- What should I do if there is damage to my home?
- What should I do if I am involved in an automobile accident?
- How do get I coverage on a newly acquired vehicle purchased on nights/weekends/holidays?
- Call our agency to report your claim. If
you need emergency assistance call the Stephenson Agency’s after
hours emergency claims phone number at 919-901-9862. If the
damage to your home is not severe, please call our regular
office number during business hours.
- Protect your home from further damage.
Take appropriate steps to prevent your home from further
damage. Some examples include pulling up carpet damaged by
water or using plastic or tarps to cover exterior openings.
- Record the damage done to your home.
Make a list of what is damaged in your home. Include details
when possible – such as the brand name, manufacturer, serial
number and approximate price you paid. Organize your list by
- Maintain a list of repair expenses. Keep track of the time you spend cleaning up or repairing your home after the claim. Also record any money you’ve spent on materials to temporarily fix the damage. It’s important that you don’t make any permanent repairs until your adjuster has inspected the damage. .
- Pull over. Move your vehicle off the road and out of harm’s way. Protect yourself, your auto and any other property as best you can.
- Check for injuries. Check to make sure no one was injured in the car accident. If someone was, dial 911 for help.
- Call the police as soon as possible if someone is injured, damage is extensive, your vehicle has been stolen or you need assistance.
- Exchange insurance information. Check the date on the other driver's insurance ID to make sure his or her insurance is not out of date. As a backup measure, record the other driver’s phone number, address, license plate number and the make and model of each car involved for your insurance company’s reference. Do not discuss who is at fault; leave that decision to the police and the insurance investigators.
- Record the details of the car accident, including the date, time, location and weather conditions, while you’re at the accident scene. For insurance purposes, it’s also a good idea to keep a disposable camera in your car or carry a cell phone with a camera to take photos of your vehicle from every angle.
- Talk to witnesses. If you notice any witnesses, take down their names and phone numbers.
- Obtain a copy of the police report. After the police have completed the report for the car accident, ask for a copy for your insurance company. Write down the officer’s name and department along with the incident number. .
- If you currently have comprehensive and collision coverage on your policy, this coverage automatically extends to newly acquired vehicles, provided that you request coverage for the vehicle within 30 days of purchase. If a dealer requests insurance information you should provide the dealer with your policy information from the insurance cards or registration cards in your existing vehicle. .