Claims Frequently Asked Questions

Frequently Asked Questions

What should I do if I have an auto accident?

First, be sure you are somewhere safe and away from any potential hazards.

Second, be sure to exchange information with the other driver(s):

• Name, addresses and phone numbers of all drivers and passengers
• Car license plate information and any information on make and model of each car involved in the accident
• Driver license number of parties involved. And insurance information.
• Names and addresses of as many witnesses as possible
• Police report number if appropriate
• Document any damages you observe with photos
• File a police report.
• Contact us to report your claim

What is a deductible?

It's the portion of a covered loss that, according to your policy, you've agreed to pay prior to Mutual of Enumclaw paying for your loss. For example, if you have a covered loss of $5,000 and your deductible is $500, you'll pay the first $500 and we'll pay the remaining $4,500.

Does my deductible still apply when I am not at fault?

Yes, it will still apply. Once your claim is paid, and the adverse party is identified, we will seek to recover the cost of damages and your deductible.

How long will it take to handle my claim?

It depends on the complexity of your claim, how severe the injuries are and damages. Our claims adjusters will work as quickly as possible to resolve your claim in a timely manner.

Will my insurance premium go up if I file a claim?

This will depend on the terms of your policy contract and how many claims or occurrences you have filed, as well as insurance regulations for your state. Your Independent Agent can answer these questions for you.