Claims

What to do in the case of a claim

AUTO ACCIDENTS 

Most of us believe we are safe drivers. But you can be involved in a traffic accident whether it is a minor fender bender or a serious accident. Then what? To help you through this situation, we have prepared the following information:

  1. Stop Immediately!
    1. Report the accident to the police and call medical assistance if needed.
      1. Whitewater Police Department: 262-473-0555
      2. Rescue Squad: 911
      3. Walworth County Sheriff: 262-741-4400
      4. Jefferson County Sheriff: 920-674-7310
      5. Rock County Sheriff: 608-757-8000
  2. Keep a safe distance from traffic and roadways
    1. In order to remain safe, you will likely want to move away from the vehicles and take reasonable steps to warn other motorists of potential hazards.
  3. The information you will want to obtain includes:
    1. Name, current address, and telephone contact information for the driver of the other vehicle. If the driver of the other vehicle is not the owner of the vehicle, you will also want to obtain the same information for the vehicle owner.
    2. Insurance information for the owner and driver of the other vehicle. It may be helpful for you to simply ask to view the other person’s Insurance Identification Card. Please document their insurance company, policy number, and insurance agency.
    3. Name, current address, and telephone contact information for any passengers in the other vehicle.
    4. Name, current address, and telephone contact information for any witnesses to the accident.
    5. The license plate number along with the make, model, and color of the other vehicle may be beneficial.
  4. Take pictures of the damage
    1. Take as many pictures as possible, and sketch a diagram of the accident.
  5. Disclose all relevant information to the investigating officer
    1. Do not accept fault for the accident. Only discuss the facts of the accident with the police or a representative of your insurance company. Typically, it is not recommended to discuss the details of the accident with the other involved party.
  6. Report the accident to us as soon as possible
    1. You can contact the Whitewater office at (262) 473-7334, or the Palmyra office at (262) 495-2118. Fender benders can usually wait for our normal business hours. If you have a serious accident after hours, you can contact your insurance company directly:
      1. Acuity – (800) 242-7666
      2. Hastings Mutual – (800) 442-8277
      3. Wadena – (800) 274-3531
      4. 1st Auto & Casualty – (800) 261-2886
      5. Progressive – (800) 776-4737

***Print this information and place in each glove compartment***

PROPERTY DAMAGE CLAIMS (ie. fire, wind, theft, etc.):

Severe storms and other unexpected events that cause damage to your home or business are always stressful. It is extremely important to remain calm so you respond appropriately:

  1. Contact the appropriate authorities as soon as possible
    1. If anyone has sustained a serious injury requiring medical assistance, you need to call 9-1-1 and request emergency medical responders right away.
      1. Whitewater Fire Department: 262-473-0555
      2. Whitewater Police Department: 262-473-0555
      3. Walworth County Sheriff: 262-741-4400
      4. Jefferson County Sheriff: 920-674-7310
      5. Rock County Sheriff: 608-757-8000
  2. Stay at least 10 feet away from any downed power line
    1. Never assume a downed power line is safe to approach. Secure the area around the downed power line so others are kept a safe distance away. Contact your local power company as soon as possible to alert them of the situation.
  3. Do you detect the smell associated with a natural gas leak?
    1. If you detect the smell associated with a natural gas leak, get yourself and everyone else away from the premises as quickly as possible. Although natural gas does not have any odor, a distinctive smell similar to rotten eggs is added to help with the detection of a leak. Contact your natural gas provider as soon as possible to alert them of the situation.
  4. Check for broken water pipes
    1. If there are any broken water pipes, make sure the damaged supply line is shut off as quickly as possible. All properties have a main shut off valve and most have additional shut off valves for other sections of the home or business. If a pipe bursts, even a two minute delay can result in an additional thirty gallons of water spilled. Thirty gallons of water is similar to the amount of water in a full bathtub.
  5. Take all reasonable measures to protect the property from further damage
    1. This may include covering holes in the roof, walls, doors and windows with plastic or boards or extracting water. Be careful not to risk your own safety in making these temporary repairs. Beware of contractors encouraging you to spend too much money on temporary repairs.
  6. Retain all receipts associated with the loss
    1. Do not discard any receipts associated with the loss such as those associated with temporary repairs and additional living expenses. Do not discard any damaged property or begin permanent repairs without prior approval from your claims representative.
  7. Report the incident to us as soon as possible
    1. You can contact the Whitewater office at (262) 473-7334, or the Palmyra office at (262) 495-2118. Fender benders can usually wait for our normal business hours. If you have a serious accident after hours, you can contact your insurance company directly:
      1. Acuity – (800) 242-7666
      2. Hastings Mutual – (800) 442-8277
      3. Helenville Mutual – (920) 674-5188
      4. Forward Mutual – (800) 924-2297
      5. IMT – (800) 274-3531
      6. Sugar Creek Mutual – (262) 723-3244