Claims

Contact: Scott Spiller – 214-799-3424

 

WHERE TO START IF YOU HAVE A CLAIM

Read your insurance policy for specific duties in the event of a loss (usually found under “Conditions of Insurance).  This will tell you specifically what your insurance company expects you to do and what they do not want you to do.  You may also contact your carrier claims office to report your claim directly.  The number will be located in your policy, or you may also find it by visiting your carrier’s link provided on the “Insurers” page on this site.

DUTIES IN THE EVENT OF A CLAIM

1.  Notify authorities as needed.  To review NTSB procedures, go to the following site: www.ntsb.gov

2.  Accident response programs are a must.  The “Resources” page on our website will take you to an sample corporate response plan and outline

3.  The FAA provides preliminary accident and incident information online.  Click on the following link for access to this database: www.faa.gov

This information has been prepared to provide an overview of typical duties and expectations in the event of a loss, claim, lawsuit or any occurrence under the policy.  Your policy is the sole determination of coverage and the mutual duties and obligations between your and the insurance company.  Nothing in this document changes your policy in any manner.

Notify the insurance company as soon as possible.  Note the time, place, and description of the occurrence along with names and points of contact for any injured people and witnesses, including all passengers.  Immediately forward copies of any demands, notices, summonses, or legal papers received in conjunction with an occurrence.

Notify the proper authorities.  Contact the police for theft or vandalism claims.

Do not make any statements (oral or written) without insurance company permission.  You cannot hinder the insurance company’s ability to seek reimbursement for damages from responsible parties, therefore, do not assume any obligation, liability, offer, pay reward, or make any payment, except for necessary first aid or to immediately protect property from further damage.

Do not abandon your aircraft or insured property. You must take all reasonable precautions to protect property immediately after the loss.

Cooperate with the insurance company and their representative(s), for example: regular communication with the adjustor, answering questions about the occurrence under oath, helping obtain and give evidence, attending hearings and trials, and getting witnesses to testify are all generally expected.

Allow the insurance company to inspect the damaged property prior to repair or disposal.

File proof of loss within a set amount of time with the insurance company.  This is usually a sworn statement setting forth the interest of the Named Insured and of all others in the property affected, any encumbrances, the value of the property at the time of the loss, the amount, place, time and cause of such loss, and the description and amounts of all other insurance covering such property.