Services

Sometimes, it’s more convenient to find the answers to simple questions yourself. That’s why we’ve included on this page, answers to questions we get asked most often. To view the answers, click on the appropriate question(s) to the right.

We value your feedback. If you have questions about our agency, our insurance coverages or the products and services we offer, please let us know. We will get back to you promptly and, if appropriate, we will add your question to this page as a service to current and future customers. Submit your questions to:

508-697-6963 Phone

508-697-5809 Fax

info@estabrookchamberlain.com

 Auto   Home   Claims   Misc. 


Claims FAQs

  1. If I have a claim, will my insurance costs immediately go up?
  2. Do I need to save all my receipts in the event of a claim?
  3. Can I appeal an At-Fault Accident Surcharge on my auto insurance premium?
  4. What happens if I receive a claim payment check for repair work done on my car, but it turns out that the payment doesn’t cover the whole amount charged for the repairs?
  5. Do you have a simple info sheet I can refer to when filing an automobile claim?

 

 

Q. If I have a claim, will my insurance costs immediately go up?

A. If you make a claim, you will not normally see a change in your costs. Companies generally focus on the frequency of your claims. If you make several claims within a 3-5 year period, you’ll probably impact your costs. Claims are normally made for payment of calamitous events.


Q. Do I need to save all my receipts in the event of a claim?

A. Receipts are helpful in establishing a value for a lost item, but the insurance companies don’t require them. In most cases, the insurance company will ask you to compile a list of the lost or destroyed items and their approximate value. The company will then adjust your claim for “depreciation” based on that list. Your best guard against depreciation is choosing the replacement value option on your insurance. We’d be happy to discuss this option and to help you put together a Home Inventory, which can save valuable time and effort in case of a loss.


Q. Can I appeal an At-Fault Accident Surcharge on my auto insurance premium?

A. Yes. If you believe you were not more than 50% at-fault, you may appeal to the Board of Appeal located at the Division of Insurance, Boston. The filing fee is $50. You must appeal within 30 days from the receipt of your Surcharge Notice; otherwise you will lose your right to appeal.


Q. What happens if I receive a claim payment check for repair work done on my car, but it turns out that the payment doesn’t cover the whole amount charged for the repairs?

A. In most cases, the insurance company’s damage repair appraisal and claim payment check will adequately cover the repair work done by an approved auto body shop. But if there is damage that was overlooked in the original estimate, often a supplemental payment can be made to cover the additional repair costs.


Q. Do you have a simple info sheet I can refer to when filing an automobile claim?

A. Yes. Click this link to view our auto claims info sheet