What should I do first after a car accident?
Check injuries, call 911 if needed, exchange info, document, notify your insurer.
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Claims FAQs
After a loss, adjusters, subrogation.
How do I file a claim with Stockton-Hill?
Call (740) 642-3333 or use /claims/. The insurer handles the claim; SHI helps you through it.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
What is an insurance adjuster?
Investigates the loss and applies the policy.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
What is subrogation?
Insurer pays you then seeks repayment from the at-fault party.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
What is a reservation of rights letter?
Insurer may defend/investigate but later deny if coverage does not apply.
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How long do I have to report a claim?
Promptly—policies require timely notice.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
What is a proof of loss?
Sworn claim form some property insurers require.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
Can I choose my own repair shop?
Often yes; ask about preferred shops and your rights.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
What if the other driver is uninsured?
UM/UIM may help injuries; collision can repair your car subject to deductible.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
Should I give a recorded statement?
Be truthful; follow your insurer's guidance. For injuries consider counsel before detailed statements to the other insurer.
Call Stockton-Hill Insurance at (740) 642-3333 or use /contact/.
Questions about your coverage? Request a personal quote or call (740) 642-3333.
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