You have insurance for protection against unforeseen or accidental circumstances (click here for tips on what to do). A claim drives the process to help manage these circumstances. We do not know about an accident or loss until you or someone on your behalf reports it to us or directly to your carrier. Please contact us during business hours at the most convenient office for you so we can help walk you through the process. In case of emergency, please contact your insurance carrier directly and then notify us the next business day: