Report A Claim

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What To Do In The Event Of A Claim

Property Claims

In the event of damage to your building or contents:

  1. Protect the property from further damage:
    1. Call the proper authorities and utilities (gas, electric, telephone).
    2. Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.
  2. Call Andres O’Neil & Lowe Insurance Agency to report the loss.
  3. Call a contractor to estimate the building damages.
  4. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.
  5. Keep records of expenses if you are forced to temporarily relocate your business.
  6. Do not authorize repairs until the claims adjuster has given you the authority to do so.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you by phone or mail to discuss the loss
  2. Arrange for an appraiser to inspect extensively damaged property
  3. Assist you with your choice of contractors to make the repairs
  4. Contact you for a settlement

Auto Claims

In the event of an automobile accident:

  1. Report the accident to the police.
  2. Obtain information about the other people involved in the accident such as:
    1. Names, addresses and phone numbers
    2. Insurance company
    3. Type of vehicle
    4. Auto and driver’s license numbers.
  3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.
  4. Call us to report the accident.

In the event of a windshield, vandalism or theft loss:

  1. Report the vandalism loss or theft to the police.
  2. Call us to report a loss.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to request details of the accident and repair estimates
  2. Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged
  3. Contact you for a settlement
  4. Deal directly with the others involved in the accident

You should not talk to others involved in the accident, but refer them to your claims adjuster.

Workers Compensation Claims

In the event an employee is injured on the job:

  1. Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
  2. Forward a copy of the First Report to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.
  3. Contact the insurance company to question the status of a claim. If you experience delays or have questions, please contact us for assistance.

After you report the claim to the insurance company, the claims adjuster will:

  1. Contact the injured employee to discuss the accident
  2. Request copies of bills and doctors’ reports for medical treatment administered
  3. Contact you, the employer, if there is any lost time from work as a result of the injury

Liability Claims

In the event of injuries or damage to property of others which you allegedly caused:

  1. Call us to report the claim.
  2. Forward any correspondence, including a summons from an attorney representing the other party.
  3. Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or to us.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to discuss the incident that allegedly caused the injury or damage to the property
  2. Deal directly with the other party and/or attorney to handle the claim

“Employee benefits are a strong factor in attracting quality employees in a competitive market. We have come to rely on and trust Andres O’Neil and Lowe’s Employee Benefit Specialists to help us navigate the ever changing world of employee benefits. From insurance enrollments to ACA compliance and everything in between this group of outstanding individuals are here for us, always ready to offer a helping hand and relieve some of the burden. They are thorough, reliable, and professional in all that they do. Always looking out for the best interest of the company and our employees that make us who we are. We are very thankful to have them come along side us as our brokers and our friends.”

Shelley Nighswander, CFO, A&P Tool Inc.

Helpful After Hours Claim Contacts

Auto Owners
800-232-2886

Central Insurance
800-736-7000

Cincinnati Insurance
877-242-2544

EMC
800-732-5595

Hastings Mutual
800-442-8277

Progressive
877-776-2436

United Fire Group
800-343-9131

Utica National
800-216-1420

West Bend Mutual
877-922-5246