How do I file an insurance claim?

General process across most lines:

1. Report immediately — to the carrier or to us. Don't wait to determine "how serious" the claim is; late reporting can become a coverage dispute.
2. Document the incident — photos, witness names and contact info, police report (if applicable), incident report (workers' comp), and a written narrative while details are fresh.
3. Don't admit fault, sign anything from claimants, or settle directly — let the carrier's claims team and assigned defense counsel handle communication with the other side.
4. Cooperate with the investigation — provide records, sit for examinations under oath if requested, attend depositions, follow medical instructions on injury claims.
5. Stay in touch with the adjuster through resolution.

We coordinate with carriers on every meaningful claim — particularly first reports, reservation-of-rights letters, denials, and large or complex losses where the right early steps materially shape the outcome.