Claims FAQs for Public Entities

You should report your claim to your insurance agent as soon as possible, even if you don't have all the necessary information. The faster you do so, the sooner the claims process begins.

As it pertains to first-party automobile and property claims, the deductible is the amount you've agreed to pay out of your pocket before your insurance provider pays for any covered losses. Here's an example: If you suffer a $10,000 covered loss and you selected a $1,000 policy deductible—you would be responsible for paying $1,000 and your insurance provider would pay $9,000.

As it pertains to third-party liability claims, the deductible is the amount of the loss you are responsible for paying. A liability deductible may also apply to expenses paid on a claim, such as payments issued to defense counsel.

Each and every claim is unique, and many different factors can impact how long it takes to resolve your claim.

Subrogation applies only to first-party claims and is a process in which an insurer seeks to recover funds it has paid from the party responsible for the loss. The amount sought in the recovery process will include any deductible applied to the loss. Upon successful recovery, the insured will be reimbursed the appropriate amount of their deductible.

If you are being sued, it is important to notify your agent immediately.

Upon receipt and review of the lawsuit, the insurance company will discuss the case with you and assign defense counsel if coverage exists under the terms and conditions of the policy.

• Water Entities
• Municipalities
• Educational Institutions
• Independent School Bus Contractors
• Other Public Entity Insurance Markets

• Water Entities

  Available in all states except Alaska and Hawaii.

• Municipalities & Other Public Entities:

  Available in all states except Alabama, Alaska, Hawaii, Kentucky, Louisiana, and West Virginia.

  Casualty lines available in Florida, Kansas, Oklahoma, and Texas.

• K–12 Public School Districts:

  Available in all states except Alaska, Delaware, Hawaii, Illinois, Kentucky, Mississippi, New York, Texas, and West Virginia.

  Limited coverage available in Arkansas, Iowa, Florida, Kansas, Louisiana, Missouri, Nebraska, North Carolina, Oklahoma, and Pennsylvania. Casualty lines available in Florida, Kansas, and Oklahoma.

• Private & Select Religious Schools (without dormitories):

  Available in all states except Alaska, Hawaii, Kentucky, and Oklahoma.

• Charter Schools (without dormitories):

  Available in all states except Alaska, Hawaii, Iowa, Kansas, Kentucky, Montana, North Dakota, Nebraska, Oklahoma, South Dakota, Vermont, Virginia, and West Virginia.

• Community & Junior Colleges (without dormitories):

  Available in all states except Alaska, Delaware, Hawaii, Illinois, Kentucky, Mississippi, New York, Texas, and West Virginia.

  Limited coverage available in Arkansas, Iowa, Florida, Kansas, Louisiana, Missouri, Nebraska, North Carolina, Oklahoma, and Pennsylvania. Casualty lines available in Florida, Kansas, and Oklahoma.

• Independent School Bus Contractors

  Available in all states except Alaska, Hawaii, Kansas, and Oklahoma.