Plymouth Rock Claims FAQs

Claims

1. What information do I need to report a claim?

When contacting Plymouth Rock about a claim, please be ready to provide your name and address, names and addresses of any witnesses or injured parties, general loss information, and your Plymouth Rock policy number (if available). If you don’t have all of this information, do not wait to report the loss. Please report the claim with the information you have. The claim can be updated later once the information becomes available.

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General

1. Do I need a police report in order to report a claim to Plymouth Rock?

A police report is helpful in assisting with the reporting of a loss, but it is not mandatory. However, you may be required by law to report your accident to authorities. An accident can be reported with minimal information and a police report can be obtained later in the process.

Are you a New York driver? New York State Vehicle and Traffic Law mandates that all involved drivers are required to file a Report of Motor Vehicle Accident (MV-104) with the DMV no more than 10 days after the accident if the accident involves $1,001 or more in property damage to any one person is injured or killed.

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2. How do I report a loss?

If you are a policyholder and need to report a claim, please click here to report your claim online. If you are not a policyholder or you prefer to report your claim by phone, call 800-437-3535.

If you are a New York policyholder, or were involved in an accident with a New York policyholder, and wish to report your claim by phone, call 844-208-1933.

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3. What should I do after an accident?

If you are ever in an accident, follow these simple steps:

1. Make sure that everyone is safe and that medical/emergency care is being provided.
2. Notify the local police.
3. Write down the following information: location, date, and time.
4. Names, addresses, and license numbers of other drivers and passengers (if possible).
5. License plate numbers and vehicle descriptions.
6. Injuries to you and others, if any.
7. Names and telephone numbers of any witnesses.
8. If you have the ability to take photos of the accident scene, please do so and submit them to us when you report the claim.
9. Report your accident to us immediately by clicking here or visit Contact Us to find the claims telephone number for the location nearest you. Representatives are here to serve you 24/7. If you wish, you may also contact your agent.

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4. What should I do if served with legal papers as a result of a loss?

Any legal papers received should be forwarded to Plymouth Rock as soon as possible. Please contact your Claims Representative or visit Contact Us to find the claims telephone number for your location.

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Auto

1. Can Plymouth Rock help me find a repair shop?

As a Plymouth Rock Assurance customer, you can select any repair shop you like to fix your vehicle.   Some states require a repair shop to be licensed or registered – your claim representative will be able to provide you with this information. To find a repair shop near you, visit our Repair Shop Finder.  In states where we have a referral shop program, if you select one of our referral shops, you will be entitled to the following:

The only out-of-pocket expense you will pay to repair the covered damage is your deductible. We guarantee the work fully for as long as you own or lease your car. Of course, you are free to select a registered auto repair shop that is not one of our referral shops. However, in that case, we will not guarantee the repairs.

If you are a New York policyholder, and need assistance locating a repair shop, please contact your claim representative. Please note that these are not Plymouth Rock referral shops and Plymouth Rock does not guarantee the repairs.

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2. How can I arrange for a substitute vehicle after an accident?

If you purchased rental reimbursement coverage (also known as substitute transportation coverage), we'll help you arrange for a rental car while your vehicle is being repaired.

Even if you don't have this coverage, we'll still be happy to arrange a rental delivery (the rental will be billed directly to you). Just contact your Plymouth Rock Claims representative. Visit Contact Us to find the correct Claims number for your location.

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3. How do I apply for benefits if someone is injured?

If you are insured with us and you or any of your passengers are injured in an accident, it is very important that you contact us immediately.  Visit Contact Us to find the correct claims number for your location.

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4. How do I obtain an estimate prior to repair of my vehicle?

Once you report a loss to Plymouth Rock, we will assign an auto damage appraiser to inspect your vehicle at a convenient location of your choosing - your home, your office, or to wherever your car was towed - to appraise the damage. 

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5. How do I obtain payment for towing my disabled vehicle?

Towing and Labor coverage is an optional coverage that is available for purchase. If you have purchased Towing and Labor coverage and your vehicle is disabled due to a mechanical problem, you can have it towed to a repair shop. We'll pick up the towing cost up to the amount of coverage you selected. Visit Contact Us to find the claims number for your location to set up a claim for reimbursement.

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6. What is Door to Door Valet Claim Service®?

In some states, we offer Door to Door Valet Claim Service. With Door-to-Door^®, getting your car fixed when you have a covered loss couldn't be easier. It's almost like having a personal valet. Just contact your assigned Claims Representative or visit Contact Us to find the claims number for your location. You won't have to leave your home or office, visit a repair shop, or find a rental car. It's our way of making the repair process as stress-free as possible.

If you choose to use Door-to-Door for your covered loss, we will provide you with a list of nearby Door-to-Door auto repair shops. We'll pick up your damaged car or truck and have it towed to the shop you select. If you have rental reimbursement coverage, we'll arrange to have a rental vehicle delivered to you. Even if you don't have this coverage, we'll still be happy to arrange a rental vehicle delivery. The rental will be billed directly to you.

Finally, when your car or truck is repaired, we'll deliver it to your home or office, pick up the rental vehicle, and return it for you.

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7. What should I do if my car has a damaged window or windshield?

A chipped, cracked, or broken windshield or window is potentially dangerous, and should be repaired or replaced right away.

If you purchased comprehensive coverage, Plymouth Rock's GLASSCARE® program will repair or replace any glass damage to your car. Just call 844-346-1226. We'll help you schedule an appointment at a high-quality glass shop or arrange to have a mobile repair van come to you.

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8. What should I do if my car is deemed a total loss as a result of the accident?

If you have a total loss you can find out more information by clicking here.

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Home

1. How do I report damage to my home?

If you are a policyholder or agent you may you may click here to report your claim online. If you prefer to report your claim by phone, please review the following list of numbers to find the one that is right for you.

• Plymouth Rock customers that have purchased a policy through High Point Insurance or Palisades Insurance: 800-437-3535
• Bunker Hill Insurance customers: 888-472-5246
• Coastal Agents Alliance and Mercer Insurance Group customers: 800-343-7565
• Narragansett Bay Insurance Company customers: 800-343-3375
• Homesite customers: 800-466-3748
• Flood policies written through a Prudential agent: 800-787-5677
• Flood policies written directly through the NFIP: 800-368-7720

Not sure which number is right for you? Visit Contact Us and we'll get you to the right person. Please have the following information available:

• How, when, and where the damage occurred
• A general description of the damage
• Your policy number
• If you can, photograph or videotape the damage for further documentation

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2. How long should I keep damaged items?

You should retain all damaged property until your Claims representative has inspected the items or has given you instructions to discard the property.

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3. I’ve been approached by a public adjuster about settling my claim. Are they Plymouth Rock employees?

Public adjusters are not Plymouth Rock employees, nor are they assigned to your claim by Plymouth Rock. While hiring a public adjuster is a personal choice, there are several things to consider before you do.

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4. What should I do if served legal papers about property damage?

Contact your Claims representative or call one of the following numbers immediately:

• Plymouth Rock customers that have purchased a policy through High Point Insurance or Palisades Insurance: 800-437-3535
• Bunker Hill Insurance customers: 866-322-2442
• Coastal Agents Alliance and Mercer Insurance Group customers: 800-343-7565
• Narragansett Bay Insurance Company customers: 800-343-3375
• Homesite customers: 800-466-3748
• Flood policies written through a Prudential agent: 800-787-5677
• Flood policies written directly through the NFIP: 800-368-7720

Not sure which number is right for you? Visit Contact Us and we'll get you to the right person.

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5. What steps should I take if my home or property is damaged?

• If your home appears to be unsafe, leave the premises immediately.
• Never touch an electrical component while standing in water. If you can do so safely, turn off the electricity if there is standing water in your home.
• Report downed power lines or gas leaks to your utility company.
• Protect your property from further damage. This may include boarding up openings and salvaging undamaged items. In an emergency, your insurance provider can send out a contractor to help secure your home.
• Report your claim using one of the numbers above.

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6. When will someone come to my home to inspect my property loss?

If necessary, a property Claims representative will arrange a time at your convenience to visit your home, view the damage, and prepare the necessary estimates.

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