When you have a claim outside of our office hours, please report your claim to the 24hr emergency numbers listed below. We have also included a few of our agency staff members that can be contacted out side of normal business hours.

                                       Insurance Contact Numbers

Citizens	(800) 628-0250	Auto Owners	(888) 252-4626
Chubb	(800) 252-4670	State Auto	(888) 748-1023
Cincinnati	(248) 473-7606	St. Paul-Travelers	(800) 252-4633
		Westfield	(800) 552-9144
Dearborn Agency Emergency Numbers
Kathie Cude	(313) 336-6975	Sandi Putnam	(313) 274-9323
Craig Drew	(248) 442-7281	Wendy Beever	(248) 347-6692

PROPERTY

Take immediate action to secure your property from sustaining further loss or damage. Contractors should be called to perform emergency procedures to protect your property until an adjuster is able to contact you.

AUTOMOBILE

Always obtain the following information. If there are any injuries to you or drivers of other vehicles involved, be sure to let us know immediately. If your vehicle is drivable, an estimate can be obtained any time. However, repairs cannot be completed until authorization is received from the claims adjuster. Authorization for a rental vehicle must also come from the adjuster. Police Report Name, address, and phone number of other drivers involved.

WORKERS COMPENSATION

Notify your Insurance Company of any injuries to an employee immediately. A Form 100 is required and can be faxed to the Insurance Company or filed over the phone. If you anticipate that the employee will be off more that 7 days, wage information will be required. If less than 7 days, do not include on the form 100. When sending the employee to a medical clinic or hospital, be sure that the facility is notified to direct all billings to the Insurance Company.

LIABILITY

In the event you receive legal papers, fax copies immediately to our office and mail the original copies as soon as possible. This is very important as the claims adjuster has a specific period of time in which they must respond to the action. If the claim has already been filed, the paperwork can be faxed to your claims adjuster. If it is a new claim, provide the details to the incident and all that you can recall.

MISCELLANEOUS

You should always expect to hear from a claims adjuster within 72 hours of notification of a new claim. In the event you do not, please contact a staff member at The Dearborn Agency, Inc. immediately. We will step in and contact the Insurance Company. We are here to ensure that the handling of your claim is handled smoothly and expeditiously.