FAQs - Emergencies
Following are a series of frequently asked questions (FAQs) and answers
about emergencies or losses.
What should I do if I have a loss?
What to do in case of an auto accident?
What to do in case of a property claim?
Q: What should I do if I have a loss?
A. Property
- Report the loss to LHB Insurance as soon as possible, providing date of loss and description.
- Take photos or videotape of the damage.
- Keep records of your expenses for emergency or temporary repairs.
Separate the damaged items from the undamaged items. The insurance company
adjuster will want to inspect the damaged items, so don't dispose of
them without the adjuster's consent.
- Make a detailed list of all damaged or lost property, including when
and where they were purchased. If possible, provide the original receipts
for each item.
- Obtain estimates for repairs and/or replacement of the damaged or
missing items. Should the loss involve theft or vandalism, contact your
police department immediately.
Auto / Car
- When possible, report the accident to the presiding police department
and forward a copy of the report to LHB Insurance.
- Contact LHB Insurance, providing
date of accident and details surrounding the incident. Obtain a written
estimate for damages from the body shop of your choice.
- You will be contacted by your insurance company to make arrangements
for an inspection of your vehicle. No repairs should be made without
the insurance company's authorization.
General Liability
- Contact LHB Insurance, providing
date, time, description of incident, names and addresses of all injured
parties and/or owners of property damage. Also provide names and addresses
of any witnesses.
- Should you be served with suit papers or any other legal document,
forward them immediately to LHB Insurance.
Workers' Compensation
- Provide for immediate medical services as required by workers'
compensation law.
- Contact LHB Insurance for claim
reporting procedures. You will need to provide the date, address and
social security number of the employee, nature of the injury, etc.
- Upon notification of the claim, the insurance company will contact
you with further instructions.
- Note: If the claim involves a death, be sure to file OSHA reports
within eight hours.
Q: What to do in case of an auto accident?
A. If anyone is injured, immediately render any possible first aid assistance
and call emergency services.
Exchange name, address, and insurance information with the driver of
the other car. Record the following information: date, time, and place
of accident name and address of owner of the other car, if different from
driver driver's social security number and driver's license number names
and addresses of passengers and witnesses license number of the other
car and the cars of witnesses. Report the accident to the nearest police
station and file any necessary reports. Cooperate fully with the police,
but do not make any admissions about your liability. Don't sign any statements
for anyone other than an authorized representative of your insurance company.
Promptly report the claim to LHB Insurance. Note: If you plan
to travel by car in Canada or Mexico, check with LHB Insurance for
insurance requirements.
Q: What to Do in Case of a Property Claim?
A. If anyone is injured, immediately render any possible first aid assistance
and call emergency services. Take appropriate steps to avoid further damage
to the property. Promptly report
the claim to LHB Insurance.
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