Auto Claims
Move to safety, exchange information, photograph the scene, and report the loss to the carrier.
Contact HIA →
Guidance when something happens
Claims and Policy Help
Know what to do after a loss, how to reach the carrier, what information to collect, and which claim decisions must come from the insurance company.
Start With Safety, Then Document the Loss
Call emergency services when needed. Take reasonable steps to prevent additional damage without putting anyone at risk. Report the loss promptly and keep copies of photos, receipts, reports, and carrier communications.
Home & Property Claims
Protect the property from further damage, photograph conditions, and keep emergency repair receipts.
Get guidance →Business Claims
Document damaged property, affected operations, witnesses, contracts, and time-sensitive business needs.
Request help →Claim Documentation
Collect policy information, dates, locations, photos, police or incident reports, and contact details.
Review checklist →Carrier Claim Contacts
The insurance carrier assigns the claim number, adjuster, coverage review, and settlement process.
Find next steps →Policy Service Help
For policy changes, ID cards, billing, documents, or renewals, use the Client Service Center.
Open service center →Four Practical Claim Steps
The exact process varies by carrier and type of loss, but these steps help preserve useful information.
Protect People & Property
Address emergencies first and take reasonable action to prevent additional damage.
Document What Happened
Record the date, location, people involved, damage, photos, reports, and receipts.
Report to the Carrier
Use the carrier claim number or portal and save the assigned claim number.
Follow the Adjuster
Respond to document requests and ask the carrier to explain next steps and deadlines.
Claim Checklist
- Policyholder and policy number
- Date, time, and location of loss
- Photos or video of damage
- Names and contact information
- Police, fire, or incident report
- Receipts for emergency mitigation
- Carrier claim number and adjuster contact
Who Makes the Final Decision?
- The carrier confirms whether coverage applies
- The adjuster evaluates documented damage
- Deductibles and limits follow the policy contract
- The carrier determines claim payment and settlement
- Repairs should follow carrier instructions when required
- HIA can help with communication and general process guidance
Important: HIA does not determine claim coverage or settlement amounts. Those decisions are made by the insurance carrier under the issued policy.
Claims Help Questions
Should I file a claim for every loss?
Consider safety, damage, your deductible, and carrier reporting requirements. A licensed agent can provide general guidance, but only the carrier can decide coverage.
Can repairs begin before the adjuster sees the damage?
Take steps needed to prevent additional damage, but keep photos and receipts. Ask the carrier before permanent repairs when possible.
Will a claim change my premium?
Claim impact depends on state law, carrier rules, claim type, fault, severity, and underwriting. The carrier determines future rating.
What if another driver caused the accident?
Exchange information, document the scene, obtain a report when appropriate, and notify the applicable carrier promptly.
Can HIA speak to the adjuster for me?
HIA can help you locate contacts and clarify the process, but the carrier and adjuster control coverage and settlement decisions.
Need Help Finding the Right Claim Contact?
HIA can help identify your carrier and the appropriate next step. For emergencies, call emergency services first.
Customer experiences
What HIA Customers Say
Find HIA on Trustpilot
Read or share feedback about your experience with Hancy’s Insurance Agency on our Trustpilot profile.
Customer reviews from Google
The testimonials below were shared on Google. Visit Trustpilot above to view or add feedback on that platform.
★★★★★
“Fast and easy”
Ty BAKER
Google review
★★★★★
“The agent was very courteous and helpful. He made sure I was a satisfied customer.”
sherry Morris
Google review
★★★★★
“Hancy’s Insurance is one of the best insurance agents I’ve ever worked with.”
Donell Barkes
Google review excerpt