Experiencing a potential financial loss can be an extremely stressful time, especially if you are trying to decide whether to submit a claim.
First, if you a currently in this position, we are so sorry. We are here to help you in the decision of what to do, and with the entire process if you choose to go forward. It’s part of our commitment to comfort. Contact us. We’re here to help.
Calling us to discuss your potential claim is one of your best decisions. One common misconception is that discussing a claim with us will automatically log something on your insurance record. This is absolutely false. Our priority is helping you determine what to do.
Please know that our intention is not in any way to try to influence you not to submit a claim. We are an independent broker, who is here for our clients. Period. If submitting a claim is the right thing for you, we will encourage you wholeheartedly to do so.
People ask about submitting a claim, because making a claim can affect your rates. Insurance rates are determined based on risk. It has been statistically proven that a person with prior claims is more likely to submit a claim again in the future. Higher number of claims = higher risk = higher premium.
We have drastically over simplified a claim’s effect on rates, but the bottom line on the question is, it depends. It can depend on a variety of factors including your financial situation, the size of the claim, your claims history, your deductible, and many other considerations.
We are happy to look at your situation together and guide you through the decision process. Contact one of our experienced account managers for assistance.
355 Laurier Street | Bathurst, NB
27 Rue Costigan | Edmundston, NB
Open weekdays from 8:30am - 4:30pm