Report a Claim

In the event of a claim, promptly report the claim one of the following ways:

Computer with mouse and keyboard alternative icon

Online through Policyholder Access*

Call 24-Hour Claim Reporting: 888-362-2255

Group of cartoon EMC Agents alternative icon

Contact your insurance agent

Contact your local EMC branch office

*Login required. Online claim reporting may not be available to all policyholders.

Claim Reporting Guidelines

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

Auto Accident

If anyone is injured, immediately render any possible first aid assistance and call emergency services.
Report the accident to the police.
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.
Exchange names, driver license numbers, addresses and insurance information with the driver(s) of the other vehicle(s).
Record the following information:
- Date, time and place of accident
- Name and address of owner of the other vehicle, if different from the driver
- Names and addresses of passengers and witnesses
- License plate number of the other vehicle and the witnesses’ vehicles
Take photos of damage to vehicles and/or property, accident scene and identification (insurance cards, license plates, etc.)
Promptly report the claim.

Property Claim

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

Workers' Compensation Claim

Promptly report the claim.
Make sure to file OSHA reports for all work-related fatalities within eight hours and all in-patient hospitalizations, amputations and eye losses within 24 hours after finding out about the incident(s).

Claims Services

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 and service offices, EMC is always close by and ready to help when a claim arises.

You can Count on EMC® 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’s why our primary goal is to handle your claim as fairly and quickly as possible, regardless of the type or size.

Value-Added Services

EMC strives to provide you with the most effective claims cost management programs in the industry. Services provided to our policyholders include access to professional medical management attorneys, expert damage appraisers, and auto glass and repair networks. We also offer highly focused claims consultants and litigation specialists to assist with complex claims. And finally, we employ our Special Investigative Unit to help detect and deter fraud, which can keep your claim expenses down.

Medical Management Services

EMC’s medical management services help your employees receive high-quality medical care in the most cost effective way. We look at the entire return to work process, from preventative measures to getting injured workers back on the job. Our services include medical bill review, pharmacy benefit program and medical file reviews by our staff of bill review specialists, registered nurses, medical claims consultants and certified nurse case managers. We can customize a workers’ compensation program to fit your needs.

Physical Damage Appraisals

Our Estimatics Review Unit specializes in assessing auto, truck, heavy equipment, recreational vehicle, watercraft and specialty equipment damage. We offer full service on physical damage claims, including field inspections, review of independent appraisals and processing of total loss settlements.

Subrogation Recovery

The subrogation team at EMC is staffed by experienced claims professionals who work together to collect payment from the responsible parties for the damage they’ve caused. The process protects you and EMC from paying for an accident that wasn’t your fault. It also reduces your wait time for a liability decision from another insurer. EMC will process your claim and work to recover your deductible and our costs.

Special Investigative Unit

Insurance crime costs policyholders and the industry billions of dollars a year. That’s why EMC is committed to preventing, uncovering and deterring fraudulent activity through our Special Investigative Unit. The unit is available to provide antifraud training and education for you and your employees.

Fraud Hotline: 800-773-2682

Claims Legal Unit

The EMC Claims Legal Unit is comprised of experienced attorneys who assist with complex litigation you may become involved in to make sure you get a top-notch defense. This unit spends time finding experienced law firms to represent you, if necessary. The Claims Legal Unit also has coverage attorneys on staff to review your insurance policy and make sure you get the maximum coverage for any loss you may experience, or for any claim that may be brought against you. These attorneys are also available to explain your insurance coverage and to answer questions you may have regarding your coverage with EMC.