Should I File a Claim?
You're not required to file a claim. Here are some things to consider if you are an Auto or Property customer:
- Was anyone injured?
- Did you damage someone else's property or vehicle?
- Is it unsafe to live in your home or drive your car?
- Are the damages above your deductible?
If you answered yes to one or more of these questions, you should consider filing a claim. That way we can begin collecting the information needed to resolve your claim quickly. If you have questions about whether or not to file a claim, call Claim Customer Services at 1-800-252-4633 from 8 a.m. to 6 p.m. EST, M-F or contact your agent.
Still Have Questions About Filing a Claim?
If you plan to file a claim, you should do so now. Generally, for property policies, you have at least 6 months to file a claim. In some states, and depending on your policy, it may be longer.
You should report your claim to Travelers as soon as possible, even if you don't have all the necessary information. The faster you do so, the sooner we can start assisting you. You will have the opportunity to update information. Here is what we typically look for:
- Photos of the damage, if applicable
- Your contact information
- The name and contact information of any other involved parties
- Policy information, if available
- The type of loss you are reporting (auto, home, etc.) Remember, in the event of auto damage, your policy does not include mechanical breakdowns.
- The date the incident occurred
- A description of what happened
- A description of any injuries
When you call to report your loss, a Travelers Claim Customer Service professional will document the details of the loss and may provide you with a claim number. Your claim will then be assigned to one of our Claim professionals.
If you file a claim and we make a payment, it is very likely that your premium will increase. While it is difficult to determine exactly how much your rate increase will be, our average auto premium increase as a result of claim activity is 35% if you are found to have caused the accident. In all other situations, including comprehensive claims, the average premium increase is typically 15%.
If you believe you're not at fault for the damage to your vehicle, you have the option to file your claim with the other driver's insurance company or with Travelers. Here are some things to consider when making a decision.
Being involved in a car accident can be a stressful experience, and a time when you may not be thinking straight or in full control of your faculties.
Wondering if your damage is covered? Learn more about what is covered under your policy.