Whether its home or auto, Pronto is committed to handling claims in an ethical, fair, and respectful manner. We understand that when an accident happens, the people involved would like it resolved quickly. Our team is constantly focused on being efficient and proactive.
Here are some key points to remember in the event of an accident involving your home or auto.
1) Protect yourself: Make a reasonable attempt to protect yourself from harm and mitigate loses by moving to a safe area. Use hazard lights, flares, reflectors and flashlights.
2) Assist the injured: Check for injuries and render reasonable assistance to any injured person. If seriously injured, get a doctor or call an ambulance.
3) Report the accident: Call the police even if the damage is minor.
4) Gather as much information as possible: Motorists are required to stop and provide their name, address, insurance information and vehicle registration anytime damage is caused to real or personal property due to an incident involving the motor vehicle they are operating.
If you have a camera and if safe to do so, photograph the accident scene, damage to your vehicle and people involved in the accident.
5) Assist the Officer: Remain at the scene, unless injured, until the officer arrives. Cooperate with the officer by briefly relaying the basic facts.
Operating Hours: The Pronto claims department is available from 8 a.m. - 8 p.m. Monday - Friday and 8 a.m. - 5 p.m. on Saturdays and 12 - 5 p.m. Sundays. After hours you may leave a message at 1-888-224-7740 a representative will contact you on the next business day.
1. Protect yourself: The responsibility of the insured include: taking pictures of non-repaired damage, making temporary repairs to prevent further damage (after pictures are taken if at all possible), preparing an inventory of lost or damaged items. Never discard any items - the claims adjuster will need to see them. Remember to look at every room in your house and at each side on the outside. List all the damage you find. Let your claims adjuster know if your house is damaged to unlivable conditions. Always make a complete room-by-room inventory of the damage.
2. After Reporting A Claim: A claim representative will contact you and set-up an appraisal appointment to conduct an inspection of damages. If you can not live in your house, an advance payment may be available to help you with additional living expenses. That advance payment will be made available by our claim office. Save receipts from additional living expenses and present them to your claim representative. Your claim representative will estimate damage to your house.
Note: Sometimes it's necessary to have a contractor or engineer also inspect the damage. Feel free to obtain your own contractor's estimate. After the damage to your home has been established, our initial payment will be for the actual cash value of your damaged building, allowing for depreciation or market value considerations. Once repairs are completed, you may be entitled to additional payments if your policy has replacement cost provisions.
3. Home Mortgage: If your home is damaged, contact your mortgage company about the damage as soon as possible after you've reported your claim. When we disburse for damages to your home, we are required to protect the interest of the mortgage company, up to the amount of the mortgage balance. In this case, your claim payment will include the name of the mortgage company.
Note: Be sure to ask about the mortgage company's procedure for endorsing your claim payment.
4. After an injury: Check for injuries and render reasonable assistance to any injured person. If seriously injured, get a doctor or call an ambulance. Promptly report it to your agent once documented injuries have been tended to. Obtain names and addresses of any witnesses.
Note: Do not voluntarily make payments, assume obligations or incur expenses, except for emergency first aid at the time of the bodily injury.
To report a claim, here are two simple ways to get started: call our toll free number 1-888-DEVOLADA (338-6523), press option #2 or click here to report your claim online.