Claim Services
EMC Insurance Companies Claim Philosophy
A true measure of an insurance company is how appropriately it responds to your needs at the
time of a loss. Through our network of strategically-located branch offices, we are
always close by and ready to help when a claim arises.
You can count on EMC Insurance Companies to:
- Investigate every claim
- Explain what is covered and what is not covered
- Pay the claims we owe as quickly as possible
An insurance claim has a financial and personal impact. That is why our primary goal is handling your claim as fairly and quickly as possible, regardless of the type or size.
Local Service
We have a comprehensive approach to claims that combines responsive local service
with innovative programs to help control overall costs. When it comes to responding to a claim,
EMC will be there with the outstanding local service you deserve. Through our network of
strategically-located branch and service offices, we’re always close by when
a claim arises. Our primary goal is to handle it with as little interruption
to you and your business as possible.
Value-Added Services Help Manage Costs
EMC strives to provide you with the most effective claims cost management
programs in the industry. We provide professional medical management, expert
damage appraisers, and auto glass and auto repair networks to our
policyholders free of charge. We also offer highly-specialized claims
consultants and litigation specialists to assist with specialized claims.
And, we employ a special investigative unit to help detect and deter fraud.
Medical Management
EMC’s medical management services help your employees receive
high-quality medical care while offering your company the opportunity to
realize considerable cost savings. Our nurses, medical consultants, case
managers and vocational rehabilitation specialists work directly with both
you and healthcare providers to assist out-of-work employees in returning to the job as
soon as possible without compromising their medical condition. Tailored to
fit the needs of your business, services can range from reviewing medical
bills to overseeing major workers’ compensation medical and disability cases.
Physical Damage Appraisals
Our estimate review unit is specialized in the assessment of auto, truck,
heavy equipment, recreational vehicle, watercraft and specialty equipment
damage. Services include field inspections, independent appraisal review and
total loss settlement processing. Also available is our preferred repair
shop program, 1st Choice Repair, which enables insureds and claimants to
choose a repair facility and have repairs started within 24 hours. To better
monitor the repair process, EMC appraisers review physical damage estimates
and work directly with the body shop of your choice to establish an agreed
price for repairs. With our auto glass replacement and 1st Choice Repair
networks, you can rest assured that you will receive the appropriate repairs
at a fair price. In the case of a catastrophic or storm-related event, our
staff of appraisers is ready to travel to the site of a loss to write both
property and auto repair estimates.
Subrogation Recovery
The subrogation team at EMC Insurance Companies is staffed by legal and claims
professionals who work together to collect payment from the responsible parties for the
damage they’ve caused. By directly handling litigation rather than using outside
counsel, EMC maximizes the dollars recovered by minimizing the costs associated with doing so.
Special Investigative Unit
Insurance crime costs the industry—and consequently, its
policyholders—billions of dollars a year. That’s why EMC is committed to
uncovering fraudulent claims activity through our special investigative
unit. Located within our home office in Des Moines, Iowa, but with resources
throughout the country, this special unit enhances EMC’s anti-fraud strategy
in the areas of detection, deterrence, investigation and, ultimately,
prosecution. The unit also provides training and education for our
policyholders and, through our Partnership Against Insurance Crime program,
helps leverage the resources of policyholders, agents and company personnel
to deal head-on with the issues relating to insurance crime.
