What is the claims process?

We hope that you never have to report a claim, but if the time ever does come, we want you to know how to proceed. Each small step has an important purpose, so we have listed them here with explanations:

1. Contact the insurer by email. If an incident occurs, contact the insurer immediately, or as soon as possible, so that the information about the incident is still fresh in your mind. Witness statements also will be more accurate the sooner they are written. Include your Policy Number and Certificate Number, and if possible include a copy of your proof of insurance (found in your account center). The insurer's claims contact information can be found in the Members-only Section under "Claims".
   **If your policy was purchased before June 2017, please contact us for claims contact information.
2. Insurer will determine what type of claim you have. They will reply to your email to ask you some questions to identify what type of claim you have.
3. Insurer will send you a claim form. Once they have determined the type of claim you have, they will send you a claim form specific to your type of claim.
4. Complete the form as thoroughly as possible. Make sure to include the who, what, when, where, and why with as much detail as you can remember. The more information they have about the incident, the faster your claim can be processed.
5. Send the completed form back to the insurer. This can be done by email or mail.
6. Insurer will assign a claims adjuster to your claim. Once they have received the claim form, the insurer submits it to a claims adjuster who will be your point of contact for your claim.
7. The adjuster will typically reach out to you within 24 hours. The adjuster will send you an email stating that they have received the claim form and that they will begin looking into the details for you.
8. Adjuster decides if the claim will be approved or declined. The adjuster, at this point, decides if the claim falls within the bounds of the policy and will make a decision on what payments are appropriate.
9. Adjuster lets you know the outcome of your claim. When a decision has been made about approval or denial of the claim, you will be contacted with the results. If the claim is denied, the adjuster will provide specific policy provisions that explain why the claim was denied.

Steps 1-6 can take place within a matter of a few minutes. Once the adjuster has taken control of the claim, it could take anywhere from one day to a few weeks to complete the process, depending on the severity of the incident. If you have more questions about the claims process, give us a call, and we will assist you.