What do I do if I have an insurance claim?

If you find yourself in a situation where you need to file a claim, don't worry, we're here to assist you every step of the way!

Accidents are an unfortunate reality of life. If you find yourself in a situation where you need to file a claim, no need to panic. We're here to assist you every step of the way! It's important to note that not all accidents will require filing a claim, so if you're unsure, reach out to your insurance advisor for guidance. They'll provide you with expert advice tailored to your specific situation.

Car Accident Insurance Claim:

• Check for injuries. Your first priority should always be ensuring that your passengers and anyone else involved in the accident are safe.
• Call 911 and report the accident. Request medical help if it’s needed.
• Collect the following information from the scene of the accident: names, addresses, and phone numbers of any injured parties PLUS the owners of any damaged property and witnesses. You’ll also want to grab the make, model, license number and insurance company for all involved vehicles.
• Take pictures which capture the location and scene of the accident and any damages.
• Contact your insurance agent to report the loss.

Home Insurance Claim:

• The most important thing is that you stay safe. Do not enter the home if it is not safe to do so. Everyone should evacuate the home if it is unsafe.
• Call the police and immediately report any theft or vandelism.
• If needed, call your utility companies right away to report leaking gas or downed power lines. If you can safely do so, shut off your water, electricity and/or gas supply.
• Take tons of pictures of the damage.
• Contact your insurance agent to start the claims process started.
• Help prevent any addtional damage (if it is safe to do so). This could include covering a damaged roof or salvaging valuables from water damage.
• Be sure to save your receipts so your insurance company can reimubrse you (if approved). 

Will filing a claim increase my insurance?

Whether or not your insurance increases after filing a claim depends on a couple of things:

1. Your insurance carrier
2. The circumstances surrounding the accident
3. Who was at fault in the accident
4. Your accident and claims history

It's clear that there are numerous factors at play when you find yourself in an accident. That's why it's crucial to make your insurance advisor your first point of contact before filing a claim. They possess the expertise to lead you through the best course of action based on your unique circumstances.

Have more questions about claims? Give us a call at (610) 590-0152.

A little more about Blue Marsh Insurance...

When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.

As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

If you’re interested in starting a quote online or having us take a look at your current policies, click here!