When an auto accident occurs, report to the police through 911. Notify the operator of any injury that may require medical assistance.
Obtain the: name, address, phone number, license plate number, make, and model of the other vehicle and the insurance particulars (insurer name and policy number) of all drivers involved in the accident. You may provide them with the same information about you, your vehicle, and your policy. The police may give you an accident report. The officer’s name and badge number will be on the form, as well as the occurrence number. Your adjuster will need that number.
If there are no injuries to anyone involved in the accident, you may be asked to go to the nearest Accident Reporting Center in the municipality where the accident occurred. Take the information you gathered about the other vehicle(s) and driver(s) with you.
If your vehicle is not driveable, do not allow any towing company that has not been authorized by the police to take your vehicle.
If your vehicle needs to be towed, make sure you know the name of the towing company, their phone number, and where they are located. Also, inquire about where, specifically, your vehicle is being towed, as the drop-off point may not be the same address as the towing company.
Next, have the information outlined above readily available and call the Howard Mutual Claims Department. If your accident occurs on a weekend or after-hours, the after-hours claims service will take your information and it will be forwarded to the Claims Department. A claims adjuster will be assigned and will contact you to discuss your claim and to provide direction on the next business day.
All claims employees will follow the applicable laws and policy wordings to adjust claims in a manner which is in the best interest of the consumer.
We value the elements of professionalism, fairness, promptness, and courtesy in the claims service process. They form the core of our commitment to provide the ultimate delivery of the insurance product: the equitable settlement of all claims.