I was injured. So what’s next?

If you are insured with Electric Insurance or were a passenger in a vehicle we insure, you should report the loss to us and we will assign an adjuster. This adjuster will review your policy for available coverage for things such as medical bills and/or lost wages.

First-party injury coverage varies depending on the state in which your policy is written. If your policy contains first-party injury coverage, you should see the physician of your choice. Provide the physician’s office with your claim number, and your adjuster’s name, phone number, fax number, email address. Make sure to include Electric Insurance’s address (75 Sam Fonzo Drive, Beverly, MA 01915) as well.

If, during the claim process, you are sent any bills from your medical providers, please forward them to your adjuster.

If the other driver is determined to be at fault for the loss, contact their insurance company to inform it that you are injured and discuss with them their process for a Bodily Injury claim for your injury damages. This includes any pain and suffering damages.

If you were involved in an accident with someone insured by Electric Insurance and are injured, report the loss to us. An adjuster will be assigned to you and will review the claim process. Bodily Injury coverage is ultimately a liability coverage; thus, it is not considered primary for medical expenses, and typically, first-party coverage from your own auto insurance or health insurance would be primary for billing.


New Jersey Personal Injury Protection Provider Information

The documents below provide information about Electric Insurance Company’s New Jersey Decision Point Review Plan as required by the New Jersey Department of Banking and Insurance. New Jersey has established a course of treatment for automobile-related injuries and includes a list of approved providers for EMG  (Electromyography) and diagnostic testing.


Product, service, program, credit, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.