Will filing a claim increase my rates?

Having the following information ready can help streamline the process:

• Your policy number, if available
• Date and time of the incident
• Photos or videos of the damage
• Contact information of anyone involved
• Police or incident reports, if applicable
• Receipts for emergency repairs or temporary protective measures

Don’t worry if you don’t have everything immediately. We can help guide you through what’s needed.

Once a claim is reported, your insurance carrier will assign a claims adjuster to review the loss. The adjuster may:

• Gather additional information
• Review photos and documentation
• Inspect the damage, if necessary
• Determine how coverage applies under the policy
• Explain next steps and any claim payments that may be issued

Your adjuster will serve as your main point of contact throughout the process and can answer any questions about claim status, payments and timing.

To officially begin the claims process, you'll typically need to report the claim directly to your insurance carrier. They handle the claims process from start to finish, including investigation, coverage determination and settlement.

If you experience communication delays or other difficulties with the insurance company, reach out to us for help.

Note: Gate City Insurance Agency does not have claims authority to make a coverage determination in a claim.

Your deductible is your out-of-pocket expense, or the amount you owe, in a covered claim.

Note: For auto insurance claims where you have payment arranged to go directly to your repair shop, you will need to pay your deductible to the shop when you pick up your repaired vehicle.

Great question! If you’d like to set up your round-up funds with Simply Save to deposit into an account you don’t own (as an example, for a child or other relative), just complete the Simply Save authorization form. (Note: The account that will receive the round-up Simply Save funds must be an eligible Gate City Bank account.)