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 High Point’s convenient claim services.
New Jersey Car Insurance FAQs
- What to do if you have a Car Accident
- How to Report a Car Accident, Theft or Fire Damage to your Car
- What to do if your Car Window or Windshield is Damaged
- How to Obtain Payment for Towing a Disabled Car
- How to Obtain an Estimate Prior to Repair
- What is a Comprehensive/Collision Deductible?
- What is Door to Door Valet Claim ServiceSM?
- Why Select a Repair Shop from High Point’s list of Guaranteed Repair Facilities?
- How to Arrange for a Rental Car
- How to Apply for Benefits if Someone is Injured
- Why do I have to pay my PIP deductible/Co-Payment When I was not At fault for the Accident?
- Where do I Send my Medical Bills?
- What to do if Served with Legal Papers About a Car Accident
New Jersey Homeowners Insurance FAQs
- What to do if your Home or Property is Damaged
- How to Report Damage to your Home
- What Happens if my House is Unlivable?
- When will Someone Come to my Home to Inspect my Property Loss?
- How Long do I Have to Keep the Damaged Items?
- What to do if Served with Legal Papers about Property Damage
General Insurance FAQs
New Jersey Car Insurance FAQs
What to do if you have 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 toll-free 1-800-437-3535 and follow 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.
How to Report a Car Accident, Theft or Fire Damage to your Car
If you have a car accident we’re only a phone call away. Just call 1-800-437-3535. 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.
We’ll begin processing your claim immediately and handle your claim with sensitivity and speed. We’ll live up to our promise of exceptional service, to get you back on the road as quickly as possible. Please note, theft or fire damage to your car is only covered if you purchased comprehensive coverage for your car.
What to do if your Car Window or Windshield is Damaged
A chipped, cracked or broken windshield or window is potentially dangerous, and should be repaired or replaced right away. If you purchased comprehensive coverage, High Point will connect you to an approved windshield vendor who will assist you with the repair or replacement of your windshield. Just call us at 1-800-437-3535.
How to 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 us at 1-800-437-3535 to file a claim for reimbursement.
How to Obtain an Estimate Prior to Repair
High Point offers you choices when you have an accident: an on-site auto adjuster or a Guaranteed Repair Facility. We’ll 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 High Point's Participating Repair Facilities for an estimate. If you decide to use the facility to complete the repairs, High Point 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 calling 1-800-437-3535.
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.
What is Door to Door Valet Claim ServiceSM?
High Point customers deserve convenient, state-of-the-art service. That’s why we offer you choices when you have an accident: an on-site auto adjuster, Guaranteed Repair Facility or our distinctive Door to Door Service.
With Door to Door Service, getting your car fixed couldn’t be easier. It’s almost like having a personal valet. Just contact your assigned claims representative or call 1-800-437-3535. 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 will pick up your damaged car or truck and have it towed to the Door to Door 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 Claim Service is just part of the exceptional service you can count on every day at High Point.
Why Select a Repair Shop from High Point’s list of Guaranteed Repair Facilities?
High Point guarantees your car repairs done by guaranteed repair facilities for as long as you own or lease it. 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, High Point will at its own expense correct the problem.
How to 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 High Point claims representative at 1-800-437-3535 during regular business hours.
How to 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 benefits for medical expenses resulting from your injuries. We’re only a phone call away. Just call 1-800-437-3535. Representatives are there to serve you 24 hours a day, 7 days a week.
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).
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.
High Point Medical Claims Office
P.O. Box 900
Lincroft, NJ 07738
What to do if Served with Legal Papers About a Car Accident
Contact your claims representative or call 1-800-437-3535 immediately.
New Jersey Homeowners Insurance FAQs
What to do if your 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, High Point can send out a contractor to help secure your home.
- Contact High Point to report the claim by calling 1-800-437-3535. Please have the following information available:
- How, when and where the damage occurred
- A general description of the damage and
- Your policy number
- If you can, photograph or videotape the damage for further documentation.
How to Report Damage to your Home
If you have a homeowners loss, we’re only a phone call away. Just call 1-800-437-3535. 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.
We’ll begin processing your claim immediately and handle your claim with sensitivity and speed. We’ll live up to our promise of exceptional service, to repair your home as quickly as possible.
What Happens if my House is Unlivable?
If a covered loss makes your home unsafe to live in, your policy provides coverage for additional living expenses. Your claims representative can assist you in locating temporary housing, if necessary, and can advise you of your policy coverage for additional living expenses.
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 do I Have to Keep the 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.
What to do if Served with Legal Papers about Property Damage
Contact your claims representative or call 1-800-437-3535 immediately.
General Insurance FAQs
Get Answers to Your Insurance Questions
If you have questions about insurance coverage, contact your insurance sales representative or call 1-800-516-9242. A representative will be happy to help you select the coverage you need. You may also contact our Customer Service Unit at 1-800-437-5556 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 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 High Point or the New Jersey Department of Banking and Insurance Fraud hotline 1-877-55-FRAUD.
