RSS Industry News

  • Texas Companies Rack Up OSHA Penalties December 14, 2016
    Three Texas companies are facing federal penalties totaling more than $277,000 for failing to provide safe environments for their employees. The Occupational Safety and Health Administration has cited and fined CPE Feeds Inc. in Lubbock, JFM International Inc. in Willis and Subfloor Systems Inc. in Hurst for workplace hazards and safety violations. OSHA identified 22 […]
  • OSHA “NEW” Electronic Reporting Rule December 9, 2016
    OSHA can begin enforcing its rule restricting safety incentives and drug testing programs, a federal judge decided Nov. 28 ( TEXO ABC/AGC v. Perez , N.D. Tex., No. 16-1998, 11/28/16 ). OSHA has succeeded in defeating the temporary injunction on its new electronic recordkeeping rule that also addresses injury reporting and drug testing in the […]
  • OSHA’s 2016 Top Ten Violations November 22, 2016
    OSHA has released its initial list of the top ten safety and health violations for fiscal year 2016. Over the past five years, the same violations have made the list with only slight variations in the order. The final list will be released by OSHA at the end of 2016:1. Fall protection (Construction) – 1926.501 […]
  • Workplace Drug and Alcohol Testing November 1, 2016
    So....you developed a comprehensive drug and alcohol program, had HR look it over and even sent it to your attorney for review.  Are you meeting all compliance regulations?  Well, you thought you were until OSHA decided to change the game slightly.  OSHA, within its new electronic record keeping rule, has added language that targets company […]

RSS TCOR News

  • Who's Who in Energy December 8, 2016
    TCOR's very own was named to the San Antonio list of Who's Who in Energy for 2016/2017. The San Antonio Business Journal has released its 2016 compilation of "Who's Who in Energy." These heavy hitters are included in a joint special publication, included in the Nov. 25 issue, that includes energy industry leaders in four […]
  • TCOR's Shelle Butschek Selected to Leadership of New Braunfels Program November 7, 2016
    Congratulations to Shelle Butschek, TCOR Benefits Manager, for being selected to the Leadership of New Braunfels 25th group of business and civic leaders to go through the program.  Leadership New Braunfels is an eight-month series of one-day sessions covering areas such as government, education, economic development, social needs, leadership skills and other key segments of the […]
  • Rick Dudney of New Braunfels to Serve as Chair-Elect of the Independent Insurance Agents of Texas June 24, 2016
    AUSTIN, TX — The Independent Insurance Agents of Texas (IIAT) elected Rick Dudney, CIC, LRM, CRM, of TCOR Management in New Braunfels, to serve as chair-elect for 2016-2017 during IIAT’s 119th Annual Conference and Trade Show in San Antonio. With nearly 1,600 member agencies in 225 counties, IIAT is the largest association of independent insurance […]
    TCOR
  • Core Value Recognition January 13, 2016
    TCOR would like to recognize the individuals listed below for espousing the TCOR Core Value of Maintaining Competitive Advantage through Education and Innovation.  Each of these professional designations and licenses were obtained in December of 2015 & January of 2016:   
    TCOR

Report a Claim

Home/Risk Management/Report a Claim
Report a Claim 2017-03-15T13:00:36+00:00

We hope you never have a claim, but if you do, we are here to help. Although many companies have 24/7 claim centers, there are many advantages to calling our office to report your claim. Our specialists can advise you on the ramifications of filing your claim, and explain how the claims process works – eliminating frustrations which usually arise from the unknown.

Contact Information

Monday thru Friday (8a.m. to 5p.m.) e-mail/phone your claim questions to:

  • claims@tcormanagement.com
  • (830) 387-7038 ext. 1038

After-hours and over the weekend phone your claim questions to our after-hour service:

  • (830) 387-7048

Please complete the information and remember we are always here to answer your questions. We have provided useful information below which can help at the time of a claim, or hopefully help you prevent one. To view this information, click on one of the following links.

Each year more than 21 million motor vehicle accidents occur on our nation’s roadways according to the National Safety Council. Therefore, the odds of being in at least one accident in your lifetime is extremely high.

This information, prepared by the Independent Insurance Agents of America, contains  helpful tips so you know what to do if you are involved in one of these unfortunate incidents.

Stop! Do Not Leave The Scene

Call the police immediately to report any accident, no matter how small, which results in personal injury or vehicle damage.

Notify the police as to any medical assistance that may be needed or any vehicle that is not drivable.

Warn other motorists by turning on your vehicle’s flashers and setting up flares or other reflective devices starting 50 feet behind your vehicle. Signal for assistance by tying a handkerchief or anything white to the vehicle’s antenna.

Do not accept responsibility or otherwise discuss the accident with anyone except police authorities and your independent insurance agent. Do not accept any monetary settlement at the accident scene.

Remain calm and courteous.

Exchange Information With The Other Driver

Write down driver’s license number, license plate number, and state. Get the insurance company name and policy number plus make, model, year and description of vehicle. Lastly, record the name, address and telephone numbers of the driver.

Write down the name and address of all passengers, injured persons or anyone with property damage.

Get the name and contact information for at least two witnesses if possible. This is very
important when the fault of an accident is questionable.

Diagram The Accident Before Leaving The Scene

Note time of day, weather and condition of roadway (wet, icy, dry).

Show position of all vehicles before and after the accident–plus location of signs, streets and medians.

Note any apparent damage to not only your vehicle but all vehicles involved in the
accident.

Write down any details you feel are important

  • Date
  • Time
  • Location
  • Weather and Road Conditions
  • Emergency Phone Numbers
  • Police
  • Fire
  • Ambulance
  • Your Doctor
  • Your Independent Agent

A Final Note

After you have taken care of everything at the scene of the accident, immediately notify
Insuring America dot com Insurance Inc. Be sure to save copies of all documents relating
to the incident.

Every year millions of consumers file claims with their insurance agents and insurance companies. The trauma of an auto accident or theft is stressful enough without having to worry about your insurance claim.

The following information, prepared by the Independent Insurance Agents of America, is designed to help you understand the claims process. Your independent insurance agent will be there to ensure your claim is handled promptly and fairly.

Taking It To The Road

There are two basic types of claims. The first involves loss or damage to your automobile. The second type is a liability claim which arises when someone else suffers an injury or damage to their property because of something you did or did not do.

For example, if you run a stop sign and hit another vehicle, you could be liable for the damages to that vehicle and any injuries that may have occurred. Liability claims may result in a lawsuit against you. To cover these two key areas, most auto policies subdivide the coverage into the following categories:

  • Auto liability covers damage to other people’s property and injuries to the people.
  • Collision covers damage to your own vehicle.
  • “Other than Collision” or “Comprehensive” coverage pays to repair damage to your car caused by fire, theft, vandalism, natural disaster or similar events.
  • Medical payments, termed “good faith” coverage, guarantees immediate medical payments for you, your passengers and other parties involved in the accident, regardless of who is at fault. The point is to help someone who is injured get the necessary medical attention and deal with the issue of fault and insurance later.
  • Uninsured and underinsured motorists coverages protect you if you are injured in an accident with others who themselves do not carry enough insurance or have no liability insurance.

That’s It?

No. There are additional coverages such as towing and temporary replacement vehicles available for your auto insurance policy. In fact, just about any contingency can be covered by adding clauses and conditions known as endorsements or riders to a standard policy.

After An Accident

For several reasons, the first conversation you have should be with your independent insurance agent. Chances are your policy includes a stipulation that the insurance company be notified promptly. Conversations with others about the situation can inadvertently waive some of your rights in the case.

When The Time Comes

If you do suffer property damage or injury or incur liability, it is time to file a claim. You will be asked to fill out a claim form–the formal document on which you request benefits to be paid according to the terms of the policy. Be complete and supply as much detail as you can and, of course, be truthful. All this will help your adjuster do his or her job and therefore speed the process.

To support your claim, it may be necessary to supply the insurance company with some documentation such as a “proof of loss” form, auto repair and medical bills, and a copy of the police report.

Be sure to keep a copy of your claim and any associated paperwork for your records. You may need to refer to it in the future.

What Is A Deductible?

When you file a claim for property or loss, the payment made by the insurance company is subject to a deductible. Basically, when you purchase your insurance policy, you agree to pay the first specified amount of any damage as your share of the cost of repair or replacement. The insurance company adjusts its rates accordingly, charging less for those who agree to pay a larger first share–or deductible. For example, if your car should sustain damages costing $2,000 to repair and you have a deductible of $250, you would pay $250 and the insurance company would pay $1,750.

What Is A Claims Adjuster?

Once you have reported your claim to your agent, he or she will contact your insurer’s claims adjuster–usually within the hour. The adjuster will begin the settlement process, the length of which will depend on the cooperation of the other party, if any. While some claims are relatively easy and straightforward, others are more complicated.

Your adjuster is charged with investigating the claim and then making a recommendation to the insurance company. The recommendation can be to accept the claim and pay the full amount requested, accept part of the claim and make a partial payment, or refuse the claim and make no payment. The insurance company will then make a decision regarding your claim and notify you of its final decision.

A Final Note

The amount of compensation offered can vary according to the adjuster’s analysis of your  claim. Keep in mind, if you feel it is too low, you do not have to accept the first amount offered. While you may have to do some research to prove a higher payment is valid, it may be worth it.

Every year insurance companies pay more than $75 billion in claims resulting from losses suffered during fires, hurricanes, robberies, dog bites, falls and other incidents. The trauma of a burglary or severe damage to your home is stressful enough without having to worry about your insurance claim.

This following information, prepared by the Independent Insurance Agents of America (IIAA), is designed to help you understand the claims process. Your independent insurance agent will be there to ensure your claim is handled promptly and fairly.

Where Do I Start?

There are two basic types of claims. The first involves loss or damage to property such as your home or your possessions. The second type is a liability claim which arises when someone else suffers an injury or damage to their property because of something you did or did not do. For example, if someone falls while visiting at your home, you could be liable for any injuries that may have occurred. Liability claims may result in a lawsuit against you.

On The Home Front

If you own your home, chances are you have a homeowners insurance policy. Homeowners insurance covers damage to your property–structures and your possessions–within specified limits. This coverage extends to possessions that you carry for personal use when you travel. You usually have coverage for damage to both structure and personal property caused by:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Theft or vandalism
  • Falling objects
  • Weight of ice, snow or sleet
  • Freezing of a plumbing, heating air conditioning or other such household system.

If you should experience damage from an above listed caused, you can make temporary repairs (e.g., to the roof) to prevent further damage to your property. Remember to keep all receipts for the insurance company, and do not sign any deals with contractors or lawyers until you have spoken with your independent insurance agent.

Suitable Coverage

Unfortunately, there are other risks involved in everyday living besides loss or damage to your property. That old tree you kept meaning to remove may come crashing down during the next storm right on your neighbor’s garage. Or that pesky skateboarding teenager down the street may pick your sidewalk to have a spill and break a bone.

If you find yourself involved in a situation where you may be held liable, it is important to notify your independent insurance agent. You may talk to the skateboarder’s “nice” parents or with your neighbors, but leave the insurance discussion and negotiating up to the professional. For several reasons, the first conversation you have about the incident should be with your independent insurance agent.

Chances are your policy includes a stipulation that the insurance company be notified promptly. Plus, in chatting about the situation you can inadvertently waive some of your rights in the case. More importantly, by inviting the insurance company in early in the process, the company can sometimes offer an early settlement that avoids a lawsuit. After all, the insurance company has a team of experts–claims adjusters, appraisers, lawyers, and medical experts–who have probably been down this road before and know exactly how to get mutual satisfaction for both sides without straining neighborly relations.

That’s It?

No. There are additional coverages such as flood and earthquake damage for your home. In fact, just about any contingency can be covered by adding clauses and conditions known as endorsements or riders to a standard policy.

When The Time Comes

If you do suffer property damage or injury or incur liability, it is time to file a claim. You will be asked to fill out a claim form–the formal document on which you request benefits to be paid according to the terms of the policy. Be complete and supply as much detail as you can and, of course, be truthful.

To support your claim, it may be necessary to supply some documentation. Pictures of your tree atop the neighbor’s garage, details on the sofa, chairs and CD collection destroyed in the fire, and so forth. The better you document your property beforehand with pictures, receipts and other evidence, the more likely your claim will be processed smoothly.

Figuring Out The Costs

How much financial settlement the insurance company offers you of course varies with the situation. However, for property damage, it helps to know that there are two basic ways to value your property:

• Actual Cash Value–The replacement cost of the item minus depreciation. For example, a new television set may cost $500. If your 7-year-old TV set gets damaged in a fire, it might have depreciated 50%. Therefore, the televisions remaining value would be $250

• Replacement Coverage–The cost of replacing an item without deducting for depreciation. So today’s cost for a TV set with features similar to the 7-year-old one damaged by fire would determine the amount of compensation. If the similar new television costs $500, that would be the amount of your coverage.

You may want to check your policy to see which kind of coverage you currently have. For example, if you would prefer replacement coverage and do not have it, this coverage can be added to your policy for an increase in your premium of about 10% to 15%.

What is A Deductible?
When you file a claim for property or loss, the payment made by the insurance company is subject to a deductible. Basically, when you purchase your insurance policy, you agree to pay the first specified amount of any damage as your share of the cost of repair or replacement. The insurance company adjusts its rates accordingly, charging less for those who agree to pay a larger first share–or deductible. For example, if your home should sustain damages costing $2,000 to repair and you have a deductible of $250, you would pay $250 and the insurance company would pay $1,750.

What is A Claims Adjuster?

Once you have reported your claim to your agent, he or she will contact your insurer’s claims adjuster–usually within the hour. The adjuster will begin the settlement process, the length of which will depend on the cooperation of the other party, if any. While some claims are relatively easy and straightforward, others are more complicated.

Your adjuster is charged with investigating the claim and then making a recommendation  to the insurance company. The recommendation can be to accept the claim and pay the full amount requested, accept part of the claim and make a partial payment or refuse the claim and make no payment. The insurance company will then make a final decision regarding your claim and notify you.

A Final Note

The amount of compensation offered can vary according to the adjuster’s analysis of your claim. Keep in mind, if you feel it is too low, you do not have to accept the first amount offered. While you may have to do some research to prove a higher payment is valid, it may be worth it.

Important Claim Numbers

2043601279

(877) 262-2727

Report a claim online

1950867839

(877) 672-6115 – Contract or Large Commercial Bond Claim

(800) 331-6053 – Small Commercial Bond Claim

Report a claim online

777370880

Auto & Home: (800) 243-5860

Glass-Only Auto Claims: (800) 892-8484

Flood: (800) 787-5677

Report a claim online