Never admit liability and only discuss your accident with the police, your insurance broker, and your insurance adjuster. If your claim is an emergency and you need immediate assistance, please use the above claim hotlines or use one of the residential phone numbers listed below for after hours assistance. We recommend that you contact us first in order to advise you on how this will affect your current insurance situation.

Always obtain the other person's name, address, telephone number, insurance company, and policy number. Always report an accident to the police - even if they do not come to the scene.