Should I file an insurance claim?

We’re sorry if you’ve suffered an accident or have experienced property damage that requires you to file a claim on your insurance policy. That’s why you have insurance, though–to protect you when something bad happens. At Tom Ruggirello Insurance Agency, we’re here to help guide you through every step of the claims process.

Filing a car insurance claim

If there’s a slight chance someone has suffered an injury as a result of an accident you were involved in, you must file a claim. If you choose not to file, you won’t have the car insurance policy to protect you from a lawsuit. In our experience, exposing oneself to such financial risk is inadvisable. If someone sues you as a result of their injuries and your role in the accident, you could lose everything. In such circumstances, it’s imperative that you file a claim.

However, in certain situations, it makes sense to not file a claim. Remember: Keeping your insurance record clean will probably help keep your rates down.

If you’re wondering in what situations you should or shouldn’t file a claim on your car insurance, this special report can help inform any future decision you might need to make.

Filing a business insurance claim

As with home and car insurance, keeping the number of claims on your business insurance policy to a minimum can help you keep your rates down. However, with so much invested in your business, you can hardly afford not to make a claim if a legitimate need arises. If someone is injured on your property, for instance–even if the injury seems slight–filing a claim on your business insurance provides your best protection against any potential lawsuit. The same goes for any injury sustained on the job by one of your workers.

Tom Ruggirello Agency makes the claims process as easy & hassle free as possible

At Tom Ruggirello Insurance Agency, we know that filing a claim can be a traumatic, confusing experience. However, if you partner with us for your insurance needs, you can rest assured that you’ve chosen a compassionate, experienced partner who’s walked hundreds of clients through the claims process. We’d be honored to help you through the process, too, if ever the need should arise.

As your independent insurance agent, we’ll do our best to make the claims experience as smooth as possible.

To begin, please contact the insurance company directly to inform them of the claim. The insurance company will then notify us.

To help you get started, we’ve compiled a listing of all the insurance providers with whom we partner below.

If think you’re not being treated fairly, need additional help along the way or want to share your positive experience with us, please don’t hesitate to call our offices at 772-621-9966! For additional information on specific claims processes, please visit our insurance resources page.

COMPANYPHONE NUMBER
Universal Property & Casualty Insurance Co800-218-3206
St. Johns Insurance Company800-748-2030 option 3
Tower Hill Insurance Company800-216-3711
Federated National Insurance Company800-293-2532 option 2
Citizens Insurance Company866-411-2742
Cypress Insurance Company800-765-1347 option 1
United Property & Casualty Insurance Company800-861-4370 option 5
Florida Peninsula Insurance Company877-229-2244 option 1
Southern Fidelity Insurance Company866-874-7342 option 1
Safeco Insurance Company877-566-6001 opt 1, 1
Progressive Insurance Company877-776-2436 option 5
Travelers Insurance Company800-243-1334 option 3
Gainsco Insurance Company800-526-8016
Infinity Insurance Company800-782-1020 opt 1, 1
Foremost Insurance Company888-888-0080 claims