P&C insurance claims process
Find out what an insurance claim is and how to properly submit a personal auto or home insurance claim with RH Insurance.
Morgan Roberts, Director of Sales - RH Insurance
If you ever been involved in a car accident, had your vehicle vandalized or stolen, or have dealt with damage to your property due to a storm, chances are you've submitted a claim to your insurer.
An insurance claim starts as a request for compensation by a policyholder to an insurance company for a covered loss or policy event. It is then up to the insurance company to investigate the issue that resulted in the claim in order to determine if it is a valid (i.e. approve) or invalid (i.e. deny) claim. If it is approved, the insurance company will issue payment to the policyholder or an approved third-party interest.
Property & casualty insurance claims cover everything from your vehicle, personal property and contents, to even medical bills.
It's always important to remember that when you submit a claim for your auto or home they can result in immediate rate increases, unless you have a claims protector or accident forgiveness endorsement on your policy.
Have a question about a claim?
If you need to submit a claim and are unsure about exactly what you need to do, feel free to call us at 1.888.616.1868
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In the event that you need to report a claim, RH Insurance is there to help you throughout the entire process. As a broker we are on your side.
If you have a claim, please get in touch with us as soon as possible. We always advise speaking to your broker before submitting a claim. If the claim is an emergency or happens after hours and needs immediate assistance your insurance company is available 24 hours a day.
24 Hour Insurance Company Emergency Numbers
|Insurance Company||Emergency Contact Number|
|Burns & Wilcox||1.855.801.0296|
Did you know?
If you are involved in an accident, it is your insurance company who determines wether or not you are at fault, and not the police. Your insurer will always have the final say when it comes to fault and this determination directly impacts your claim.
If you are involved in an auto collision you must report the accident within twenty four (24) hours to a Collision Reporting Center. When you arrive a police officer will inspect your vehicle for damage. Any driver involved in a collision where damage to each vehicle is more than $1,000 must report the collision to a Collision Reporting Center.
How to prepare yourself before visiting the Collision Reporting Center
- Exchange all information with the other parties involved in the incident, including any witnesses. Make sure to get their names, address, phone numbers and insurance information.
- Write down or document exactly what happened while the details are still fresh.
- If possible, take pictures of all cars involved to document the damage.
- Bring your vehicle to the Collision Reporting Center within twenty four hours.
- Make sure to bring your documentation with you - driver’s license, ownership, insurance and any pictures.
Remember to contact your insurance company about the incident with your vehicle if you wish to submit a claim. They will want to know exactly what happened, along with the information of all parties involved.
Step 1: Contact our brokers
Start by calling 1-888-616-1868 to speak with one of our experienced insurance brokers
Step 2: Share some info
Tell us a bit about yourself, what your hoping to insure, and the amount of coverage you'll require
Step 3: Finalize your policy
Compare quotes and select the best rate - we'll do the rest to ensure you get the protection you need
In the event of a property claim, try not to panic. Assess the situation and react accordingly. For example:
- If there is water in the basement, turn off the water, call a plumber and then call your insurance broker. Make sure to keep all receipts.
- If there is a fire, have you and your family leave right away and get to a safe place. Call 911 and then call your insurance broker.
- If there is burglary, call the police to make sure no one is still in the home. Take pictures and make a list of everything that is missing/broken/vandalized. Call your insurance broker to discuss if it's worthwhile to make a claim.
- If there is damage to your house caused by a storm or any type of weather, make minor repairs to minimize any further damage if possible; i.e. if a window breaks and water is coming into the house then board up the window. Keep receipts for any material you purchase. If there is major damage to the house go to a safe place and call your insurance broker or the insurance companies 24 Hour Emergency Claims number.
As you can see it's important to take the necessary steps to ensure you, your family and sometimes even your property are safe first and foremost. Once you are safe, the important secondary step is to always call your insurer to begin the claims process and to discuss the expected next steps.