What to Expect After Reporting a Claim
You will receive a call from an insurance company Claims Representative who will review the details of the claim reported by you or your broker. If you do not receive a call from the claims representative within 24 business hours, call Orr Insurance and we will follow up on your behalf.
You will be asked for a detailed description of what happened in the accident. The information you provide will help the claims representative determine fault based on the Ontario Fault Determination Rules. If you are more than 25% at fault, your future premiums may be affected.
The claims representative will discuss where you want your vehicle fixed (if repairable) and explain the advantages of any “Preferred Repair Facilities” they use. Your insurance company has an obligation to repair your vehicle to equal or better condition than prior to the loss, or to provide payment based on the value of a similar vehicle.
If your policy requires you to pay a deductible, you will pay it to the repair shop when you pick up your car, or it will be applied to any “Total Loss Settlement” payment.
Anyone injured in the accident, driver or passenger, can expect to contacted by an Accident Benefits Claims Representative, who will handle the injury portion of the claim.
Call your Orr Insurance Broker at 800.876.4163 if you have any concerns or questions.