Claims Information

The reason we have insurance is to give you peace of mind! Our Mutual provides excellent claims service that is friendly, fair and consistent.

In the event of a claim, contact your broker. If after hours, contact the 24-hour Emergency Service.

24-HOUR EMERGENCY CLAIMS SERVICE

To better serve your needs, we have introduced the 24-hour service toll free telephone line. Policyholders can either contact their broker to report a weekend or after hours claim which requires immediate attention, or they can call our...

24-hour Emergency Claim Service at 1-877-488-6642 (OMIA)

Represented by:     CLAIMSPRO

PROPERTY LOSS - WHAT TO DO

If you feel you have a possible loss which is covered by your policy the following steps should be taken as soon as possible:

1. Contact your Agent or Broker or our Office. An adjuster will be assigned at the earliest opportunity. A prompt and fair loss adjustment is made easier when the damages are seen before repairs are begun.
2. If the loss is due to theft, burglary, robbery, vandalism or malicious acts, you should give immediate notice to the police or other authorities having jurisdiction and then follow step #1.
3. In the case of livestock alleged to have been killed by lightning, artificial electricity, drowning or accidental physical entrapment, follow step #1 and notify your veterinarian before moving the carcass. A veterinarian certificate stating the cause of death will be required in such cases. If the loss is insured by your policy the veterinarian fee will be paid by us.

Updating your insurance coverage on a regular basis will help to make any potential losses less of a financial burden. Contact your Agent or Broker if you have any concerns in this regard.

HELPING TO PREVENT DELAYS IN PROVING A LOSS

• Keep a written inventory schedule of your valuables including serial numbers, name, and model. Attach purchase receipts or appraisals of your jewellery, collectibles, electronic equipment, etc...
• Pictures are excellent. Record by video. Take photographs of your property. Your broker will help with this as well!
• Remember, should a loss occur, it is up to you to prove your loss! This will help in the event of a loss and assist the Insurance Adjuster.
• Keep in a Safe Place, with your Insurance Policies and other valuable Papers.

AUTOMOBILE LOSS - WHAT TO DO

Fill out the Accident Report Guide or refer to it for the necessary information.

POLICE REPORTING CENTER

A Police Reporting Centre is a facility where the public in the London area report traffic collisions and other types of occurrences. If the collision occurs outside the London area, the O.P.P. must be called.

A driver involved in a property damage collision will report the collision at the Police Reporting Centre during business hours, with the following exceptions:

POLICE WILL ATTEND COLLISIONS INVOLVING:

• Injury or death.
• Criminal activity, ie. impaired driving, stolen vehicle, assault.
• Federal, provincial, or municipal vehicles.
• Vehicles transporting dangerous goods.
• Damage to private, municipal, or highway property.

BEFORE ATTENDING THE POLICE REPORTING CENTER, THE FOLLOWING STEPS SHOULD BE TAKEN:

• Check the "Exceptions" above.
• If safe to do so, remove vehicle from roadway.
• Exchange information with the other involved parties, including independent witnesses. Obtain names, addresses, phone numbers, insurance and vehicle particulars.
• As soon as possible, attend with your vehicle at the Police Reporting Centre.
• Bring your documentation with you to the Policy Reporting Centre, ie. drivers licence, ownership, and insurance.

WITHOUT EXCEPTION, DURING BUSINESS HOURS, TOWED VEHICLES MUST GO DIRECTLY TO THE POLICE REPORTING CENTER FROM THE SCENE OF A COLLISION.

The Highway Traffic Act requires that all collisions where persons are injured, where damage exceeds a value of $700.00, or where there is damage to highway property, must be reported to the police