Step By Step Guide To Your Auto Insurnace
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Step By Step Guide To Your Auto Insurnace






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    Step By Step Guide To Your Auto Insurnace Step By Step Guide To Your Auto Insurnace Document Transcript

    • ¢ AARP Auto Insurance Program Claim Service Guarantee The AARP Auto Insurance Program from The Hartford promises to exceed your claim service expectations with ironclad written guarantees. 1. You can reach our trained claim professionals to report a claim 24 hours a day, 7 days a week. 2. On that first call, your Customer Care Specialist will explain the claim process, work with you to arrange convenient inspection of your damages as appropriate, and discuss next steps. 3. We guarantee the workmanship of any covered auto repairs through our nationwide network of Customer Repair Service Providers for as long as you own the vehicle. 4. We will pay you the replacement cost of a new car—same make, model and equipment— should you have a covered total loss of your new car within 15 months or 15,000 miles of purchase, whichever comes first. (This benefit may vary by state based on applicable law.) 5. We promise to issue claim payments to you within two business days of agreement on the amount of your loss. 6. If you have a problem during the claim process, we will automatically bring your concern to an expert who is authorized to address your problem. When you have a claim, call us right away, toll free at 1-877-805-9918 Your Policy Number: ______________________________ Your Billing ID Number: ____________________________ PLICA-1591-16
    • STOP
    • Whether reporting a claim or for service, you can reach us quickly by dialing one of these numbers: Claims 1-877-805-9918 Service 1-800-423-6789 Also Visit This entire coverage guide is provided for informational purposes only. It is not part of any policy issued by The Hartford or its affiliated insurers and is not a binding part of any insurance contract which may be applicable to you. This guide contains only general descriptions of coverage which may be provided and does not include all of the features, exclusions and conditions of the policy it describes. Certain coverages, features and credits may vary by state in accordance with our product filings and applicable law and may not be available to all policyholders. The Hartford suggests that you read your policy to determine your actual coverage. In the event of a loss, your specific policy terms will determine the benefits and coverages to which you are entitled. AARP and AARP Financial, Inc. receive from The Hartford payments for AARP’s license of its intellectual property for use by The Hartford and for services rendered in connection with the AARP Auto and Homeowners Insurance Program. Amounts paid by The Hartford for this license are used for the general purposes of the Association and its members.
    • Table of Contents Thank You • Thank You for Your Confidence 2 • About Your Policy and Enclosures 2 Policy Information • Flexible Payment Plans 3 • Payment Options 3 • Description of Coverages 4-5 Cost of Coverages • About the Cost of Coverage 6 • How the Program Helps Control the Cost of Your Insurance 6-7 • How You Can Help Control the Cost of Your Insurance 8 Discounts, Credits and Other Features • Program Features that Stretch Your Dollar 9 • Credits and Discounts 9-10 • Value-Added Features 10-11 Customer Service – Policy Changes • Contacting Us for Service and Changes 12-13 Claims • 24-Hour Claim Service—Claim Reporting 14 • Glass Breakage 15 • Towing and Road Service Claim Form 16 • What to Do if You Have an Accident or Other Loss 17 • Claim and Service Card 17 • AARP Auto Insurance Program Claim Service Guarantee (Back Cover) 1
    • Thank You for Your Confidence Thank you for choosing the AARP Auto Insurance Program from The Hartford. We are pleased to provide you with what we consider the finest auto insurance products and service in the industry. A Tradition of Quality and Service The Hartford has been a trusted name in insurance protection since opening our doors in 1810. Our reputation for fast and fair claim settlements was forged during the Great Chicago Fire of 1871 and the fire caused by the San Francisco earthquake of 1906. We started writing auto policies as early as 1897, when autos were still known as “horseless carriages.” The Hartford continues to be a highly respected leader in the insurance industry for its quality products and service to policyholders. Today, our financial strength and ability to pay claims is consistently rated as excellent by the nation’s leading independent agencies, such as A.M. Best, Moody’s and Standard and Poor’s, that monitor the performance of insurance companies. From service representatives to underwriters and claim adjusters, The Hartford’s employees are dedicated to meeting your insurance needs and welcome the opportunity to assist you with any questions you may have about your coverage. Since 1984, we’ve been serving the needs of people 50 and over through the AARP Auto Insurance Program from The Hartford. In fact, we now insure over a million AARP members. Over the years we’ve learned a lot about your needs and expectations from the Program. Whether it’s competitive rates for AARP members, the peace-of-mind protection you need, or the first-class service you deserve, The Hartford is always striving to do more. About Your Policy and Enclosures 12-Month Policy Your AARP Auto Insurance Program policy from The Hartford extends for a full 12 months. That means your premium will not increase during the policy year unless you make specific changes. Your auto insurance policy is made up of three parts: 1. The Declarations Page, which explains who is insured, what cars are covered and what coverages apply. 2. The Policy, which states the terms and conditions of your coverage. If required in your state, ID cards are included with your policy. Please keep them in your vehicle as proof of coverage. 3. Endorsements, which modify the Policy or Declarations Page. 2
    • Policy Information Flexible Payment Plans and Options Your policy from the AARP Auto Insurance Program offers two billing options: Monthly Electronic Funds Transfer (EFT): With this plan, your policy premium is divided into equal monthly payments. These payments are then withdrawn automatically each month from a checking or savings account on a date that you select. Note: There are no service fees when you choose to pay using monthly EFT. Bill-By-Mail: With the bill-by-mail option, you receive a paper bill by U.S. mail. You choose how often you receive a bill and make payments. • Full Pay – One payment. With this option, you pay your total 12- month premium in full when you receive your renewal bill in the mail. • Installment Payments – Three, Four or Six Pay. With this option, your total 12-month premium is divided into several installments (you choose 3, 4 or 6). You receive a bill by mail when each installment is due. Note: In most states, a service fee applies to each installment payment. Your billing statement will list the Flexible Payment Plan options available. Remember, if you wish to avoid service fees, consider paying by monthly EFT or by paying your entire 12-month policy premium in full when you receive your bill. Payment Options When you choose Bill-By-Mail, you also have several ways you can make your payment. Pay By Check: You can pay by personal check, sending your payment by mail. The Billing address will be listed on your bill. When you mail your payment, always send a check with the remittance portion of your bill to assist us in properly crediting your account. A late payment fee will be assessed if the minimum amount due is not received by the due date shown on your insurance bill. To avoid a late fee and assure continuous coverage, please send your payment early enough so that we receive it by the due date indicated on your bill. Pay By Phone: Call our toll-free Customer Service number 1-800-423-6789 and choose the “Billing” option to access the Automated Account Manager. You can pay by making a one-time EFT withdrawal from a checking or savings account, or by using a credit card. Pay Online: To make a payment online, visit Then follow the user-friendly directions. You can make a payment using a one-time EFT withdrawal from a checking or savings account, or by using a credit card. (A late payment fee assessment and the amount of the fee will vary depending on state filings and applicable law.) 3
    • Policy Information (Continued) Description of Coverages To help you understand your policy better, we’ve included brief, general explanations of the basic coverages. They are not definitions of coverage or substitutes for the terms and conditions of your policy. Rather, they are general descriptions which may or may not match exactly the coverages on your policy. Your state may have slight variations on these coverages. Please refer to your policy or contact us for specific details. Bodily Injury Liability This coverage protects you against financial loss if someone is killed or injured by your auto and you are found liable. Your legal expenses and court costs would also be included for a covered suit, as would your bail bond expenses. Property Damage Liability Property Damage Liability Coverage protects you against financial loss if you are found liable for damage to other people’s property caused by your auto. Uninsured Motorist Coverage Uninsured Motorist Coverage pays damages for bodily injury or death caused by an uninsured driver or hit-and-run driver who is legally responsible for the accident. Underinsured Motorist Coverage This coverage pays benefits for bodily injury or death caused by an insured driver whose Liability Insurance limit is insufficient to cover the losses incurred. Personal Injury Protection (No-Fault: Reparation Benefits) Personal Injury Protection, commonly known as No-Fault, pays benefits for the cost of personal injuries resulting from an auto accident. This coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. (Not applicable in all states.) Medical Payments* (Not required in all states) This coverage is often included in Personal Injury Protection and pays up to your policy limit for reasonable medical expenses incurred within three years of an accident. Medical Payments Coverage applies to everyone in your auto and relatives living in your household who are in other autos or who are struck by a vehicle. In many states, you may choose your own Medical Payments Coverage limit. (NEW) The Hartford RecoverCare AdvantageSM Now, if Personal Injury Protection (No Fault Coverage) is not provided in your state and you carry Medical Payments Coverage, we’ll reimburse *Medical benefits are calculated on the basis of usual, customary and reasonable charges. 4
    • you up to a maximum of $500 a month, for up to 6 months or a total of $2,500, for extra expenses you incur, beginning 8 days after the date of a covered accident, for essential services that arise while you are recovering from a disability caused in that accident. These include services normally performed without payment by you, for the care and maintenance of your family or household, such as cooking, lawn mowing and transportation, which are not normally covered by Medicare or health insurance. If your policy includes Personal Injury Protection, variations of essential services coverage are typically afforded under your Personal Injury Protection coverage. (Not applicable in all states. Please refer to your policy Declarations and endorsements for availability and specific coverage terms.) Collision Collision Coverage pays for damage to your covered auto (up to its actual cash value) caused by an impact with another vehicle or stationary or moving object. The amount of your deductible will be subtracted from any settlement. You may want to consider this coverage if your auto is not more than seven years old. Comprehensive (Other than Collision Coverage) This coverage pays for losses to your covered auto (up to its actual cash value) which are not caused by collision. This includes damage caused by fire, theft, glass breakage, riot, windstorm and hail. The amount of your deductible will be subtracted from any settlement. Towing & Labor This optional coverage helps pay for towing costs and/or labor at the place of disablement for your covered auto. Towing and Labor Coverage is available if you have Comprehensive Coverage. In most states we offer limits of $25, $50 or $75. Call to find out how inexpensive this valuable coverage is. Rental Reimbursement If you carry Comprehensive Coverage, we offer a variety of Rental Reimbursement Coverage options to meet your needs. Rental Reimbursement Coverage pays for the cost of renting a substitute car 24 hours after your car is in an accident or for other covered reasons, or after 48 hours if the loss is a result of theft. Your policy may automatically include up to $20 a day/$600 maximum limit at no additional cost. Or, for extra coverage at an affordable price, depending on your state, you can select from the following options: • $30 a day/$900 maximum • $40 a day/$1,200 maximum • $50 a day/$1,500 maximum 5
    • Cost of Coverages About the Cost of Coverage When you first applied for auto insurance, you were asked a series of questions to enable us to determine what rate we would charge you to cover your exposure to loss. These questions probably included where you live, your driving record and driving experience, your marital status, the miles you typically drive each year, the length of your daily commute, and the make, model and year of your vehicle. The answers to these questions are factors in determining the rate you are charged. Because there are so many factors besides your age and the type of car you drive, any changes in your driving situation may cause a change in your rates. Other factors that contribute to premium changes are the increased costs associated with settling auto claims. According to the Insurance Information Institute, the following factors are driving the increase in auto insurance expenditures: • Accelerating medical inflation; • Rapidly increasing jury awards in vehicular liability cases; • Court decisions forcing insurers to suspend use of generic parts; • Higher costs for motor vehicle body work; • Rising average price for new vehicles; • Trend toward purchase of larger, more expensive vehicles such as SUVs. While no insurance company can promise rates will never go up, our goal at the AARP Auto Insurance Program is to make every effort to minimize rate increases and help members continue to save. How We Help Control the Cost of Your Insurance At The Hartford, we go the extra mile to ensure your premiums are as low as we can make them. The best way to keep premiums low is to make fair claim payments and keep administrative costs low. Here are a few of the steps we have taken. Safety Initiatives Our safety initiatives, such as offering insurance premium discounts for cars equipped with air bags and anti-lock brakes, seek to reduce the number and costs of the claims. 6
    • Insurance Fraud Prevention One of the ways the AARP Auto Insurance Program from The Hartford makes sure your premiums are as low as we can make them is to do every- thing possible to assure the accuracy of all claim payments so that we’re not paying a nickel for fraudulent claims. Insurance fraud is a deliberate crime, such as a staged accident, perpetrated against honest, unsuspecting people for financial gain. Although fraudulent activities may vary in degree in the end, they all cost you money. The bill goes to all honest, law-abiding drivers in the form of higher insurance premiums, for all auto policy- holders share the cost of insurance losses, whether or not they’re legitimate. The Hartford is committed to putting a stop to costly insurance fraud. We are working cooperatively with the law enforcement community and with other insurers to vigorously combat fraud. Our claim offices and Special Investigative Unit work closely with government agencies and industry-sponsored fraud prevention programs. But, we need your help. If you come across a situation that causes you to be suspicious, please report it right away to our toll-free fraud hotline: 1-800-547-WARN (9276). Your call is completely confidential. • If someone suggests that a certain lawyer or doctor can help you make a lot of money from an accident, or a repair shop offers to inflate your damage estimate, be suspicious, and call us. • If you are involved in or witness an accident, report it to the appropriate authorities and be willing to testify in the investigation and court proceedings. • Keep records. If you are involved in an accident, write down a detailed description of the accident, including names, addresses, phone numbers, insurance company and policy numbers of all drivers and passengers. Also, obtain names, addresses and phone numbers of all witnesses. Advocacy As a member of the American Insurance Association (AIA), The Hartford supports legislative initiatives that will benefit the insurance industry and its customers. The AIA lobbies at various state capitols to enforce stricter penalties for hazardous driving, theft and insurance fraud. The Hartford also supports driver and highway safety through its involvement with the Advocates for Highway and Auto Safety and the Insurance Institute for Highway Safety (IIHS). 7
    • Cost of Coverages (Continued) How You Can Help Control the Cost of Your Insurance Increase Your Deductible. Naturally, the more expensive the car, the more it costs to repair or replace and the more it costs to insure. If you can afford a higher deductible, it will lower your premium. Many people opt to discontinue their collision coverage on cars that are more than seven years old. Take Care Behind the Wheel. Most of us know that good drivers pay less for insurance than drivers with less-than-perfect driving records. By doing your part to keep our roads safe, you help us keep your premiums reasonable. Check Your Discounts. Compare the discounts and credits on the following pages to those listed on your Declarations Page and policy forms. If you’re not receiving a discount you’re eligible for, give us a call so we can help you explore your options. 8
    • Discounts, Credits and Other Features Program Features that Stretch Your Dollar The Program offers a variety of special credits, discounts, and other features to help stretch your insurance dollar. Please review your Declarations Page and policy forms to see if you are already taking advantage of these valuable features. Credits and Discounts Renewal Credit If you remain insured through the AARP Auto Insurance Program from The Hartford for three years, you may receive a credit on your renewal premium. Defensive Driver Credit If you’ve completed an approved defensive driver course, such as the AARP Driver Safety Program, you’re eligible for a discount for the next three full years. Just mail us a copy of your certificate, and we will apply the credit. For local and online course information, call, toll free,1-888-227-7669 (1-888-AARP-NOW) or visit (The Defensive Driver Credit is called the Motor Vehicle Accident Prevention Course Discount in New York and Motor Vehicle Improvement Course Discount in Pennsylvania. In Kentucky, this credit applies for five years.) Driver Training Credit You can receive a credit on your premium for drivers under 21 years old who successfully complete an approved course. (In Georgia this discount applies to drivers under 25 years old.) Limited Driving Credit Upon reaching age 75, you may qualify for this discount if you limit your driving to daylight hours. Good Student Driver Credit If each full-time student under the age of 25 who owns or operates a vehicle insured through the AARP Auto Insurance Program from The Hartford qualifies as a good student, you can receive a credit on most coverages. If you have not received a credit application, please call us, and we will send one if the credit is available in your state. Multi-Car Savings If you have two or more private passenger vehicles insured on your AARP Auto Insurance Program policy from The Hartford, you may be able to lower your premium. 9
    • Discounts, Credits and Other Features (Continued) Air Bags Discount Automatic air bags provide a protective cushion when they inflate. They prevent or minimize injuries, especially in frontal crashes. If your car is equipped with more than one air bag you save even more. Anti-Theft Device Discount Anti-theft devices can be either active or passive disabling devices that protect a car from theft and save you money on your Comprehensive Coverage. If you must manually activate the device, it is considered active. If no separate step is needed to activate the device, it is considered passive. Value-Added Features Lifetime Protection* With The Hartford’s Lifetime Renewability benefit, you’ll never have to worry about losing your coverage. You are assured continuous coverage with the Program for as long as you’re able to drive and you meet a few other simple requirements. Full Replacement Value for New Cars If your new car is a total loss within the first 15 months or 15,000 miles, whichever comes first, we’ll buy you a brand new car—same make, model and equipment — or we’ll reimburse you with no deduction for depreciation. This guarantee is automatically included with your Comprehensive and Collision Coverage. This benefit may vary based on applicable law. For example, depending on your state, the benefit may be limited to up to six months or 7,500 miles. In the event of a loss, the terms of your policy, as limited by law, will determine the actual coverage offered. Depending on your policy plan, you may be eligible for benefits, such as First Accident Forgiveness, Disappearing Deductible, and Waivers of Collision Deductible. These benefits can help you save significant dollars if you have any accident. For example: • Accident Forgiveness** You’ll be eligible for this benefit once all drivers on the policy have a clean driving record for five consecutive years (three with the Program) and have been continuously insured in the AARP Auto Insurance Program. Once you qualify, if you have an accident, we’ll forgive it. It won’t count against you, and your rates won’t go up because of it. 10
    • • Disappearing Deductible** Once all drivers on the policy have a clean driving record for five consecutive years (including three years in the Program), we’ll reward that clean record by reducing your collision deductible by $150. In most states, we’ll continue to reduce your deductible an additional $50 each year you keep your good record until it reaches zero. • Waivers of Collision Deductible ** In most cases, when you have Collision Coverage and you’re involved in an accident where the driver responsible for causing the accident has been identified, you won’t have to pay the deductible. This means that we will pay the full amount of the covered damages without subtracting the deductible. For other accidents, if you elect to take your car to one of our participating dealerships or authorized local repair shops for covered collision repairs, we’ll waive $100 of your collision deductible, depending on your state. And, we’ll continue to guarantee the workmanship of the repairs for as long as you own your car. *The Lifetime Renewability benefit is not applicable to the AARP Business Auto Insurance Program from The Hartford. This benefit is not applicable in all states. Please refer to your Declarations Page for policy availability. If you’re age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal —as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated, and must not have obtained your policy through material misrepresentation. ** Coverage may vary by state in accordance with our state filings and applicable law. In some cases, First Accident Forgiveness, Disappearing Deductible and Waivers of Collision Deductible benefits, are only available for an additional charge, by purchasing the Advantage Plus package. For these policyholders, to qualify for First Accident Forgiveness and Disappearing Deductible, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years. For the Disappearing Deductible, these five years must include a period of three consecutive years as a policyholder in the AARP Auto Insurance Program (commencing after the effective date of the policy issued through this offer.) PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. 11
    • Customer Service—Policy Changes Contacting Us for Service and Changes With the latest enhancements to our customer service capability and the expansion of our web site, we continue to strive for unrivaled excellence in service. You select the service that’s best for you. Enjoy fast, secure and convenient billing service 24 hours a day, seven days a week! Simply dial our toll-free customer service number (1-800-423-6789) and choose the “Billing” option to access the Automated Account Manager or visit the Online Customer Service Center at to: • Make a payment; • Verify your payment was received and processed; • Check your balance; • Obtain the amount and date of your next payment anytime; • Sign-up for our Billing Reminder Service (available online). Check out the expanded services and information available to you on our website: • View your current auto policy or print your ID card; • Make changes to your policy—it’s easy to add a driver, replace a vehicle or make changes to your coverages; • Add or remove your leasing or finance company; • Change your address or phone number. And much more! Our website also contains information about our other products. Remember to add to your list of favorites. Call us: If you have a question about your policy, need to make a change or would like to discuss ways to reduce your premium, one of our customer service representatives will be glad to help you. Just call toll free, 1-800-423-6789, Monday through Friday, 7 a.m. to 11 p.m., Eastern Time (ET) and Saturday, 8 a.m. to 6 p.m., ET. Write us at: The AARP Auto Insurance Program, P. O. Box 2903, Hartford, CT 06104-2903. Or send us an email at 12
    • Changes to Your Policy Changes to your policy should be requested by you, our policyholder, or in some cases a member of your family. Some changes will require written confirmation. Remember to notify us about changes that affect your policy. Contact us to: • Let us know you’ve retired; • Add or remove a driver from your policy (Please have driver’s license number available); • Change your policy limits; • Change your name, address or garaging information; • Remove or change the name of your finance or leasing company; • Add or remove coverage on a vehicle. Important: To add or replace a vehicle, please have your vehicle identification number, odometer reading, vehicle alarm system type and your finance or leasing company name and address available so we may expedite your request. It’s a good idea to review your coverage annually, and to make sure you are getting full advantage of our credits and discounts, while maintaining just the right coverage you need. 13
    • Claims Our Claim Commitment to You 24-Hour Claim Service—Call Toll-Free 1-877-805-9918! Count on us to be there when you need us most. Our large countrywide claim service staff is on duty to take your call seven days a week, 365 days a year. When you need assistance, our network of knowledgeable claim adjusters and authorized auto repair shops can give you the help you need to get you back on the road as soon as possible. Claim Service Guaranteed in Writing We realize that it’s our ability to deliver the best claims experience possible that ultimately proves the value of your insurance—and the integrity of the company that stands behind its promise to you. The Hartford has been chosen to serve the insurance needs of AARP members. It’s a responsibility that each of our 1,600 claims associates takes very seriously. Each and every day we deliver outstanding claims service, and we stand behind our commitment to deliver the best claim experience possible on every claim, every time. We’ve put our promise to you in writing on the handy Claim and Service Card located on the last page of this guide. Please be sure to detach the card, write your Policy Number and Billing ID number on it, and keep it in your vehicle for quick reference. Convenient information on what to do in case of an accident and contact information for claim reporting and customer service is included on the reverse side of this card. Customer Repair Service Program The Hartford offers a Customer Repair Service Program that simplifies the claim process and provides a guarantee for the workmanship of the repairs performed by an authorized facility for as long as you own your car. In most cases, when you call the claim hotline 1-877-805-9918, we can refer you to local repair shops that meet our strict standards and guidelines. If you choose to use one of these shops, no additional claim estimates are required and any covered payments can be sent directly to the repair shop. Be sure to ask the Claim Specialist if your claim qualifies for use of our Customer Repair Service Program or for the closest authorized repair shop. 14
    • Glass Breakage Claims Call in your Glass Breakage Claim—Toll-Free 1-877-805-9918 • Before you have any glass damage repaired, call our toll-free claim number, 1-877-805-9918, for important instructions on the best way to have the repairs done. Our claim specialists will evaluate the damage and advise you on how to proceed. • The choice is entirely yours. We can arrange for glass repair or replacement to be done as quickly and conveniently as possible through our recommended glass service. In many cases, repairs can be done at your home or work location. • Repair minor damage now and save money! Shown below are simple breaks, cracks, chips and dents that can be mended without installing a new windshield. Repairs can be done without removing the windshield, at no cost to you. So don’t wait, call us to arrange for repairs. Simple damage that can be mended, from 2” chips up to 6” cracks If you’re ever in an accident, report it right away — day or night! Call our toll-free Claim Hotline 24 hours a day, 7 days a week. 1-877-805-9918 15
    • Claims (Continued) Towing and Road Service Claims After towing or road service, complete and detach the Towing and Road Service Claim Form attached to this guide and mail it to the address indicated on the form. For prompt claim processing, make sure you attach your expense receipt to the form. Use This Form to Mail in your Towing and Road Service Claim. ¢ Towing and Road Service Claim Form How to submit a Towing and Road Service claim:  Attach original receipt of the towing or road service expenses.  Complete the information requested below.  Detach this form and mail to: ClaimXchange P.O. Box 68959 Indianapolis, IN 46268-0941 Your Policy Number Your Full Name (please print) Today’s Date Your Home Address: Street City State ZIP Code $ Date of Disablement Dollar Amount of Towing or Road Service Expenses Year/Make/Model of Vehicle 16
    • Claim and Service Card ¢ Please detach this handy card and keep it in your vehicle for quick reference in case you have an accident, need to make a change to your policy, or have questions about your coverage. What to Do if You Have an Accident • Don’t leave the scene of the accident. • Call the police or ask someone to call for you. • Obtain the following information: —Name, address and daytime phone number of each driver, passenger and witness; —Name of insurance company and policy number for each vehicle involved. • Call our 24-hour, seven day a week, toll-free claim reporting hotline 1-877-805-9918 right away! National Relay Service (for the hearing/speech impaired): 1-800-877-8973 For non-claim related information about your coverage or changes to your policy: • Toll-free Customer Service: 1-800-423-6789 Telecommunications Device for the Deaf (TDD): 1-800-553-6148 Monday-Friday, 7:00 a.m. to 11:00 p.m., Eastern Time (ET) and Saturday, 8:00 a.m. to 6:00 p.m., ET To add or replace a vehicle —Please have the following available so we may expedite your request: your vehicle identification number; odometer reading; alarm system type; and your finance or leasing company name and address. • Free Automated Account Manager — Available 24 x 7: 1-800-423-6789 and choose “Billing” option Web Site: Email: 17