PLEASE NOTE: All claims should be reported to your broker as soon as possible after the loss. Your broker knows your policy and can answer your questions. All theft and vandalism claims must be reported to the Police. For your convenience, you can print out the Automotive Claim Form or the Homeowner Claim Form and FAX it to your broker, or , to our office at 1-519-352-5344

CLAIMS INFORMATION

The reason we have insurance is to give you peace of mind! Our Mutual provides excellent claims service that is friendly, fair and consistent.

In the event of a claim, contact your broker.

24-HOUR EMERGENCY CLAIMS SERVICE

To better serve your needs, we have introduced the 24-hour service toll free telephone line. Policyholders can either contact their broker to report a weekend or after hours claim which requires immediate attention, or they can call :

1-800-Ajust4 (1-800-235-8784)

PROPERTY LOSS - WHAT TO DO

If you feel you have a possible loss which is covered by your policy the following steps should be taken as soon as possible:

1. Contact your Agent or Broker or our Office. An adjuster will be assigned at the earliest opportunity. A prompt and fair loss adjustment is made easier when the damages are seen before repairs are begun.
2. If the loss is due to theft, burglary, robbery, vandalism or malicious acts, you should give immediate notice to the police or other authorities having jurisdiction.

AUTOMOBILE INSURANCE HAS CHANGED

Reforms effective October 1, 2003:

• Introducing pre-approved treatment of whiplash injuries;
  
• Changing your policy so that if your car is stolen, your insurance company will subtract the deductible. This change takes effect for policies issued or renewed on or after October 1, 2003.
  
• Clarifying your policy so that if your car is a total loss (or write-off), and you have coverage with a deductible, your insurance company will subtract the deductible. This clarification takes effect October 1, 2003.
  
• Introducing rules about the kinds of injuries that would allow you to sue for pain and suffering and health care expenses, and about what kind of evidence is required for a successful lawsuit. These rules apply to accidents occurring on or after October 1, 2003.
  
• Changing the deductibles that apply to pain and suffering court awards from $15,000 to $30,000 (and from $7,500 to $15,000 for dependents' awards). These changes apply to accidents occurring on or after October 1, 2003.
  

Reforms effective November 1, 2003:

• Prohibiting unfair business practices by health care providers and paralegals;
  
• Introducing a code of conduct for paralegals working in the auto insurance system.

Reforms effective April 15, 2004:

• Changing the standard collision deductible to $500 for contracts issued or renewed on or after April 15, 2004. You will continue to have the option of purchasing other deductibles.
  
• Changing the availability of income replacement benefits and attendant care benefits for those with whiplash injuries in accidents occurring on or after April 15, 2004.