Claims FAQs

Will a claim affect my insurance premium?

Depending on the situation surrounding your claim, your premium may be affected.

For example, a claim for theft, vandalism, fire, or broken glass will not typically affect your renewal premium. However, if you experience more than one such loss, your eligibility for claims-free discounts may be affected or you may be subject to a surcharge or increased deductible. In cases where the frequency of claims is unusually high, coverage may be discontinued.

If you are the victim of a hit and run accident that has been reported to the police, a collision claim will not typically affect your renewal premium unless it is combined with other claims, as noted above. A hit and run by itself will not affect your renewal premium.

A claim for accident benefits will not affect your renewal premium.

If you are at-fault in a motor vehicle accident, your premium will be affected unless you are eligible for our first accident forgiveness. Learn about first accident forgiveness.

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What is "betterment" and why do I have to pay this?

When an insurer is paying for a vehicle to be repaired, the shop will replace damaged parts with those of the same vintage as the vehicle. For example, the damaged bumper of a 1994 vehicle would be replaced with a 1994 bumper. If new parts are used, the value of the car may be increased. In such a case an amount will be calculated, known as "betterment," which represents the increase in value, and you may be asked to contribute to the cost of the repairs.

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Do I need to have photos or receipts for all major items in my home?

In the event of a loss, you will be asked to supply a list of your possessions and a record of their value. Original sales receipts for major items are the best way to show ownership and the cost of these items. Taking photos of your personal belongings in your home is also helpful and can speed up the time it takes to settle your claim. Service or maintenance records can also be helpful.

It is often difficult to remember all of the details of your personal belongings, therefore we suggest that you take a video or photograph your belongings and keep a detailed inventory list. This information should be kept in another location, such as a safe deposit box, to ensure it is available in the event of a loss.

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