How do I file an auto or homeowners claim?
Filing your claim is a seven-step procedure:

1. Report burglaries, thefts, or any other crime to the police.
2. Telephone your insurance agency and formerly report the loss. You'll receive any additional information you need at this time.
3. Take any steps necessary to prevent further damage. For example, repair any windows broken during a burglary. Save your receipts so that you can submit them to the insurance company for reimbursement.
4. Take an accurate inventory of all lost property.
5. Save receipts for living expenses if you must make temporary living arrangements while damage is being repaired.
6. Obtain claims forms. Once received, complete and return them as soon as possible as this greatly helps in speeding things along.
7. If the insurance company assigns an adjustor, make sure that they inspect all damage and that you provide them all info that you are aware of regarding the cause of the claim.

Who do I call to report a claim?
Dial 800-639-1855, option 1

Can I get a copy of the Vermont state auto accident form on-line?
Yes, at dmv.vermont.gov/

What do I do if my car is hit in a parking lot but the other car did not stop or leave a phone number?
File a police report for hit and run and call our claims department.

Do I have coverage if my car is hit with a shopping cart?
Yes, under your collision (if you have purchased that coverage).

Do I pay my deductible once per year on my homeowners, auto or commercial insurance?
No, your deductible applies per claim not per policy period.

Do I have a deductible if I get a chip in my windshield?
No, the deductible is waived for glass repairs under comprehensive coverage.

If my car breaks down for mechanical failure, does my insurance pay for a rental car?
No, rental coverage applies due to a covered claim not mechanical failure.

If someone else is at fault for my accident, should I call my agent?
Yes, we are here to assist you.

Can I get a Vermont's "Employee First Report of Injury" online for a workers compensation injury?
Yes, at www.state.vt.us/labind/wcomp/wcforms.htm