Claims FAQ
We will always take time to answer your claims questions. The following information is provided as a general resource for our insured clients. For answers to questions about a specific loss, talk to your claim adjuster or broker, who could more thoroughly explain your insurance coverage, processes and claims options through your insurance as well as answer any other questions you may have.
Information You Will Need.
See the list below for key information you will need to file your claim. We understand you may not have all of this information immediately available. When you provide your First Notice of Loss, please provide as much detail as possible. Once further details of the loss or claim are known, you can simply contact your claim professional. You can also download our Accident Kit.
Information You Will Need
Maintain key claims details.
To stay organized, we recommend you maintain a file and keep the file with you regarding your insurance claim that includes the following:
- Your business name as it appears on the policy
- Policy number
- Claim number
- Claim adjuster name, mailing address, phone number and title
- Estimates, correspondence and notes of phone conversations regarding the claims settlement
Whenever you talk to your claims adjuster, your documentation will help ensure the claim is processed in a timely, accurate manner.
What if I have a question about my claim?
If you have not filed a claim, and have general questions, please contact your broker/agent or contact us at (844) 362-4467.
If you have a question regarding your medical bill payment for your Workers’ Compensation claim, please contact your claims adjuster for further assistance.
What documents do I need to submit my claim?
You may be requested to provide the following documents including but not limited to photographs, police or fire reports, incident reports, estimates, bills of lading, medical bills, contracts or lawsuits. Your claims adjuster will instruct you how to provide the documentation.
What is the process when I have an accident?
Do not discuss liability with other parties who may be at fault. Only discuss the accident with the authorities or your company. Instead, gather information about who was involved (name, address, phone numbers, etc.), and promptly report your claim to us.
All Claims Information Needed
Accident/Loss Details
How, when and where the accident/loss occurred, including the severity of damages/injuries sustained, if applicable.
Claimant Details
Claimant/company name, contact information, date of birth, social security number and other available information in order to comply with insurance claim handling/reporting guidelines.
Insured Name & Policy Number
The entity and/or company name that has a policy with DMC and the policy number.
Parent Company Name
The parent company name, doing business as (DBA), program or management company name to which your location, entity, subsidiary or franchise, or business is associated.
Reporter Information
The name and relationship of the person reporting the claim in the event additional information is needed.
Site Code
The site, store, branch or job number associated with your account’s specific location.
Commercial Auto Claims Information Needed
Accident/Loss Location Details
The physical address or location to where the accident occurred. If the specific address/location is unknown, provide the state and/or county of where the accident took place.
Environmental Exposure
Indicate if there was a spill or other environmental exposure (i.e. accidental release of hazmat, diesel fuel, other regulated materials, etc.) that may require emergency environmental clean-up.
Injury Details
The nature and severity of injuries and body parts affected, including if the accident resulted in death sustained by drivers, passengers and/or pedestrians related to the accident.
Property Damages
The types and severity of damages to physical and/or personal property involved in the accident and who owns the property.
Vehicle Details
Details for all vehicles involved in the accident, including the type and severity of damages to each vehicle, if applicable. If available, indicate where the vehicles are located.
Workers’ Compensation Claims Information Needed
Accident Location Details
The physical address or location to where the accident occurred. If the specific address/location is unknown, provide the state and/or county of where the accident took place.
General Details
Date and time of the injury, date employer was notified of the injury, names of any witnesses.
Benefit State
The state or jurisdiction that will govern benefits for injured workers under workers’ compensation.
Employment Details
All employment details of the injured worker such as name, address, telephone number, social security number, occupation and job title, date of birth, sex, marital status and number of dependents, date of hire, full or part time, to include whether your employee will be losing time from work.
Injury Details
The nature and severity of injuries and body parts affected, including if the accident resulted in death. Description of how the injury happened. When available, provide all details of where the injured worker sought medical treatment.
Decals, Accident Kits and Loss Reporting Forms
Upon request we can provide decals, accident kits or loss reporting forms to meet your needs.