Our carriers provide 24 hour 7 days a week claims toll free reporting for your convenience or you could contact a Claims Advocate at (908) 232-0760.

Common Claims Questions

True & Associates invests heavily in the needs of our clients. We believe strongly in providing clients with Risk Management Services to reduce and eliminate losses. When you have a claim, we aggressively pursue it to make sure you receive the maximum amount to which you are entitled, in the minimum amount of time.

We want to put your mind at ease by providing information to help you feel comfortable with the claim process.

Here we have compiled a list of our customers’ most common claim-related questions and their answers. And if your question is nott covered here, contact a True & Associates Claims Advocate at (908) 232-0760. Remember, we are here to help you every step of the way.

What information do I need to report my claim?

The information needed will depend on the type of claim you are reporting. Typically, however, you will be asked for:

  1. Your contact information
  2. The name and contact information of any other involved parties
  3. Your policy info (if available)
  4. The type of loss you are reporting (auto, home, etc.)
  5. The date the incident occurred
  6. A description of the loss
  7. A description of any injuries

I don’t have all the information needed to report my claim. What should I do?

You should report your claim as soon as possible, even if you do not have all the necessary information. Your carrier’s claim representative will be contacting you throughout the claim process, so you will always have the opportunity to update information.

What happens after I report my claim?

Shortly after reporting your loss, your carrier’s claim representative will call you to discuss what will happen next and what your insurance policy covers. He or she will also answer any questions you have. For auto and property claims, the representative will usually set up a time to inspect the damage in person. Remember, your claim representative is there to be your guide throughout the claim process. We understand that most of our customers are not insurance experts, so we are here to help every step of the way.

How long will it take to settle my claim?

Every loss is different, so the length of time needed to settle a claim varies. The time it takes to inspect the damages and investigate the claim will determine the time needed to settle your claim. Your carrier’s claim representative will help you through each step of the process and answer any questions you have about your claim.

When can I expect payment?

First, the facts of the loss are reviewed to determine what happened and whether the loss is covered by your insurance policy. For damaged property or vehicles, this usually requires an in-person inspection. Once your claim representative determines whether the policy covers the loss, typically a check is dispersed based on your carrier’s estimate of the damages, either on the spot or soon afterward.

What does the term “subrogation” mean?

Subrogation is a process in which your carrier seeks to recover funds on your behalf from the party responsible for the loss. Subrogation assigns blame where it belongs and ensures responsible parties are held accountable for their actions. Consider why your loss happened. What caused your faucet or toilet to leak? Why would a coffee maker catch on fire? Your carrier will be evaluating this information when reviewing the facts of your loss. It is this philosophy that allows payment recoveries from the parties responsible for customer losses.



Emergency Claims Contact Information

Federal Emergency Management Agency (FEMA) Website

Flood Policy Holders

Selective: 877-348-0552

Harleysville: 800-759-8656

Travelers: 800-356-6670

National Flood: 866-947-9489

Personal Lines

Encompass: 800-588-7400

Travelers: 800-252-4633

Selective/Personal & Commercial:

Franklin Mutual Insurance:

Ace Private Client Group:

Jimcor: 201-573-8200

NJ Skylands: 866-279-7688

Met Life: 800-854-6011

Plymouth Rock Assurance:

Commercial Lines

CNA: 877-262-2727

Harleysville: 800-892-8877

Hartford: 800-243-5860

Selective: 866-455-9969

Travelers: 1-800-238-6225