In the event of a claim, promptly report the claim one of the following ways:
The following are general guidelines for auto, property, and workers’ compensation claims:
If anyone is injured, immediately call emergency services.
Report the accident to the police.
Exchange names, driver license numbers, addresses, and insurance information with the driver(s) of the other vehicle(s).
Record the following information:
Date, time, and place of accident
Name and address of owner of the other vehicle, if different from the driver
Names and addresses of passengers and witnesses
License plate number of the other vehicle and the witnesses’ vehicles
Take photos of damage to vehicles and/or property, accident scene, and identification (insurance cards, license plates, etc.).
Promptly report the claim.
If anyone is injured, call emergency services.
Take appropriate steps to avoid further damage to the property.
Promptly report the claim.
A true measure of an insurance company is how appropriately it responds to your needs at the time of a loss. Through our network of strategically located branch and service offices, EMC is always close by and ready to help when a claim arises.
EMC‘s claims philosophy is to:
An insurance claim has a financial and personal impact. That’s why our primary goal is to handle your claim as fairly and quickly as possible, regardless of the type or size.
EMC strives to provide you with the most effective claims cost management programs in the industry. Services provided to our policyholders include access to professional medical management attorneys, expert damage appraisers, and auto glass and repair networks. We also offer highly focused claims consultants and litigation specialists to assist with complex claims. And finally, we employ our Special Investigations Unit to help detect and deter fraud, which can keep your claim expenses down.
EMC’s medical management services help your employees receive high-quality medical care in the most cost effective way. We look at the entire return to work process, from preventative measures to getting injured workers back on the job. Our services include medical bill review, pharmacy benefit program and medical file reviews by our staff of bill review specialists, registered nurses, medical claims consultants, and certified nurse case managers. We can customize a workers’ compensation program to fit your needs.
Our Estimatics Review Unit specializes in assessing auto, truck, heavy equipment, recreational vehicle, watercraft, and specialty equipment damage. We offer a variety of services, including field inspections, review of independent appraisals, and processing of total loss settlements.
The subrogation team at EMC is staffed by experienced claims professionals who work together to collect payment from the responsible parties for the damage they’ve caused. The process protects you and EMC from paying for an accident that wasn’t your fault. It also reduces your wait time for a liability decision from another insurer. EMC will process your claim and work to recover your deductible and our costs.
Insurance crime costs policyholders and the industry billions of dollars a year. That’s why EMC is committed to preventing, uncovering, and deterring fraudulent activity through our Special Investigations Unit. The unit is available to provide antifraud training and education for you and your employees.
Fraud Hotline: 800-773-2682