What to Do After an Auto Accident

Move out of the way of traffic and turn on your hazard warning lights.
Call the police even in a minor accident. If someone is injured, request medical assistance. If fire is involved, request fire department aid.
Do not discuss the accident with anyone other than the police or your insurance company representative.
Exchange necessary information with the other driver(s). Be sure to write down the other driver's name, address, phone number, license plate number and insurance information. Also write down the contact information of all witnesses.
Report the accident to your insurance company as soon as possible. The faster you report your claim, the sooner you can get back on the road.

What to Do After a Loss to Your Home or Property

Promptly report the loss to your insurance company.  The faster you report your claim, the sooner your insurance company can help you.
Protect property from further damage by arranging for reasonable temporary repairs as soon as possible. For example, if windows are broken, have them boarded up to protect your home and property against vandalism or weather damage.
Keep an accurate record of all temporary repair expenses (e.g., bills and/or material receipts) so that you can add the amount to your claim. Also, keep an accurate record of any and all expenses incurred to be considered for possible reimbursement. Please do not make any permanent repairs until the insurance adjuster has had a chance to review the damage.
Determine the damage to your personal property (contents). Make a written list of what was damaged. To be as accurate as possible, please include the manufacturer, brand name and the place and date of purchase. We recommend beginning this process by dividing your list into broad categories such as location (e.g., living room, bedroom #1, bedroom #2). If available, photographs, videotapes or personal property inventories are valuable resources during the itemization process.
Separate damaged and undamaged property. In order to complete a full assessment of the loss, your claim representative will need to inspect all damaged property. If possible, place damaged items in a secure area where they can be inspected. If you are unsure about any item, please include it with the damaged property.

Flood

Before
Learn the flood warning signs and alert signals of your community.
Collect emergency building materials if you live in a frequently flooded area: plywood, plastic sheeting, lumber, nails, shovels and sandbags.
Prepare a survival kit.
Plan and practice an evacuation route. Establish a meeting place should your family get separated.
Review how to shut off utilities in an emergency with all family members.
Check your insurance policy. Ask us about flood insurance. Homeowners policies do not usually cover flood damage.

During
Listen to a battery operated radio or television for the latest storm information. If advised to evacuate, do so immediately.
Move to high ground, avoid rising waters and do not walk or drive through any floodwaters.
Stay away from downed power lines and electrical wires.

After
Listen to the radio and do not return home until authorities indicate it is safe to do so.
Be watchful of snakes that may have found their way into your home.
Throw away all food that has come in contact with floodwaters.
If your basement has flooded, pump out the water gradually. Remove about 1/3 per day to avoid structural damage.
Promptly report the loss to your insurance company using the toll-free claim reporting number.

Tornado

Before
Learn the warning signs and alert signals of your community.
Understand the difference between a tornado watch and a tornado warning. A watch means that tornadoes may develop, while a warning means that a tornado has been sighted and you should seek shelter immediately.
Prepare a survival kit.
Conduct drills with your family. Designate an area of your home as a shelter and practice what the plan would be should a tornado occur.
Move cars and other outside objects inside the garage.

During
At home:
Seek shelter away from windows in the center of the room. Basements and storm cellars are the best havens, but if there is no basement, take cover in a bathroom, closet, or under a sturdy piece of furniture.

At work or School:
Go to the basement or an inside hallway at the lowest level. Keep away from large, open areas such as auditoriums, cafeterias and gymnasiums. Lie low and use your arms to protect the head and neck.

In a car:
Do not try to outrun the tornado. Stop the car, get out, and if there is no facility nearby to take shelter in, lie in a low area such as a ditch.

After
Keep calm. Stay in your shelter until after the storm is over.
Listen to the radio or television for the latest storm information.
Check for gas leaks or electrical system damage.
Watch for downed power lines when going outside.
Promptly report the loss to your insurance company using the toll-free claim reporting number.

Survival Kit
When preparing for a disaster, be sure to make a survival kit that includes: Canned or other non-perishable food
Non-electric can opener
First aid kit and manual
Portable radio and/or television
Flashlights
Extra batteries
Water in non-breakable containers
Prescription medicines as needed
Extra clothing and blankets
Emergency cash and credit cards
A copy of your insurance policy(s)