In the event of a claim please call our office during regular business hours at your earliest opportunity. We are an integral part of the claims team. Not only can we help you start the process, but we can address any concerns about the effect of a claim on your policy or coverage.


After hours you can report emergency claims directly to the Insurance Company by calling one of the numbers listed below:
  • Aviva / Traders General: 1 - 800 - 590 - 5003

  • Dominion of Canada: 1 - 800 - 661 - 5522

  • Kingsway General: 1 - 866 - 864 - 1112

  • Royal & Sun Alliance: 1 - 800 - 319 - 9993


Things to remember in the event of an Automobile loss:
  • If someone is injured, first find a way to call for help. Next, if an injured person at the scene requires assistance, do what you can. You will be reimbursed for any reasonable expense. This includes, but is not limited to, the cost of first aid supplies and blankets or clothing that may be used or damaged in the process.
  • Most jurisdictions suggest that you call the police if anyone is injured or if the damage to the vehicle(s) exceeds a certain dollar amount (usually $700.00)
  • Do not discuss responsibility for the accident with anyone except the investigating officer.


Information you should get from the police or the other driver:
  • Names, addresses, phone numbers and drivers' license numbers of all drivers and witnesses.
  • Description, plate number and insurance information of the other vehicle.
  • Names of the streets
  • Time of the accident.
  • Investigating officer's name, force and badge number.

If your vehicle requires towing, you have the right to direct tow truck operators to take your car to any shop or location. The choice is YOURS! You will be reimbursed any reasonable expense incurred.


Things to remember in the event of a Property loss:
  • The risks to property are many and varied - theft, fire and flood, to name a few. Your response depends on the type of loss you face but here are some hints to get you started:
  • If you have a theft or vandalism claim, report the loss immediately to the police.
  • If your property is damage, do what you can to protect it from further damage. Reasonable expenses will be reimbursed.
  • Assemble any receipts, warrantee documents and other proofs of ownership for the lost or damaged property.
  • Retain any receipts for expenses or replaced property.

After a loss, your home may not be habitable. You are covered for the increased costs (up to the policy limits) of temporary lodging until you are able to return.


Do not discuss responsibility for any loss with anyone until you have spoken to our office or the Insurance Company.