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How To Start a Claim

At D & H Insurance Group, we know that the manner in which we handle your claim is one of the most important aspects of our relationship with you. We pledge to assist you with each step of the claims process.

To report a claim during business hours, please call our agency at (903) 757-3760 as soon as possible. We will direct you concerning the next steps in the claims process.

Outside of business hours, please contact your insurance carrier directly, then contact us as soon as possible.

The following information may be helpful to you immediately following an accident.

Workers’ Compensation

  • Seek medical assistance immediately – Get the appropriate medical attention.
  • Identify witnesses to the accident (names, addresses and phone numbers).
  • Write up an accident report – It is imperative that you take care of this important step as soon as possible. Talk with employees who witnessed the injury and take photos of the accident scene. Report the accident as soon as possible.
  • Provide workers’ compensation reports, if applicable – Workers’ compensation programs vary by state. For state-by-state details, see the Department of Labor’s Office of Worker Compensation Programs.

Auto/Fleet:

One Vehicle Accident:

  • Stop your vehicle and move it to a safe place.
  • Determine if you or any passengers are injured. Call for medical assistance if needed.
  • Call our office as soon as possible to report the accident. We will verify your coverage/deductible and then advise you to obtain estimates for repairs.

Two (or more) Vehicle Accident:

  • Stop your vehicle and move it to a safe place, if possible.
  • Remain at the scene of the accident, and determine if you or any passengers are injured. Call for medical assistance if needed.
  • Exchange the following information with the other driver(s): names, addresses, telephone numbers, type and ownership of vehicles, insurance information, a description of damages.
  • Get the names, addresses and telephone numbers of any witnesses.
  • Call the police. Cooperate with the police and answer all of their questions.
  • Do not admit fault to anyone. You do not have all of the facts about the accident yet.
  • If your vehicle must be towed, ask that it be taken to a repair shop of your choice.
  • Call our office and report the accident as soon as possible. Our staff will verify your coverage/deductible and set up your claim with the insurance company that carries your policy.

Property (Fire/Water/Wind/Theft/Vandalism/Etc)

  • Make whatever repairs are necessary to ensure no further damage can occur. For instance, turn off the water main for burst pipes, place a tarp on the roof for leaks, etc. (Keep a record of repair costs and retain receipts for these immediate and necessary expenditures.)
  • If the loss involves theft or vandalism, call the police immediately.
  • Call our office to report the claim as soon as possible. We will verify your coverage/deductible and give you advice for obtaining estimates for repairs.