How will you process my claim?

However you choose to report your loss, online or via telephone, we need as much information as possible from you, including:

  • The date, time, weather conditions, and location
  • Statements from all parties involved (drivers, passengers, witnesses, etc.)
  • Injury information
  • Any involved party’s information (name, address, phone number, insurance information, etc.)
  • The name of the responding police department and the report/case number
  • Descriptions of the damage to the vehicle(s) and vehicle locations


Processing Your Claim:

Throughout the life of your claim, we will make every effort to ensure as quick and stress-free a process for you as possible. Once your claim has been reported, your adjuster(s) will work with you to:

  • Verify whether/what coverage applies to the loss based on your policy
  • Take statements and gather information
  • Evaluate all the facts and determine the cause of the accident
  • Address any injuries sustained in the accident
  • Assess the damage to your vehicle and issue payment accordingly
  • Seek reimbursement of your deductible from any at-fault parties when applicable

Repairing Your Vehicle:

Once you have an approved estimate and payment has been issued, you may schedule repairs with your body shop and provide it with a copy of the approved estimate (if they do not already have one). Scheduling is important so the shop can order and obtain the parts needed prior to when you drop the vehicle off. This ensures that once your vehicle goes to the shop, the repair process begins and limits the time you are without your vehicle.

Liability Investigation:

When it comes to “who is at fault,” it is not always as simple as “at fault” versus “not at fault.” The assigned adjuster will review all available evidence to determine to what extent each party contributed to causing the accident. Several factors are examined to determine fault, including, but not limited to:

  • Driver and witness statements
  • Police reports
  • State laws
  • General rules of the road
  • Available video footage
  • Damage photos
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.