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When
it comes to claims, our
companies are professional
and prompt in settling legitimate
claims.
We
work with our Insurance
Companies to prevent fraud.
Fraud hurts us all. Please
report suspected fraud. |
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Please follow these quick links to a number of our Top Insurance carriers in order to set up an insurance claim. You can also call the numbers shown further down this page in order to set up a claim with an adjuster over the phone. |
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| ASK
THE ADJUSTER
WEB SITE
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following link
may be helpful
when you have
a claim. The adjuster
will assist you
with the claim
and settle it
with the insurance
company. Be sure
to be honest and
clear with them.
They are there
to help, but also
to protect you
and me from fraudulent
claims that increase
our premiums.
We are here at
J D Smith to give
you advice at
any time. We advise
our clients NOT
to put in small
claims and
lose the good
claims discount
you have with
the company. Keep
in mind that all
claims are recorded
and available
to all companies
for future policy
rating. This helps
keep the rates
down for those
of us with rare
claims. Go
to site... |
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| Emergency
Company Contacts 24
/ 7 |
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We
have set up a direct line
for you to call the Insurance
Company for large emergency
claims.
Direct
contact with your Insurance
Company 24/7 is possible.
Note that the best way, ESPECIALLY IF THE Claim is Minor, is to talk to your personal Broker first, for advice and Deductible Information.
Each Insurance Company does have their own web site, and you are welcome to go direct to their site on the web and report the claim or problem, but PLEASE copy our office as well to, manager@jdsmithinsurance.com.
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| Aviva
Insurance |
1-866-MY AVIVA
(1-866-692-8482) |
Dominion
Insurance
Chieftain Insurance
Travelers Insurance
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1-800-661-5522 |
| Ecclesiastical
Insurance |
1-888-224-5677 |
| Economical
Insurance |
1-800-607-2424 |
| Intact
Insurance |
1-866-464-2424 |
| JEVCO
Insurance |
1-866-864-1112 |
| Perth
Insurance |
1-800-607-2424 |
| Unica
Insurance |
1-866-864-1113 |
| Wawanesa |
1-844-929-2637 |
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| When You Have an Auto Accident |
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 Call
our office and speak
to your Customer Care
Representative.
1-800-917-SAVE
- Obtain the third party’s driver’s license number, year, make, model and serial number for the vehicle from the ownership, the vehicle’s license plate number and insurance company and policy number from the pink liability slip for this vehicle.
- Then take your vehicle to the Collision Reporting Centre within the area.
- The police will complete a report and look at the damages to your vehicle.
- They will send a copy of the report to your Insurance Company.
- Call your Broker to report the incident and we will provide a full report to your Insurance Company to get your claim started.
All Insurance Companies have “Preferred Shops” that they will refer to you for the repairs to your vehicle. These “Preferred Shops” guarantee their work to the Insurance Company. |
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| Reporting
Your Home Claim |
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 Call
our office and speak
to your Customer Care
Representative.
1-800-917-SAVE
- Remember, leakage
claims are not covered.
- Damage must be
caused at your location.
- Hydro outage or
surges are not normally
covered.
- Your deductible
may be more than
your claim.
In
today's insurance
climate, it is wise
to pay small claims
yourself. |
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| Commercial
Claims
- For any company, if you
cannot reach them directly
using the numbers above,
our 24 hour hotline is 1-888-224-5677
for fire or water damage
when you have a large claim.
This line is to Crawford
Adjusters who will assist
you & will contact your
insurance if you have tried
the numbers above without
success. |
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| New Auto Policy Coverage and Benefits |
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A few years ago the Ontario Government revamped the rules and coverage available for Auto Insurance. The following information should be helpful for you as you review your insurance coverages.
These
changes
provide
consumers
with
more
choice
and
flexibility
to
purchase coverage
that
best
meets
their
protection
needs
and
budgets.
You
now
have
choices
to
customize
your
medical
and
rehabilitation
benefits,
certain
deductibles
and
income
replacement
coverage.
The
following
chart
summarizes
these
changes. |
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New
Auto
Policy
coverage
–
effective
as
of
your
renewal
date. |
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| New
options
now
available
–
If
you
want
to
increase
your
benefits,
here
are
some
of
your
new
options. |
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Medical
&
rehabilitation
expenses
to
a
limit
of
$50,000
for
non-catastrophic
injuries.
This
coverage
is
in
your
expiring
policy
but
the
limit
has
been
reduced
to
$50,000
in
your
renewal
policy. |
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You
have
the
option
to
increase
the
limit
to
$100,000
for
non-catastrophic
injuries. |
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Attendant
care
expenses
to
a
limit
of
$36,000
for
non-catastrophic
injuries.
This
coverage
is
in
your
expiring
policy
but
the
limit
has
been
reduced
to
$36,000
in
your
renewal
policy. |
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You
have
the
option
to
increase
the
limit
to
$72,000
for
non-catastrophic
injuries. |
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Caregiver,
Housekeeping
&
Home
Maintenance
expenses
only
available
for
catastrophic
injuries.
This
coverage
is
in
your
expiring
policy
for
both
catastrophic
and
non-catastrophic
injuries.
It
is
not
in
your
renewal
policy
for
non-catastrophic
injuries. |
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You
have
the
option
to
purchase
this
coverage
for
non-catastrophic
injuries |
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Deductible
of
$30,000
when
suing
for
pain
and
suffering.
This
continues
to
be
the
standard
deductible
provided
for
by
law. |
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You
have
the
option
to
reduce
the
deductible
to
$20,000 |
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The
goal
of
these
changes
is
to
achieve
rate
stabilization
by
keeping
the
costs
incurred
by
insurers
in
check
with
emphasis
placed
on
Accident
Benefits
coverage.
Without
these
reforms,
major
rate
increases
would
be
required. |
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| A
Bridge Too Small |
Click
to see the full series |
- Sometimes
we ask "stupid"
questions or, maybe,
the U/W asks "stupid"
questions like,
say, has the Insured
surveyed route they
are going to take?
- Have
they obtained approvals
for the route from
the local authorities?
- Did
they check the quality
of the roads, clearance
of overhead wires,
bridges and tunnels.
- Did
they determine the
CAPACITY of that
little BRIDGE they
were going to use?
- Sometimes
those "stupid"
questions aren't
so stupid after
all.
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| Giant
Mine Widows Denied
$10.7-Million Award |
Click
for full story |
The
Supreme Court of
Canada has sided
with the Northwest
Territories Court
of Appeal in overturning
a lower court award
of $10.7 million
to the families
of nine miners murdered
in 1992.
(more....)
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| Roofer
Liable for $2.3 Million
in Damages for Church
Fire |
Click
for full story |
The
Supreme Court of
British Columbia
recently found Sur-Del
Roofing Limited
responsible for
a 2004 fire that
destroyed a Mennonite
Church in Abbotsford,
B.C.
(more....)
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| Winners
of the Annual Stella
Awards |
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The
Stella's are named after
81-year-old Stella Liebeck
who spilled coffee on herself
and successfully sued McDonalds.
That case inspired the Stella
Awards for the most frivolous
successful lawsuits in the
United States.
5th
place (Tied)
Kathleen Robertson of Austin,
Texas was awarded $780,000
by a jury of her peers after
breaking her ankle tripping
over a toddler who was running
inside a furniture store.
The owners of the store
were understandably surprised
at the verdict, considering
the misbehaving toddler
was Ms. Robertson's Son.
5th
place (Tied)
19-year-old Carl Truman
of Los Angeles won $74,000
and medical expenses when
his neighbour ran over his
hand with a Honda Accord.
Mr. Truman apparently did
not notice there was someone
at the wheel of the car
when he was trying to steal
the hubcaps.
5th
place (Tied)
Terrence Dickson of Bristol,
Pennsylvania was leaving
a house he had just finished
robbing by way of the garage
door. He was not able to
get the garage door to go
up since the automatic door
opener was malfunctioning.
He could not reenter the
house because the door connecting
the house and garage locked
when he pulled it shut.
The family was on vacation
and Mr. Dickson found himself
locked in the garage for
8 days. He subsisted on
a case of Pepsi he found
and a large bag of dry dog
food. He sued the homeowner's
insurance claiming the situation
caused him undue mental
anguish. The Jury agreed
to the tune of $500,000.
4th
Place
Jerry Williams of Little
Rock, Arkansas was was awarded
$14,500 and medical expenses
after being bitten on the
buttocks by his next door
neighbour's Beagle dog.
The Beagle was on a chain
in its owner's fenced yard.
The award was less than
sought because the jury
felt the dog might have
been a little provoked at
the time as Mr. Williams,
who had climbed over the
fence into the yard, was
shooting it repeatedly with
a pellet gun.
3rd
place
A Philadelphia restaurant
was ordered to pay Amber
Carson of Lancaster, Pennsylvania$113,500
after she slipped on a soft
drink and broke her coccyx
(tailbone). The beverage
was on the floor because
Ms. Carson had thrown it
at her boyfriend 30 seconds
earlier during an argument.
2nd
Place
Kara Walton of Claymont,
Delaware sued the owner
of a nightclub in a neighbouring
city when she fell from
the bathroom window to the
floor and knocked out two
of her front teeth. This
occurred whilst Ms. Walton
was trying to crawl in through
the window of the Ladies
Room to avoid paying the
$3.50 cover charge. She
was awarded $12,000 and
dental expenses.
1st
Place
This year's runaway winner
was Mr. Merv Grazinski of
Oklahoma City, Oklahoma.
Mr. Grazinski purchased
a new Winnebago motorhome.
On his trip home from an
OU football game, having
driven onto the freeway,
he set the cruise control
at 70 mph and calmly left
the drivers seat to go into
the back and make himself
a cup of coffee. Not surprisingly,
the RV left the freeway,
crashed and overturned.
Mr. Grazinski sued Winnebago
for not advising him in
the owner's manual that
he could not actually do
this. The jury awarded him
$1,750,000 plus a new Winnebago
Motor Home. The company
actually changed their manuals
on the basis of this suit
just in case there were
any other complete morons
buying their recreation
vehicles.
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