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) 387-7019
After-hours and over the weekend phone your claim questions to our after-hour service:
- (830) 387-7048
Please provide as complete of information as possible and remember we are always here to answer your questions. We also 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.
- 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.
- 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.
- 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
(800) 421-3535 – Report a claim online
(800) 255-7828 – Report a claim online
(800) 362-0000 – Report a claim online
(800) 375-2075 – Report a claim online
(877) 242-2544 – Contact Us Page
(877) 262-2727 – Report a claim online
(877) 672-6115 – Contract or Large Commercial Bond Claim (800) 331-6053 – Small Commercial Bond Claim – Report a claim online
(888) 473-6256 – Report a claim online
(800) 274-4499 Report a claim online
(800) 332-3226 Report a claim online
Auto & Home: (800) 243-5860 Glass-Only Auto Claims: (800) 892-8484 Flood: (800) 787-5677 Report a claim online
(800) 238.6225 – Report a claim online
(800) 788-8247 Report a claim online
(800) 444-0049 Online claims information
(800) 987-3373 Report a claim online