Claims Frequently Asked Questions
Here you’ll find information about New Jersey car and homeowners insurance claims. Everything from what to do if you have a car accident to how to use Plymouth Rock’s convenient claim services.
New Jersey Insurance Claims FAQ's | Plymouth Rock Assurance NJNew Jersey Insurance Claims FAQ's | Plymouth Rock Assurance NJ
New Jersey Car Insurance FAQs
- Where do I send my medical bills?
- Why should I select a repair shop from Plymouth Rock's list of Guaranteed Repair Facilities?
- How do I obtain payment for towing a disabled car?
- What is Door to Door Valet Claim ServiceSM?
- How can I arrange for a rental car?
- What should I do if involved in a car accident?
- What should I do if my car has a damaged window or windshield?
- What should I do if served with legal papers about a car accident?
- How do I report a car accident, theft or fire damage to my car?
- Why do I have to pay my PIP deductible/co-payment when I was not at fault for the accident?
- What is a comprehensive/collision deductible?
- How do I apply for benefits if someone is injured?
- How do I obtain an estimate prior to repair?
New Jersey Homeowners Insurance FAQs
- When will someone come to my home to inspect my property loss?
- How long should I keep damaged items?
- How do I report damage to my home?
- What should I do if served legal papers about property damage?
- What steps should I take if my home or property is damaged?
General Insurance FAQs
Motorcycle, Boat or Other Insurance Questions
- How can I report a claim for my motorcycle, boat, motor home or collector car?
- How can I report a claim for my motor home or trailer?
New Jersey Car Insurance FAQs
Where do I send my medical bills?
Your medical bills should be sent to the address shown below. Please put your claim number on the outside of the envelope so that we can promptly direct your bills to your Claims representative.
Plymouth Rock Medical Claims Office
P.O. Box 900
Lincroft, NJ 07738
Why should I select a repair shop from Plymouth Rock's list of Guaranteed Repair Facilities?
Plymouth Rock guarantees repairs done by Guaranteed Repair Facilities for as long as you own or lease your car. If the quality of the repairs fails to meet generally accepted standards for proper repairs and if the shop is unable to correct the problem through its guarantee program, Plymouth Rock will correct the problem at its own expense.
How do I obtain payment for towing a disabled car?
If you purchased towing and labor coverage, and your car is disabled due to a mechanical problem, you can have it towed to a repair shop. We’ll pick up the towing costs up to the amount of coverage you purchased. Just call Claims to file a claim for reimbursement.
What is Door to Door Valet Claim ServiceSM?
Plymouth Rock customers deserve fast and personal service. That’s why we offer convenient choices if you are ever involved in an accident: on-site auto adjusters, Guaranteed Repair Facilities or our distinctive Door to Door Valet Claim Service.
With Door to Door, getting your car fixed couldn’t be easier. It’s almost like having a personal valet. Just contact your assigned Claims representative or call Claims. 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.
First, we 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 your rental vehicle and return it for you.
We do it all for you, from start to finish. In addition, because we pre-qualify participating repair facilities, the work is guaranteed for as long as you own or lease the vehicle. Door to Door Valet Claim Service is just part of the exceptional service you can count on every day at Plymouth Rock.
How can I arrange for a rental car?
If you purchased rental reimbursement 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 vehicle delivery (the rental will be billed directly to you). Just contact your Plymouth Rock Claims representative by calling Claims during regular business hours.
What should I do if involved in a car accident?
If you are ever in a car accident, follow these simple steps:
- Make sure that everyone involved is safe and that medical/emergency care is being provided.
- Notify the local police.
- Write down the following information:
- Location, date, and time
- Names, addresses, and license numbers of other drivers and passengers
- License plate numbers and vehicle descriptions
- Injuries to you and others, if any
- Names and telephone numbers of any witnesses
Report your accident to us immediately by calling Claims and following the phone prompts. Representatives are there to serve you 24 hours a day, 7 days a week. If you wish, you may also call your insurance sales representative.
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 will connect you to an approved windshield vendor who will assist you with the repair or replacement of your windshield. Just give Claims a call.
What should I do if served with legal papers about a car accident?
Contact your Claims representative or call Claims immediately.
How do I report a car accident, theft or fire damage to my car?
If you are involved in a car accident, we’re only a phone call away. Just contact Claims. Representatives are there to serve you 24 hours a day, 7 days a week. If you wish, you may also call your agent. The quicker you alert us to your claim, the quicker we can begin living up to our promise of exceptional service by getting you back on the road as soon as possible.
Please note that theft or fire damage to your car is only covered if you purchased comprehensive coverage for your car.
Why do I have to pay my PIP deductible/co-payment when I was not at fault for the accident?
In 1988, the state of New Jersey introduced mandatory PIP (Personal Injury Protection) deductibles and co-payments. These provisions apply regardless of who is at fault for the accident. This is why PIP coverage is sometimes referred to as “No-Fault” Coverage. Any unpaid amounts due to the application of the deductible and/or co-payment can be submitted to your health carrier for consideration, along with a copy of the Explanation of Benefits (EOB).
What is a comprehensive/collision deductible?
A deductible is part of every loss or claim and represents the amount of the loss that you agree to pay if you experience a loss and have a claim.
How do I apply for benefits if someone is injured?
If you are insured with us and you or any of your passengers were injured in the accident, it is very important that you contact us immediately. You may be eligible for personal injury protection or medical payments for expenses resulting from your injuries. Claims representatives are only a phone call away, 24/7.
How do I obtain an estimate prior to repair?
Plymouth Rock offers you choices when you have an accident. We can send an auto claims adjuster to your home, to your office or to wherever your car is towed to appraise the damage. In most cases, we can even write you a check on the spot. Or if you prefer, you can bring your car to one of Plymouth Rock’s Participating Repair Facilities for an estimate. If you decide to use the facility to complete the repairs, Plymouth Rock guarantees the quality of the repairs for as long as you own or lease your car.
If you have purchased collision or comprehensive coverage and your car is damaged, report the accident to us by contacting Claims.
New Jersey Homeowners Insurance FAQs
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.
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.
How do I report damage to my home?
If you have a homeowners loss, we’re only a phone call away:
- Plymouth Rock customers that have purchased a policy through High Point Insurance:
1.800.437.3535 - Plymouth Rock customers that have purchased a policy through Palisades Insurance:
1.877.725.6423 - Coastal Agents Alliance and Mercer Insurance Group customers: 1.800.343.7565
- Narragansett Bay Insurance Company customers: 1.800.343.3375
- Homesite customers: 1.800.466.3748
Not sure which number is right for you? Call us at 1.855.465.7722 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
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:
1.800.437.3535 - Plymouth Rock customers that have purchased a policy through Palisades Insurance:
1.877.725.6423 - Coastal Agents Alliance and Mercer Insurance Group customers: 1.800.343.7565
- Narragansett Bay Insurance Company customers: 1.800.343.3375
- Homesite customers: 1.800.466.3748
Not sure which number is right for you? Call us at 1.855.465.7722 and we'll get you to the right person.
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, Plymouth Rock can send out a contractor to help secure your home.
- Report your claim.
General Insurance FAQs
Where can I get answers to questions not addressed in these FAQs?
If you have questions about insurance coverage, contact a local insurance agent or call us at
1-800-516-9242. A representative will be happy to help you select the coverage you need. You may also contact Customer Care for questions about your policy.
If you would like more information about the auto insurance industry, insurance regulations in New Jersey, or automobile safety, we encourage you to visit the following web sites:
- National Highway Traffic Safety Administration
- New Jersey Motor Vehicle Commission
- New Jersey Department of Banking and Insurance
Why report insurance fraud?
Insurance fraud costs Americans about $80 billion a year, or $950 per household, according to the Coalition Against Insurance Fraud. Below are some examples of fraud committed:
- Staged auto accidents or theft
- Inflated auto or homeowners losses
- Intentional setting of auto or home on fire
- Phony or inflated medical bills, auto or home repair bills
Help combat insurance fraud and report suspected insurance fraud by calling Plymouth Rock or the New Jersey Department of Banking and Insurance Fraud hotline: 1-877-55-FRAUD.
Motorcycle, Boat or Other Insurance Questions
How can I report a claim for my motorcycle, boat, motor home or collector car?
If you need to report a claim or have a claims question for an insurance policy bought directly from Plymouth Rock, please call American Modern Insurance Group directly on their Claims line available 24/7: 1-800-375-2075.
How can I report a claim for my motor home or trailer?
If you need to report a claim or have a claims question about your motor home or trailer policy, please call 1-800-437-3535.
CUSTOMER CARE
Still can’t find what you need?
Try our Customer Care FAQs or give us a call at 800.437.3535!