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Report a Claim

In the event of a claim, promptly report the claim to your insurance agent, your local EMC claim office or call our 24-Hour Claim Reporting service at 888-EMC-CALL (888-362-2255).

If you are a personal insurance customer and need to report a home, personal auto, motorcycle or dwelling claim, you can do so online by logging into Policyholder Access. This service is available to personal lines policyholders with participating agents.

The following are general guidelines for auto, property and workers’ compensation claims:

Auto Accident

  1. If anyone is injured, immediately render any possible first aid assistance and call emergency services.
  2. Report the accident to the nearest police station and file any necessary reports.
  3. Cooperate fully with the police, but do not make any admissions about your liability. Do not sign any statements for anyone other than an authorized representative of your insurance company.
  4. Exchange names, addresses and insurance information with the driver of the other vehicle.
  5. Record the following information:
    • Date, time and place of accident
    • Name and address of owner of the other vehicle, if different from the driver
    • Driver’s Social Security number and driver license number
    • Names and addresses of passengers and witnesses
    • License number of the other vehicle and the witnesses’ vehicles
  6. Promptly report the claim.

NOTE: If you plan to travel by car in Canada or Mexico, check with your agent for insurance requirements.

Property Claim

  1. If anyone is injured, immediately render any possible first aid assistance and call emergency services.
  2. Take appropriate steps to avoid further damage to the property.
  3. Promptly report the claim.

Workers’ Compensation Claim

  1. Promptly report the claim.
  2. Make sure to file OSHA reports within eight hours if the claim involves a fatality occurring at work or hospitalization of three or more employees.

Have a Claim to Report?

Most personal insurance policyholders can report home, auto, motorcycle and dwelling claims on Policyholder Access. Login to get started.
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