product YOU
manufactured or distributed.
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Food poisoning
allegations stemming from a food product you
manufactured or distributed.
Save the product
involved for inspection.
Do not destroy.
2) Slip, trip or
fall claims
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A person (other than an
account employee) slips, trips or falls on property
you own or are responsible for.
Address any
hazardous situations immediately.
Document all facts regarding any incident.
3) Other liability
claims
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When an employee is
injured, the most important thing is to secure
appropriate medical treatment. Once this has been
done, the claim should be called into the
Insurance Company As soon as possible.
Look in
the Workers' Compensation
Policy Packet for
reference.
Worksheets are provided
for your convenience. It is not necessary to write
answers to questions you know. The worksheet is a tool
to help reduce the amount of time you are on the
telephone to report a claim.
Remember, the objective is to report the claim
quickly. We need the employee's name, social security
number and a description of the accident. Try to
gather as much information as possible, but don't
worry if you do not have the answers to each and every
question.
Call
the
Insurance Company's Claims
Department
The questions are grouped in
three sections:
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General Questions
This section contains questions specific to you,
your employee and the accident. These questions will
be asked on every claim.
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State-Specific
Questions
California
- State
Unemployment Insurance Account Number (UIAN)
- Date employee was
provided claim form
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Additional Comments
and Information
If you would like to provide additional information
not covered elsewhere, the customer service
representative will record this in a free form area.
Before you hang up, the
customer service representative will give you a claim
number. Using the claim number will help expedite
handling the rest of the claim. Please include the
claim number with all future correspondence, such as
wage statements or medical bills. Please be sure to
give this number to your employee.
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*The
above information was provided by Travelers Property &
Casualty Insurance
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