What To Do If You Have A Loss
Windshield and Glass Repair
(Available when you carry comprehensive coverage)
You are covered up to the amount of loss minus your
comprehensive deductible. If the damage can
be repaired without replacing the glass your deductible
is waived.
For windshield and glass damage, call our glass
repair network toll free at 800-477-0553. A representative
will schedule a convenient time and place to make
repairs. Mobile repair will come to your home, office,
or other convenient location.
Towing and Labor (Available when you carry Towing
and Labor coverage)
If you need to have your car towed, contact the
tow company of your choice directly. Pay the tow
company at the time of service and submit the bill
to National Merit for reimbursement. This also pertains
to lockouts, jumpstarts, and other labor related
services covered under Towing and Labor.
Minor Losses
If you have a minor loss to your auto or residence
property, report the loss here on our website 24
hours a day, or contact a claims representative
direct at 800-477-0553. Our normal business
hours are 8:00 a.m. to 5:00 p.m. PST, Monday - Friday.
If outside our normal business hours you may leave
a detailed message and a representative will contact
you on the next business day.
Major Losses or Claims Emergencies
In the unfortunate event you have a serious loss
involving bodily injury or severe damage to your
vehicle or property, our claims staff is available
24 hours per day. Call 800-477-0553 to speak
directly to a live operator who will alert a claims
representative for immediate assistance.
Obtain Information and Pertinent Facts
Vehicle Loss
If you are involved in an automobile accident, obtain
the following information as outlined on the back
of your ID card:
- Driver's name and driver's license number.
- Driver's insurance company and policy number.
- Names and phone numbers of occupants in the other car.
- Description and license plate number of the other car.
- Names and phone numbers of any witnesses to the accident.
Property Loss
- Call us right away, and in the case of theft, the police.
- Protect your property from further damage.
- Prepare a detailed inventory of your damaged personal property. Keep the damaged property so we can inspect it.
Liability Loss
- Call us right away.
- Promptly send us copies of any notices or legal papers you get because of an accident.
- Cooperate with us in the investigation, settlement or defense of any claim or suit.
- Don't make any payment or assume any obligation other than first aid.
