INSURANCE CLAIM INFORMATION
In the event of a claim, we will assist you in the management of the claims process and work with you and the insurance carrier to make sure your covered claims are properly handled in a timely manner. We assist you until your claim is complete and closed.
You may contact a contractor of your choice for emergency repairs or call our office for resources.
IN THE EVENT OF A CLAIM:
All claims should be reported as soon as possible either directly to the carrier or to our office. You may report a claim directly to our office at 586-977-6300 between 8:15 AM and 4:45 PM (Eastern Time), Monday through Friday.
If you need to report a claim after hours, please call the carrier directly.
Be sure to report any burglary or theft to the police and obtain the police report number.
AUTO INSURANCE CLAIMS
Collect the names/addresses of all drivers and passengers involved in the accident along with the names and contact information of any witnesses and police personnel on the scene.
Make temporary repairs and take all other steps necessary to protect your property from further damage. Do not throw out damaged property until the company adjuster has an opportunity to inspect the damage.
Outside of business hours, please contact the insurance carrier directly regarding claims.
NO MATTER WHERE YOU ARE IN LIFE, PROTECT YOUR FUTURE
We have all said it “I need life insurance or I need more life insurance” but we have not taken the time to do it or we depend on what we get from work. If you have financial dependents, the peace of mind that comes from knowing your loved ones will be taken care of is invaluable. The purpose of life insurance is to cover some or all of the loss of income that results if you pass away.
While it is assumed that families and those considering starting a family are the only ones who need life insurance, that isn’t always the case. Young single adults supporting an elderly parent and elderly adults with no other means to pay funeral expenses may want to consider life insurance as well. What’s usually overlooked is that young people who just got married and are starting their life together by buying a house, have a tendency to believe that they can overlook their need for life insurance. This is a big misconception because at this time in their life the death of one of the partners usually means a huge drop in income while having been at the point in their life of having big liabilities.
Business partners who need to know that the company will continue to run with the passing one or the other can use Life Insurance as part of their buy-sell agreement.
There are different types of life insurance: universal, variable universal, whole life, and term life. With all of the choices, you may have all us as your agent.