Filing a Claim

Filing an Insurance Claim

We are ready to help.  Please contact us by email or by phone  at 713-963-8777.

Travelers claim number toll free is 800-252-4633

 

We’ll Be There When You Need Us

When Texas customer Susan Marvin’s home was damaged by fire, she needed help getting her life back to normal. Our representative’s expert knowledge and reassuring manner helped get Susan back in her home quickly, with minimal hassle.

Top 10 Auto insurance claim terms:

Get the most out of your auto policy by understanding these key terms.

Collision vs. Comprehensive coverage
Collision coverage helps pay for damage to your vehicle if it hits another car or object, is hit by another car, or rolls over.

Comprehensive coverage helps pay for damages to your vehicle that are not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms, and certain natural disasters. Typically, comprehensive coverage also covers glass damage. For Travelers policy holders ConciergeCLAIM® Travelers’ one-stop program that provides convenient and efficient auto repairs through one of our partner body shops. You always have the right to decide where your vehicle will be repaired. If you choose ConciergeCLAIM, you’ll receive quality repairs that are guaranteed for as long as you own your vehicle. Learn more on travelers.com/conciergeclaim.

Deductible
The fixed dollar amount that is your responsibility as the policyholder. For example, if your policy includes a $1,000 deductible, you will be required to pay that amount towards the repair of the damages, or that amount will be deducted from your payment if your vehicle is damaged beyond repair or a settlement check is sent to you directly.

Depreciation
Your car may lose value over time due to factors such as age, wear and tear, and obsolescence. When the insurance Company is determining the value of your vehicle, depreciation will be among the factors considered.

Investigation All claims need to be investigated. This may entail reviewing the details of your accident, contacting witnesses and assessing the damages.

exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.

If you cause an accident, hurt someone or damage property, this coverage may provide compensation to the harmed party or pay for your legal expenses if you are sued. This coverage is required in most states.

Rental coverage
If you have rental coverage and your car is damaged during an accident, this coverage may pay all or a portion of the costs associated with renting alternative transportation.

Roadside assistance/Towing
If your vehicle cannot be driven as a result of damage or mechanical failure, Travelers may be able to help. Depending on your policy coverages, there may be charges for which you will be responsible.

Subrogation
If another person is responsible for the damage to your property, Travelers may seek reimbursement from that other person or that person’s insurance carrier. If there is a recovery, you may receive reimbursement for some or all of your deductible.

Total loss
When a vehicle is considered unsafe to use or damaged beyond repair.